vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 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: PA

Complaint narrative:
On XX/XX/2018, I got a notification that XXXX XXXX XXXX was having a clearance sale. I selected a few items ( totalling {$57.00} ) and went to check out. Once I went to check out, they had a promotion that you could get 20 % off your purchase and free shipping if you applied for and got approved for their store credit card. I applied and was approved. 

However, I was told I would not be able to use my card until I received it in the mail. I said that the only reason I applied for the card was for the promotional benefit and that I would not be able to wait for the card to arrive to complete my purchase as these were sale items and already in limited supply. Both Synchrony Bank and the XXXX XXXX representative I spoke to were incredibly unhelpful, and told me I would either have to wait for the card to arrive or to go to a store and use a printed slip to make purchases in store ( with no guarantee that the same items I'm trying to purchase would be in store ). I feel deceived, as I never would have applied for the card, putting a ding on a credit, had I know I would not benefit from applying for the card for my purchase today. 

I think it's deceiving to customers to display benefits for a credit card that you can not even actually benefit from immediately. The language is incredibly misleading, and I can not be the only person to have fallen for it and then be disappointed once they have to complete their purchase without the advertises benefits. There is an asterisk near the offer ( attached here as an attachment ) but no where does it say that you can not use your approved card on your current/ '' today 's '' purchase.

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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2018 I tried to make a payment for {$120.00} via phone for credit card company with my checking account thats in the system, check was processed by GE bank and cashed but my credit card company doesnt reflect payment in the system

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 2018-07-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it  refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.

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 2018-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had various loans dating back to before Navient broke off from Sallie Mae. I currently have several loans from Navient that are private, and one that is federal. The private student loans are in excess of 13 % interest, and because I was unable to make some payments when down on my luck, I ruined my credit and can not get a refinance loan. I was approved for a federal income based repayment plan, which equates to about XXXX  dollars a month. However, the private school loan payments are in excess of XXXX dollars a month, putting my payments at XXXX dollars monthly. I have discussed with Navient multiple times that I can not afford to pay this amount and need it lowered, and was responded to every time with the only way is to do forbearance or go back to school. I went back to school as it was the only way to defer. I am currently back in repayment, while still enrolled in school and I know I still have two years left of in school deferment. I have called and tried, and still no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: FL

Complaint narrative:
There two reporting negative from Nelnet which is incorrect. ALL of my student loans are deferred and All consolidated through the US DEPARTMENT OF EDUCATION. I do not owe nelnet they were bought out by the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I submitted a letter to XXXX XXXX explaining that in cashing the check # XXXX in the amount {$50.00} they would be agreeing to remove the account from all three credit bureaus records XXXX, XXXX, and XXXX. The check was cashed on XX/XX/2018 and this account is still being reported.

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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: MA

Complaint narrative:
Date XX/XX/2018 XXXX Recieved another phone call requesting that a person, I do not know, call back for a debit collection action. Person looked for is " XXXX XXXX '' I called back the number. And informed them of the improper name, etc. & when I told the representative I was forwarding complaint to you he basically blew me off, told me to do whatever. 

This is the 4th or 5th time that I have called & tried to be reasonable with the company. To no avail. 

Please stop the calls to my home XXXX XXXX XXXX Home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GREAT LAKES
State: CO

Complaint narrative:
My payments are being allocated incorrectly. I'm almost {$10000.00} ahead of schedule and when I make an excess payment I select to have 100 % of the excess payment go towards my loan with the highest interest rate. I assumed that when I make that payment it would first pay off all the interest for all loans in the account and then pay the remaining balance towards the specified loan. However, when I looked at the payment it paid principal and interest to all loans in the account. 

For example, on XX/XX/XXXX I made a payment of {$1000.00}. I specified that I want 100 % of the funds to go to loan token XXXX. And my default excess payment preference is set to 100 % of the excess to loan XXXX as well. Below as you can see only {$690.00} went to the loan I specified which is 75 % .. 

