vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: WI

Complaint narrative:
My wife and I build our home about 12 years ago, and we had a 30 year mortgage. About 2 years ago, we lost a job, and needed to refinance our mortgage. This company came along and said they would be able to lower our payment. What they didn't tell us is they were going to lengthen the term of our loan. Now in XX/XX/2018, we have a 40 year mortgage, and my wife and I are in our mid-late 50 's  and will be in our 90 's when the mortgage is paid off. We were never told this would extend the length of the mortgage from a 30 year to a 52 ( 12 years of house payments plus a 40 year mortgage ). This is outrageous. 

We are in a little better financial position, and would be willing to up the payment, but can not buy into a mortgage that will end in our 90 's. 


And now I found out we have an outstanding balance of {$12000.00} against our home. We have made all of our payments, a couple of them have been late, but they have been made. This has sent our credit rating way down, making it impossible to get ourselves out of the mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
So on XX/XX/XXXX, I saw an transaction of XXXX dollars that is mine transferred to another account that I dont have or I dont know about. When I called chase 2 days in a row to get this resolved they could not give me details nor could they tell me what account it was transferred to so I could get my money back. So me, my mom and sister have a joined account but separate checking accouts. So I can not see their money nor touch it. My little sister was involved in a fraud thing where she got scammed someone withdrew XXXX from her account and chance was suppose to handle it and close her account. So I guess chance took my funds out my account and put it in her account to cover it. But I dont get how they can take my money from mine to use to hers just not right. Plus I had nothing to do with her stuff. Just have a join account. We spoke to someone from chase and they said that ; that account was suppose to be closed and no one should be about to touch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Promotional purchase states to avoid paying accrued interest charges on any deferred interest promotional balance you must pay at least your minimum payment due, if any and the entire applicable promotional balance by the expiration date it also states that if your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available. When I called to pay off the promotional balance I was told I could not have money allocated to the no interest promotion that any balance after its expiring will be rolled over to the non promotional balance and be subject to interest but they don't let you pay it off in full.

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 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I applied for a personal loan online at Cash Advance America. I was contacted by a representative by the name of XXXX XXXX, employee number XXXX, from the number XXXX that stated that I qualified for {$1000.00}. He stated that my payments would be $ XXXX monthly with 5.19 interest. He asked my credit score and I told him, he then stated that because it was so low that I would need to increase to {$1000.00}, take {$50.00} and purchase a XXXX XXXX  or XXXX XXXX and give them the information from the card, keep the receipt and mail it in the next day after I have received the deposit into my account. After following his directions, I gave him the XXXX Play card information and he then tells me that I would need {$75.00} in my account to get the deposit to prove that I have a bank account in good standing. When I told him that I didn't have it, he stated that he would need to transfer the money to my account through a mobile bank as a trial, and that I would receive my money the next day after the trial money was withdrawn and sent back to them. I never received any money and they have my {$50.00} from the XXXX XXXX card. He also stated that his supervisors name was XXXX XXXX. When he realized that I caught on that it was a scam, he will no longer answer the phone. It just rings and goes to a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK

Complaint narrative:
Discover, the company managing my student loan have raised interest rates from 2 percent to 5 percent, informing that my repayment period ( monthly have increased ) and that now I have 25 payments left. 

First information was this loan will be paid on XX/XX/XXXX, then XX/XX/XXXX and now info says I have 25 payments left. 

I need transparency regarding my loan balances, informing in a detailed way why they have increased interest rates so many times and why the have increased my payments period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried several times to get information removed from my report that was a result of identity theft. XXXX and XXXX have both abided by the laws outlined in rule 605B established by congress to help people in my situation. This verification was submitted over 2 weeks ago. As the provision clearly states all information must be blocked in 5 business days. This is willful disregard for both the law and the customer.

