vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been buying merchandise using my Paypal credit card which is handled by Synchrony Bank most often when there is a special financing promotion. I just discovered that my monthly payments have not been applied correctly toward one of these promotions. I notified the company and was told their automated system for some reason does not properly take you monthly payment and distributed payment in the proper allocation among the various purchases whether they have a special financing promotion or not. The only way to insure this was to call directly and talk to an agent to and instruct them how allocated payment to various special financing purchases and pay over the phone directly bypassing the automated system of online payment as I was told by one of their customer service agents. She did admit there is a problem with the automated system. I did this last pay period and the instructions were not followed. I have made my complaints to management but do not feel confident this issue will get resolve. On one of the special financing purchases had a two year interest free promotion. I am only into 7 months of that promotion and the beginning balance was over {$990.00} and as of today the balance is just over {$41.00} after only 7 months. When that balance should be at this stage of paying 7 months into a 24 month interest free promotion be just over {$700.00} if the payments were properly allocated. Meanwhile other promotions with much less time did not receive any payment 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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have two instances. The most recent one is my car bill. XXXX $ and some change was put on pending and then the XXXX institution denied and reversed the payment, which they said was returned the XXXX. It is now the XXXX, and my money is still missing, and the transaction on my history has " mysteriously '' vanished. Now I can't afford to pay my car bill and have to pay both payments plus a late fee in a couple weeks. When I get paid, I will be in the negatives because all my bills are due. 
The first instance where the same thing happened was when I requested a repair for a XXXX XXXX around the end of XXXX. It was for XXXX $ and it was put on hold. That vanished too, both the history of it and the money. I've contacted both merchants and they said the money should be back in my account. I've contacted Ally three times about it, and at first a manager was happy to help, but then he gave up and basically told me I'm screwed because there's no proof. I would've taken screenshots of the pending transactions if I would have known this was going to happen.

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 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IN

Complaint narrative:
In XXXX of 2021 we contacted the Home Point Mortgage call center to request a payoff quote. We received the information with the amount and had them work out an adjusted the automatic monthly payment drawn directly from our checking account from our normal monthly payment to the payoff amount. On XX/XX/2021 the automatic payment was received by Home Point for the agreed payoff amount and it was recorded on the company website as received and posted on XX/XX/XXXX. The statement showed the normal contractual monthly payment of {$2500.00} as well as an additional principal payment on hold for {$1000.00} to cover the remaining principal and final fees. The statement also showed a principal balance due ( after the final payment was received of {$970.00} ). We called the mortgage company and were told that they were required to wait 10 business days to insure/confirm receipt. We called on the 10th business day and the mortgage still showed a balance of {$970.00} due and an upcoming XXXX billing for {$2500.00}. The money has been out of our account and received by Home Point Mortgage since XX/XX/XXXX and they have now exceeded the 10 business day period and have still not shown the mortgage satisfied with a {$0.00} balance. In addition I fully expect to get a bill on XX/XX/XXXX for the normal monthly payment. There is no reason for it to take 10 business days to confirm and settle a payment given current electronic fund transfer technology as that confirmation can be done in hours if not minutes. To add insult to injury today we received an email from Home Point with instruction to payoff the final balance of {$1000.00} by XXXX XXXX. This is beyond frustrating since they have had this final payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 45 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot # XXXX was over paid and they returned the over payment, Then this month XX/XX/2021 I paid XXXX to Loan Depot with Confirmation # XXXX have been getting calls today stating that the loan has not been paid. I have enough problems with a XXXX XXXX, XXXX XXXX XXXX. 
Even my loan statement does not look right, it is a XXXX XXXX with a due date of the XXXX of XXXX, should it not be XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX {$24.00} XXXX {$320.00} XX/XX/XXXX {$36.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$35.00}. 
Total : {$1200.00} XX/XX/XXXX {$100.00} {$110.00} {$110.00} {$100.00} {$100.00} {$100.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$4800.00} XX/XX/XXXX {$24.00} {$1700.00} Its on camera I didn't do these deposits or withdrawals. Wells Fargo says it doesn't go against there policy for fraud. Its over {$9000.00} {$9200.00}

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 2021-10-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and I have not received any investigation reports. This creditor has reported a late payment my report which is incorrect, and I am asking this be deleted immediately. XXXX XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/21 complaint number XXXX. I filed a complaint against Trans Union. The company Response states my complaint includes a dispute which is completely false. I have never disputed this posted account ( USBK COURT NEVADA DOCKET # XXXX ) The company failed to validate this within 30 days.

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 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC
State: IL

Complaint narrative:
Due to the COVID-19 pandemic, I had been removed from a full-time to XXXX ( as needed status ) at the organization where I am employed. Moreover, the state of Illinois had a mandatory stay at home order for Illinois residents at this time. I have reached out to XXXX, regarding the change in status and how my income was being adversely impacted on XX/XX/2021. I received a response on XX/XX/2021 regarding an assistance program offer. According to XXXX this agreement would defer three of my payments and bring all information and payments current. I agreed to the offer on XX/XX/2021 which should shows my account in good standing. Although this hardship provision is in place, XXXX has reported my account delinquent and missing a payment to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my 5th complaint about this mortgage. Account number XXXX BOA has attached escrow services to my line of credit. I pay my escrow through my primary mortgage. I have sent BOA a plethora of documentation for years stating my primary mortgage XXXX collects my mortgage. I would like some assistance please. They are telling me I am behind in my mortgage. My payment is XXXX a month and I have paid {$4500.00} to date for this year.

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 2021-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a XXXX savings account on XX/XX/2021 and funded it with {$25.00} as part of a broader promotion paired with a checking account I also opened that day. 

XXXX was acquired by PNC and sent me notice while I was away on holiday that they were consolidating to the PNC web portal. 

I got a paper bill from XXXX saying the account had gone to a negative balance - $ XXXX due to a paper bill fee I never agreed to when signing up for XXXX, and for an unspecified 'service fee ' I was unable to gain access to my PNC online account for days due to technical issues on the server ( which eventually resolved themselves ), and then was disconnected or re-routed endlessly when I tried to contact PNC via phone. When I did speak to one rep, she could not see the charges nor explain what they were. 

I now have a negative balance account due to these charges, without context on why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MS

Complaint narrative:
I have contacted Transunion numerous of times to resolve this incorrect information on my credit report. i have filed police report with the XXXX county police department. I have yet to come to a resolution to this miss information on my account. The following information is listed incorrectly XXXX Accounts, XXXX XXXX  and the following addresses are incorrect XXXX XXXX  XXXX XXXX, GA, XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the following inquires XXXX XXXX, XXXX XXXX, XXXX, 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 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of XXXX XXXX XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-21 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent dispute letters on 3 separate occasions to EXPERIAN concerning ALL of these issues : XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX XXXX account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX/XXXX  account XXXX XXXX is listed on my report TWICE ( same account number as well ), but they sold the account to XXXX XXXX XXXX which I have paid. XXXX was deleted from my credit report after paying, yet XXXX/XXXX  account XXXX XXXX is still reporting even though they sold this account. They should not be on my report at all due to selling, and i paid. They also reported " charge-off '' TWICE. I requested deletion. 
XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error.

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
TransUnion Fraudulent Account XXXX XXXX XXXX  Account # XXXX Fraudulent Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXe XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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