XX/XX/XXXX Payment {$1000.00} Principal - {$920.00} Interest - {$73.00} Late Fees - {$0.00} Balance - {$25000.00} Applied to Loan Token XXXX Applied to Principal {$29.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$2900.00} Applied to Loan Token XXXX Applied to Principal {$37.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$3700.00} Applied to Loan Token XXXX Applied to Principal {$8.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$830.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$10.00} Applied to Late Charges {$0.00} Unpaid Principal {$4600.00} Applied to Loan Token XXXX Applied to Principal {$690.00} Applied to Interest {$13.00} Applied to Late Charges {$0.00} Unpaid Principal {$2100.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$12.00} Applied to Late Charges {$0.00} Unpaid Principal {$4700.00} Applied to Loan Token XXXX Applied to Principal {$17.00} Applied to Interest {$4.00} Applied to Late Charges {$0.00} Unpaid Principal {$1700.00} Applied to Loan Token XXXX Applied to Principal {$6.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$610.00} Applied to Loan Token XXXX Applied to Principal {$18.00} Applied to Interest {$5.00} Applied to Late Charges {$0.00} Unpaid Principal {$1800.00} Applied to Loan Token XXXX Applied to Principal {$19.00} Applied to Interest {$6.00} Applied to Late Charges {$0.00} Unpaid Principal {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have tried to contact the company in regards to this complaint to no avail, I am trying to get this account removed from my credit report as I have no recollection that this visit to the hospital ever occured. I am just trying to get it taken off my report and have tried to even come to a settlement for a ( PFD ) '' Paid For Deletion '' even though I don't believe the account belongs to me however it is the last and ONLY negative account on my credit report and I wish to have it taken care of ASAP ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My name on the mortgage is XXXX XXXX, but my name is XXXX XXXX now. 

I was denied a home modification in XX/XX/XXXX, because I had previously received a modification. I'm working full time now and can afford to pay the mortgage. I spoke with my Bank of America representative XXXX XXXX on XX/XX/XXXX, and she advised me that I was qualified for a repayment and I would have to pay a down payment of {$950.00} and I would pay a payment and a half for 6 months of approximately $ XXXX.She advised me that I had until XX/XX/XXXX, or they would have to recalculate the payments for XXXX. She advised me she would be out of town and would be able to be reached until later the first week of XXXX. 

I called on XX/XX/XXXX, to get my new calculations and she advised me that I didn't qualify for the repayment plan based on my income, but I qualified for the repayment plan for XXXX. When questioned, she told me I was stressing her out, I was being petty about what she was saying to me. XXXX XXXX also told me they didn't have my updated income or budget and they did. 

All of this time I've been talking to Bank of America and trying to get a modification or repayment plan, they never advised me that I was entering foreclosure. I was actively trying to pay the balance off. They never advised me of dual tracking. I called today, XX/XX/XXXX, to pay the balance that was approximately {$2100.00} and she told me I couldn't pay today because I have entered foreclosure. I asked was I in foreclosure on XX/XX/XXXX, when we talked two days before today? She told me no, which I find hard to believe that I'm now in foreclosure. I was never advised these past two or three months I've been speaking with her that I was in foreclosure. 

Now I have to wait until after XX/XX/XXXX, and I'm sure it will include more charges for me to reinstate my mortgage. I have the {$2100.00} and would have paid it on XX/XX/XXXX, if she had informed me I was in foreclosure. 

The problem I had paying my mortgage is I haven't worked full time since XXXX and struggled to make payments. I hadn't made a payment since XX/XX/XXXX because I was raising the funds to pay the past due of the mortgage, but Bank of America never told me I was in dual tracking when I was trying to get a modification.

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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent NCB Management Services a Cease and Desist letter that was delivered and signed on XX/XX/XXXX.

On XX/XX/XXXX I sent NCB Management Services a copy of a complaint letter that I sent the Bureau of Financial Protection. The letter was delivered on XX/XX/XXXX.

