vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HUNTINGTON NATIONAL BANK, THE
State: MA

Complaint narrative:
I filed for bankruptcy back in XX/XX/2019 and did not reaffirm my auto loan but chose to keep the vehicle and continue payments. Even though I have continued payments on a timely basis the bank refuses to report my payments, telling me that I MUST reaffirm the loan in order to have them report payments. This is basically BLACKMAIL! I now know that lenders dont even have to report your payments to credit bureaus, but to hold this over your head when youre trying to rebuild your credit is not fair and should be illegal! I know that by not reaffirming I am not responsible for the loan, but I feel as though Im doing the right thing by keeping up with the payments and being punished for it! I would think that Huntington Bank would want to do the right thing too, and report my payments. Yes I did call and talk with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I purchased a mattress a Sam 's Club in XX/XX/2019 for {$640.00} that had a XXXX promotion of interest free for 24 months. I would not have made the purchase if it were not for the interest free for 24 months. Synchrony Bank, the issuer of the card has applied the majority of my payments to the promotion and it is almost paid off in 4 months. I have called them 4 times to reallocate the payment that went to the promotion. On the 4th call I was told to call back after the XXXX the was when the statement ends. I did call the on the XX/XX/XXXX and was told they could not reallocate my payments. 
Now the balance on my card is much higher ( over {$1200.00} ) and accruing interest to Synchrony. 
If the payments were applied fairly my balance on regular charges would {$460.00} lower and the promotion would be {$460.00} higher but not a problem since I have 24 months to pay it off. 
I value my credit and this is a hardship for me to pay my credit card off in order not to pay unfair interest.

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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards AMER SVC COXXXXWF HOME MTG XXXX XXXX XXXX limit {$XXXX}. 
XXXX XXXX XXXX $ {$XXXX}. 
XXXX XXXX {$XXXX}. 
XXXX XXXX/XXXX {$XXXX}. 
XXXX/XXXX {$XXXX}. 
XXXX XXXX {$XXXX}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - AMER SVC CO/WF HOME MTG - it was a mortgage company, please remove Regardless, 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 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THE COMPANY XXXX XXXX  IS REPORTING ON MY CREDIT REPORT AND IT SHOULD NOT BE IN WAS INCLUDED IN BANKRUPTCY, THIS SHOULD NOT BE REFLECTING NEGATIVE INFORMATION ON MY CREDIT REPORT. IT SHOULD NOT BE ON THERE AT ALL, IT IS AFFECTING MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I believe that the rate on my adjustable rate mortgage is wrong. The mortgage is a variable rate mortgage with the interest rate calculated by taking the published " index rate '' and adding a certain number of percentage pts. called the " margin. '' Under my loan agreement, my index rate is a 1 year LIBOR and my margin is 2.25 %. The Libor rate being as published in the XXXX XXXX XXXX. 

I received a letter from Citizens One Home Loans ( CCO mortgage co. ) ( Citizens Bank of Ma. ) stating that my new monthly interest rate would be 4.375 %. My rate change each 12 months can not rise by no more than 2.00 % with a margin of 2.25 %. 

I checked the Libor rate XX/XX/XXXX & XX/XX/XXXX and it was 1.89 %. According to my math, 1.89 % plus 2.00 % comes to 3.89 % Even if I add 2.25 % I still come up with a rate LOWER ( ( 4.14 % ) NOT 4.375 % which is stated they will charge me starting on XXXX XXXX 2019. Why is this wrong? 

I was also denied any access to speak to anyone in management so I am turning to you for help in this matter. Also, I was told by a clerk that the law states that my letter stating new rates had to be mailed out 75 days prior to my rate adjustment. Why? Did they figure my rate XX/XX/XXXX when my mortgage doesn't even flip until XXXX to grab a higher Libor rate? This does not seems fair or right. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
SUN LOAN SHOULD NOT BE REPORTING ON MY CREDIT REPORT, IT WAS PART OF BANKRUPTCY AND SHOULD NOT BE ON THERE.

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 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I received a loan modification for the mortgage on my home that I have lived in for 22 years. It was a principal and interest only loan, with my monthly payment totaling {$440.00}. The loan was made possible by extending the years on my previous mortgage, which thereby lowered my payments. The interest rate was fixed for a 30-year term. In order to be accepted for this modification, I had to go through a 3 month trial period to ensure full payments of {$440.00} were made by the first of each month. I met this requirement and therefore, my mortgage payment stayed at the rate of {$440.00} for the remainder ofthe loan. I knew that this was a principal and interest loan, and that I was responsible for paying real estate taxes and home owner 's insurance, as was directed on the signed contract. I continued to pay my taxes and home insurance and am current on all payments up to this date, XX/XX/19. 

Approximately a little over a year after my XX/XX/XXXX modification started, I received a bill from Citizen 's Bank/CCO Mortgage stating I owed approximately {$5000.00}. They said that they had mistakenly not included escrow in the modification from XX/XX/XXXX and  therefore, owed this amount. But, I had paid the town of XXXX, MA for all the real estate taxed owed as well as paid my home owner 's insurance. I tried to set up an escrow account with CCO mortgage from that date forward, and provided them with proof of all the last year 's taxes and insurance payments. They did not agree to this. I have made several attempts to resolve this issue and am still paying real estate taxes and home owner 's insurance, as well as my {$440.00} monthly mortgage payment. CCO Mortgage claims that they have been paying the real estate taxes and insurance, and now say I owe them thousands of dollars, as this issue has gone back and forth for the past few years with no resolution. 