REMOVE OR I WILL FILE SUIT WITHIN 1 WEEK. I WILL ASK FOR DAMAGES SURPASSING {>= $1,000,000}. THIS IS ABSOLUTE AND BLATANT DISREGARD FOR MY FINANCIAL WELL BEING AND SO ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/18 I logged into the Navient website to explore options for reducing or delaying repayment, as I am having financial hardship. Almost every link that I selected to either get contact information to call/email Navient, search for forms, or view repayment options gave me an error stating the page was not found. It is disheartening to deal with a a servicer that does not have a more streamlined way of keeping the communication open with it's customers. I am sure if my payment is late to Navient and this is the reason, they still will not hesitate to report to credit bureaus even though it is their fault I am unable even to retrieve a phone number from their website. I am attaching a document showing the page error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: NC

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX with XXXX and Equifax for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I cancelled my service with XXXX and chose XXXX cable service. I no longer had any contract term and was looking for better pricing which XXXX was able to bundle. Equipment boxes were sent to us and all XXXX equipment was promptly returned. 
I never received another bill from XXXX but rather was sent a collection notice from XXXX ( {$220.00} ) I sent a letter ( attached ) to XXXX who sent a letter back to me stating that they no longer were handling the account ( also attached ). The date of this letter was XX/XX/18, the same date as yet another letter had been sent to me from Sequium, a different debt collector asking for the same debt information. I then sent a letter to Sequium ( attached ) which to this day has been unanswered. I noticed that this false debt is now registered with the reporting agencies. This is clearly a shell game for collection agencies who feel they don't have to respond to consumers. As you can see, I have spent much time and money on certified letters and tracking information but still have no resolve. This clearly is an attempt to simply wear down consumers and just have them pay.

I've never received any details as to what the debt could possibly be. Service was terminated by choice and equipment returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: NC

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX with Experian and XXXX for several attempts to no positive result. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey, I was going through my reports and saw some inquiries on there that I have no idea why they are even on there. 
XXXX XXXX XXXX  Usa ( XX/XX/XXXX ) ~XXXX XXXX Na.., XXXX XXXX ( XX/XX/XXXX ) THESE WERE NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
{$180.00} dollars was stolen from my account when I agreed to pay said amount for concert tickets to a man online. When I payed this money, the man subsequently blocked my number, closed his XXXX account and I am now unable to reach him. I called my bank and tried to file a claim, but Wells Fargo denies to cover this, despite being a massive bank and being insured. The app is vulnerable to be used by fraudsters, and should be closed down, or accounts should be more closely tied to customer 's identities. The fact that XXXX openly acknowledges the absurd amount of fraud that happens on their application, but refuses to do anything just shows how they are violating the trust of the consumer.

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 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NM

Complaint narrative:
I sent a foreign check in the amount of XXXX Euros to my Discover Bank checking account after confirming multiple times in multiple instances that they were able to provide such a service. I was told from the very beginning that the check would take 6-8 weeks upon receipt to clear and deposit. I was also told after I signed up for my checking account that foreign checks were sent to another bank for processing. Didn't seem like a problem at the time so I sent the check to address Discover Bank provided me with and they sent me a letter confirming that they have received on XX/XX/2018. Today is XX/XX/2018, way past the 8th week mark, and I have yet to see a change in my account balance. I've spoken with numerous customer service representatives, including 4 supervisors/tier-2 representatives, who have given me different vague and 'customer-friendly ' versions of " we have no idea where this check went ''. I've been told they have started an investigation and are researching into the issue for the past month and there's still no real status update other than we're investigating into the matter. I have spent an unreasonable amount of time and energy contacting Discover. In addition, it sets a standard of distrust ( whether by incompetency of malice ) that these supervisors set up callback appointments and then receiving no phone call, nor any response, at the times promised. Due to the service I've received from this institution I foresee no restitution or acknowledgment of incompetency and failure on Discover 's part to provide with the service I've agreed to enroll for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PROSPERITY BANCSHARES, INC.
State: CA

Complaint narrative:
" Hello XXXX This letter is concerning Prosperity Bank customer REDACTED ( cc'ed ) and a recent check ( Check # 22, {$160.00}, REDACTED, XXXX  REDACTED -ATTACHED ) that he deposited via mobile app at around Tuesday, XX/XX/2018 that was erroneously returned as a " fictitious item/altered tender. '' Full disclosure, I am also copying REDACTED, Chief Risk Officer for Prosperity Bank, and the three Area Chairpersons for the XXXX/XXXX XXXX area where REDACTED banks, as well as REDACTED, the issuer of the check. 