NCB Management Services has not been in compliance and are in violation of the FCRA and FDCPA. Please see enclosed documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: WA

Complaint narrative:
I have repeatedly disputed this account on my credit report as it has bad information all over it being reported. The account is for XXXX XXXX. 
Experian does not let me dispute it any longer unless XXXX upload documentation, which I have. The last dispute I made with the information was on XX/XX/XXXX, they did NOTHING accurate on it, Im not sure they even looked into as it came back UPDATED XX/XX/XXXX ( less than 1 day ). 
They changed the original balance from XXXX to a XXXX original balance. That's not what I was disputing, nor is that ACCURATE at all. Where did they even come up with that information to feel that it should be changed? Did this really get investigated, or did they just move an amount and call it good? 
they took off 1 late payment, when I disputed all late payments as there was 0 late payments to this account. It is now paid off and closed, but I still want MY CREDIT report to reflect ACCURATELY and Experian is not taking that serious. Lousy investigation.

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 2018-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase put a 7 day hold on my payment because it was over 50 % of the credit allowed to me. Yes, that sounds insane, doesn't it? It gets better. 

I have used the same bank and paid the full amount, much ahead of the payment due date since I got this card months ago. I have even paid more than once in a month, which has totaled amounts over my credit limit but, this time, Chase decided to put my payment on hold for seven days. 

These seven days would be 10 days in practice because they do not count the weekend nor the XX/XX/XXXX holiday as business days in my favor. In reality, my payment cleared right away and sat in Chase 's account deriving interest while I, a XXXX XXXX XXXX XXXX XXXX veteran sat without the benefit of having credit available. What if my car broke down and I needed to rent a vehicle? 

Right now, I'm sitting at the phone with Chase " financial representative '' on hold WITH MY BANK because they HAVE TO HEAR IT FROM THEM that the payment cleared. According to this person, they CAN NOT look into their account and see that the payment cleared days ago. 

I believe that this is deceptive of Chase. I believe that they are trying to make interest off my little money because they can't get money via charging my interest, since I always pay the full balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been communicating with LoanCare regarding loss mitigation options for the foreclosure on my property now scheduled for XX/XX/XXXX ( tomorrow ). On XX/XX/XXXX I was informed all my documents have been received, that my application was now with underwriting and pending a final decision. When calling XXXX on Tuesday, XX/XX/XXXX, I was advised that my application is still under review with underwriting pending a final decision and that the sale date for tomorrow, XX/XX/XXXX is still active! XXXX   continues to leave me in suspense and continues to violate HBOR laws and proceed with the foreclosure despite the fact I am in a current pending loan modification review. I feel no matter what I do there is always something they are trying to sneak past 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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
This information is in regards to a check that I deposited to start a company to start a home business they told me to go deposit the check it was a XXXX XXXX XXXX and told me to all the places to go to buy software and computers and things like that so when I did Bank of America automatically close my account I did not know this was a fraudulent company so now it's keeping me from opening any account here XXXX where I live now I have a checking account in XXXX XXXX but I can not use it for my job 's over here

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 2018-07-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I started making student loan payments to Navient on XX/XX/XXXX by the amount of {$87.00}. This amount was the repayment plan that was provided by Navient. The amount was an automated payment from my checking account. I've been paying that amount for almost 7 years. Last month XX/XX/XXXX, I received a letter saying that they did an audit and found that I need to start making bigger payments to meet the payoff date of XX/XX/XXXX. The new amount will be {$190.00}. This is more than double the amount I was paying for the past 7 years. I called to find out more information and see if I did something wrong. I talked to the first representative and her supervisor and they both said the same thing. They performed an audit and found that my payment needed to be increased. For the past 7 years I was making payments that they told me to make. What ever information they had to calculate the repayment plan did not change. If a mistake was made on their part, they should have found out sooner, not 7 years later. If they found out earlier, I would understand my payment increasing by a little bit. But since the mistake was found 7 years later, it ballooned my payment to more than double. I don't think this is fair and this large amount will be a burden on my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: PNC Bank N.A.
State: FL

Complaint narrative:
Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! 
They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been charged 3 times overdraft fees for insufficient funds. I get the alerts a day after the fees have hit. Both alerts have been text and emails which have been a day or 2 late. Bank states that it's my fault that I should have paid more attention to account. Why have alerts yo help me when the alerts dont really help. I would have transferred funds from another account if I knew.

Company response to consumer: Closed with monetary relief