I have provided to CCO mortgage all documentation and proof of taxes and insurance payments, and can still provide this documentation, if needed. At this time, they are threatening foreclosure, though I've continued to make timely payments. I appreciate receiving the modification, which allows me to stay in my home, and just wish to resolve this issue as prorrptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, SUN LOAN WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTSXXXX XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE ACCOUNT RECEIVEABLES PERFORMANCE WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.

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 2019-10-21 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: FL

Complaint narrative:
Please remove these accounts which I listed in Identity Theft. Some of them payed in a good standing but all of them I did not open and never used. Some one opened them used my ssn and personal information. I do not want that all pf these accounts are reporting because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied the CITI double cash credit card in XX/XX/2019, have not heard any decisions on my application by XX/XX/2019.

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 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have been trying to get this company to validate the debt since XX/XX/2019 and they still have not validated or removed this from my credit report they have sent a bill and a letter stating that the debt is validated and I have asked for the investigation results and nothing they want validate the debt and want remove it from my credit report so I am asking either you validate the debt or remove it from my credit report but this company is not validating the debt but just letting it sit on my credit report as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: AL

Complaint narrative:
THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.

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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AL

Complaint narrative:
RECEIVEABLES PERFORMACE CONTACTED ME ABOUT A DEBT THAT I HAD, THEY ASKED ME TO PAY THE DEBT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT THEY ASKED FOR A PAY TO DELETE. I PAID THE DEBT AND THEY DID NOT REMOVE IT, IT IS STILL SHOWING ON ALL THREE OF MY CREDIT REPORTS. IT NEEDS TO BE DELETED AS PER THE AGREEMENT WITH THE DEBT COLLECTOR.

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 2019-10-21 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: WA

Complaint narrative:
I've had nothing but bad experiences with Navient regarding my student loan. I am currently behind in my payments because of an emergency move. I can not make any payments until the XXXX of XXXX. However, when I have tried discussing anything with the Navient workers, they've been anything but helpful. I previously had two payment arrangements made but the money was unable to be taken from my account. I have paid {$6000.00} in order to move into my new rental home. I also just started a new job. Navient calls my parents five to ten times per day asking about the loan. They told my father that my loan would soon be going to a third party if I don't pay soon. Yet, when I tell them I can pay on the XXXX, that's not good enough. I literally do NOT have the money until the XXXX. I can pay it at that time. When I contact my federal loan people, they are more than accommodating because they understand that life happens. Everyone I talk to about Navient says the same thing ... that they're horrible and rude. Please, just help me out here. I have every intention of paying this off, but life happened and all my money literally went to moving into a new place. I've even thought about going to the local media to explain my situation ( not that it would do anything ) but I'm so frustrated. AND STOP CALLING MY PARENTS TEN TIMES PER DAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX and Transunion. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.

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 2019-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/19 and XX/XX/19 a donor donated {$2.00} to our not for profit charity via Paypal. Subsequently they withdrew the donation ( reason unknown to us- this was an unknown donor ) and we were charged {$20.00} by Paypal ( for each donation total {$40.00} ) as a chargeback fee on XX/XX/19. Since we can not control donations or donation withdrawals this is completely unfair. Calls to Paypal on XX/XX/19 and XX/XX/19 to their resolution center were answered by someone who could not resolve the issue. When we asked to speak to a supervisor we were placed on hold and after 20 minutes hung up. Theoretically our account could be drained by chargeback fees from donations that are withdrawn and are beyond our control. This is an issue that any not for profit that uses Paypal for donations could face. Paypal needs to address this but there is no way for us ( a small local not for profit in NY ) to  bring the issue to their attention via their resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, 2019 at XXXX XXXX I was contacted by a representative from Kohl 's that my account was 58 days past due. I was shocked and immediately paid the entire balance with her. When I asked why I didn't receive a statement in the mail she told me I was signed up for email statements. I was not aware of this. I thought I was to receive paper statements. I then asked her if this incident would be reported to the credit bureaus and she assured me it would not be because I was not 60 days late. The next day I received an email from my credit monitoring service that my delinquency was reported even though I was told by the representative that it would not be reported. I have attempted two times to resolve this with Kohl 's and they refuse to admit their error and remove the delinquency from my credit report. Yes I was delinquent but I did not receive a paper statement. I honestly thought I had paid my bill in full in XXXX. I do not believe I signed up for email statements because I do not read my emails frequently. I have perfect credit and I want this delinquency removed from my credit report. It is unfair that I was told it would not be reported and then it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
Specialized loan services also known as SLS, I have set up automatic deduction from my checking account to pay them each month. This fall XX/XX/XXXX, is escrow review and new payment schedule. All good there, they deduct at the old amount and then they changed it to the door about and I was okay with that. However, they say they did not get their payment when I did in fact come out of my account to do escrow payment about for the month and to get to do for that to continue on out from here. The bank themselves even emailed the company and facts three types but this has been paid. They say they don't get payment. I called myself I get the same runaround XXXX I don't know what else to do send here to you Maybe my checking balance sheet would you like me to send it here? SLS mortgage has this but they say they don't it's been emailed six times now

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