vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The XXXX XXXX XXXX continue to call my job after telling them to decease. 
The dates and times are ( XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and have applied for the XXXX  discharge months ago. My balance keeps going up with no explanation and negatively being reported on my credit report when I don't even have a payment due! I have submitted all of my letters from Social Security XXXX  to Nelnet to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX of XXXX Oklahoma has verified XXXX information with out a hippa consent letter with my signature on it with out any information owning the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: WA

Complaint narrative:
I sent many emails to Mobiloans trying. I tried setting up a payment plan on the principal only of the {$2100.00} loan taken. They were unwilling to work with me on any payments. They called my home, cell and work day in and day out, even after I requested written correspondence only. Once I found out and notified them that they illegally operated in the state of Washington and that all interest under XXXX must be refunded they stopped contacting. but they have continued to put on my credit report causing serious damage to my score.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Round about XX/XX/XXXX/XX/XX/XXXX I noticed that my Synchrony Bank / Amazon credit card statement was too high and upon inspection noticed I had late fees and interest incurred for a balance that should not have existed. My credit limit set by Amazon is {$100.00}. So I rarely use the card except for small items. The balance was {$130.00}, above my spend limit. I call Synchrony to complain and inquire. What we discovered was that Amazon PRIME had been auto billing me for an account that I did not sign up for. I complained to Synchrony at this time that these were unauthorized. Their response to me was I had to take it up with PRIME. They could not address these. That is confusing as they allowed the charges and should be protecting my account for me. Nonetheless I demanded the account be closed or frozen until I could get the charges resolved. I made attempts to contact PRIME over a 3 month period before they responded to me. During that time Synchrony continued to add late fees and charges to my account while I was disputing the very same charges causing those fees and interest. In month 4 or 5 Prime cancelled the membership and reversed only 3 months of fees. I have had similar issues with other credit cards where the bank assisted in the recovery. I was in this alone. Around XX/XX/XXXX in several calls with Synchrony I was disputing the balance which was now in excess of {$230.00}. That it was all fees and interest created by the fraudulent PRIME membership fees. I demanded a manager to look at th eaccount and listen to the calls where I demanded the account frozen or closed. I even agreed to pay the original balance after the PRIME charges were corrected to close it. They denied the offer and would not comply. I received a {$1.00} refund from Synchrony which was an insult. They continued to call daily during XXXX, XXXX and into XX/XX/XXXX. I take 1 call every 2 weeks and ask the agent to please listen to the call logs and have a manager address the request back in XXXX/XXXX to freeze or close the account because of the fraudulent PRIME charges. They will not comply. They have now jacked the credit card account with the {$100.00} limit to over {$320.00} in fees and charges from the original balance that was complained about. I continue to offer settlement for he original balance after I resolved the PRIME issue and hey refuse.

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 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a checking line of credit for {$5000.00} from Pen Fed but was denied citing " Limited credit experience '' but I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. 
My credit score with XXXX is XXXX ; XXXX  is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ 10k and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

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 2020-01-29 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:
Problems with transUnion issue : THE XXXX  XXXX XXXX/ XXXX  - account closed. never used.- 10 point down. 

Between XX/XX/XXXX and XX/XX/XXXX, your XXXX   XXXX XXXX  automotive account balance decreased by {$390.00} from {$2500.00} to {$2100.00}. no increase in points XXXX XXXX XXXX- hard inquiry. 21 pts DOWN to XXXX To accounts closed and credit keeps going down because TransUnion notifies the bad but not the good! 

Please update the payments history and closed accounts How much will credit inquiries affect my score? 
The impact from applying for credit will vary from person to person based on their unique credit histories. In general, credit inquiries have a small impact on your FICO Scores. For most people, one additional credit inquiry will take less than five points off their FICO Scores. 