For background, REDACTED is a XXXX XXXX based " XXXX '' company that processes payments on behalf of business partners that include XXXX/XXXX transactions, as well as -and in this case- UCC and XXXX image compliant digital check images optimized for mobile deposit, and that meet the XXXX definition of a valid check. 

We understand from your customer, REDACTED, that his mobile deposit of the check was rejected as " fictitious item/altered tender. '' While I am not in a position to second guess your algorithms and policies that arrived at this conclusion without communication with the XXXX, I will say that it was 100 percent incorrect in this situation, denying your customer pay to which he is entitled. 
If it pleases your Chief Risk Officer, I am also happy to refer you REDACTED Cybersecurity and Fraud Intelligence officer REDACTED, with whom I work with on a daily basis in my capacity as Head of Fraud Detection at REDACTED. He would be able to validate the check as authorized by checking in with the account holder.

Also, you may simply check with the actual originator of the check, REDACTED, who is included here.

The resolution of Prosperity Bank 's error is between Prosperity and REDACTED ; I hope that the information and resources offered may only assist in that resolution promptly.

Best, '' Despite this, Prosperity Bank disregarded protocol and did not accept the check for processing, nor check in with the XXXX  account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Both names on my Equifax report are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened the citibank account package for {$400.00} bonus offer with the following terms, Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have opened the account on XX/XX/18 and made the required deposit of XXXX on XX/XX/18 into my checking account and linked my saving and checking account. 

Now it's been more than 5 months since I opened the account and I already fulfilled the requirement and keep the XXXX in my account more than 60 days. But still no bonus. I have contacted Citis customer service more than three times over the last three months to make sure the promotion is on my account and I have completely the requirement to receive the bonus. All three times they said yes.

The details say that the Bonus will post within 90 days from the date you complete all of the requirements. It's more than 150 days since opened the account and more than 90 days since I fulfilled all the requirements but still no bonus so far. 

I will attach here my chat history from Citibank here as evidence. The first agent told me to wait and call Citibank if I don't receive the bonus by first week of XX/XX/XXXX. The second agent told me they will give me a response after two days but I didn't receive any response. The third agent told me they didn't find any record about response and have to submit a new investigation. I believe this is just keep delaying me further from receiving the bonus and I never receive a proper response. Citibank should credit customers the bonus they deserve after they complete the requirements.

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 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
The account is paid off and closed but it is reporting as open

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 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I borrowed money from OneMain Financial in the amount of {$15000.00} in XX/XX/2017 with my car as collateral. In the contract, the interest is 19 % per annum. Monthly payment would be deducted from my bank account in the amount of {$490.00}. In each bill however, only {$280.00} goes to the principal loan and the {$210.00} goes to the interest. This is 43 % way more of what is stipulated in the loan agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Account was closed then did not get any notification that it was reopened and destroyed my credit in the same day I found out.

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 2018-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX company is reporting information on my credit report that is not my account this information is not true by law they cant do it

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 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
Two felony records were found under my name claiming grand Theft Auto and burglary. Which is unacceptable. I only went through this for a job, that I probably lost do to this ignorant mishap. Never did I commit any such crimes. The court houses could tell you themselves, I have traffic tickets like most but I've never have been nor will I be a criminal. This is my life and I suggest you all get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
RADIUS GLOBAL SOLUTIONS Original Creditor Name XXXX XXXX did not attempt or care to resolve the dispute I originated concerning there lack of bandwidth or consistent lack of service ... .even after signing up for higher rate of service of witch I was paying and not receiving.. They oversold bandwidth for our area especially in the evening this is well known. This was critical for me since I was attending online courses for my XXXX XXXX paid for through my GI bill causing anxiety and undue stress as I was 100 % XXXX veteran not easily able to leave my house to seek an internet connection elsewhere. I canceled the service on my own and my brother was able to set me up with a more reliable internet service. I did not receive the internet I was paying for therefore a breach of contract on XXXX!

Company response to consumer: Closed with explanation