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 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My account with Navy Federal Credit Union was recently permanently restricted on XX/XX/XXXX without any notice. I was advised the account was restricted due to a loan descrepancy. I have had my account for over 1 year and it has been in good standing without any problems. I am disappointed that my account was restricted without notice and no additional information given to submit an accurate appeal. I am sponsored by my sister XXXX XXXX who is a veteran as well so my membership should not be in question. I had just recently applied for a credit limit increase and line of credit which were both approved and have not had any issues with my account since its inception. I had over {$5000.00} in my account which had to visit the branch several times and speak with the security team for them to release my funds. I had just paid my credit card account off in the amount of {$2500.00} right before the bank decided to close my account. No one from the security department has given me any information as to why my accounts have been restricted. They have been very evasive in their answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage Services has set a sale date of foreclosure on my home though I'm in their RMA process after they refused payments directly from me. Returned my payment and required that I call them to make payment arrangements. 
This is my second round of the process and as usual it's a joke. Each submittal of the same information, there is always something missing, etc. They are advising me foreclosure will halt once they get a complete packet. They've failed to review my last submittal and it's now been 5 business days since submitting and only 10 days until the sale of my house. I'm being DUAL TRACKED which is a mortgage violation in Texas. 
Additionally, I did file Chapter XXXX XX/XX/XXXX and it was dismissed in XX/XX/XXXX for late payments as I'm not always paid on time as a consultant. My XXXX Carrington Mortgage Services statement indicates past due amount of about $ 10K. My payment from XXXX has not been applied to the amount owed. 
My mortgage has increased every year as they can not calculate so my escrow has been in the negative for years. They tact that amount on top of other fees bringing my amount due on the XXXX statement to almost $ 43K. 
I have not seen any documentation as to the transfer or bought rights to service my mortgage either though I've asked. 
Additionally I did not receive statements during my bankruptcy and did not ever receive documents concerning what they agreed to be paid during the bankruptcy. Those statements aren't available to me per my conversations with Carrington Mortgage Services representatives during phone conversations. 
I paid in almost $ 29K from XX/XX/XXXX to XX/XX/XXXX, statements are not giving credit for those payments. It looks as if they're going to the let the foreclosure procedure before reviewing or finishing with the RMA process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
Account in great standing. 
issue : 65 pts off for an open accounts that is in great stading?

65 pts to XXXX We found 1 change to your Equifax credit report. 
New Accounts XXXX  - CARD SERVICE Account Opened Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time. 
Between XX/XX/XXXX and XX/XX/XXXX, your XXXX  - CARD SERVICE credit card was added to your report. This account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for an installment loan / line of credit for {$5000.00} from XXXX / Comenity Bank but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: DE

Complaint narrative:
A few months ago I checked my credit and found this account reported. I have no idea who Trident Asset Management is, nor have they ever contacted me! I have repeatedly asked them to verify the debt, and have disputed it with both them and the credit bureaus, yet the account remains, and they still have not sent me anything or ever contacted me! I don't know what a Trident Asset Management is or why they are on my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
I have disputed this account do to the many inaccuracies contained in its reporting. in my disputes I have repeatedly asked EOS CCA to stop calling my work! They continue to disregard my many written and spoken attempts at having them stop contacting me by telephone and for once to provide me with written notification about what this is for! They still haven't mailed me anything but on XXXX XXXX  before I left work, guess who called! EOS CCA and one of their wonderful and charming agents! Who threatened me with legal action if I wanted to receive something by mail, the smart XXXX! well, since they keep violating my rights and disregarding my requests, I assume you people have some authority over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for an installment loan / line of credit for {$5000.00} from Synchrony Financial / CareCredit but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have a synchrony bank XXXX store account in positive standing. I have a Synchrony Financial XXXX  credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX-XXXX XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. XXXX-XXXX  XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. The account has been validated according to the Texas Finance Code 392 and Nissan Motor Acceptance failed to provide any documents showing that I agreed to this debt, additionally they are reporting a past due amount but in 2016 sent me a 1099-C form showing canceled debt which I have reported on my taxes and paid taxes on. By them reporting that I am " past due '' and showing a balance they are reporting inaccurate information per the Texas Finance Code 392 and FCRA. I am requesting that they delete this account on all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
After a 30 day late payment last XXXX, Shellpoint Loan Servicing continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
The agreement implemented XX/XX/2017 on a used vehicle purchase. the loaning companies truth-in-lending disclosure form is fraudulent the numbers are all wrong and doesn't add up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit score dropped by 97 full points in seven days due to 1 negative reporting of a late credit card payment. This is an OUTRAGE! I worked very hard to repair my credit and had a score of XXXX on XX/XX/XXXX. XXXX XXXX reported a late payment ( 30 days late ), on XX/XX/XXXX. This was the only change on my report in this time frame. I checked my score XX/XX/XXXX and it was XXXX. I honestly believe this is some form of racial profiling. I've heard horror stories like this from some of my XXXX XXXX  friends. Never from anyone else that I've spoken to. I am XXXX XXXX. I am very upset as my credit score needed to be above a certain amount to qualify for loan. Please help me correct this error. I say error because no one at Transunion has been able to give me a quantifiable excuse for this incredible drop. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A mortgage loan has been reported to my credit history file for 2007, which was made by Washington Mutual Bank for an amount of XXXX. Need to verify the information with last two digits of social security information with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
After a 30 day late payment last XXXX, XXXX XXXX XXXX continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.

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 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
S L S is attempting to foreclose with a fraudulent assignment. My loanWas originated with XXXX  XXXX XXXX  the loan is toxic and was And was a part of the XXXX  XXXX settlement that I have asked for proof of claim I have also submitted QWR. Neither XXXX XXXX or S L S have responded to my concerns are disputes. The assignment was created after the cutoff date of the trust which is found in sections 201 of the trust Nc2 2006 -NC2 for XXXX XXXX XXXX XXXX is serving as Trustee. This same trust as been before the courts many times for mortgage fraud and wrongful foreclosure.

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