vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian,  Enclosed are report Number  of some  XXXX  reports. Each report has come to me with different information on them, not much being the same. I need for you to send me  XXXX  report with all the information it.   These reports have to be made whole concerning the information it contain. Each person in the  XXXX  should only have  XXXX   XXXX   XXXX . And it should detail the same information do n't who request a copy.   Report Numbers :  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX ,  XXXX ,  XXXX ,  XXXX  v  XXXX  I have been at this for the pass  XXXX  (  XXXX   )  months requesting Experian to correct the problem. Nothing has been done to correct it.   I have sent in copies of my ID 's, utilities bills, still you continue to disseminate to those requesting credit reports, incorrect information.   Enclosed are original   Reports, highlighted to show sensitive areas.
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 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed 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 2017-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: CA

Complaint narrative:
Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.

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 2017-04-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.

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 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I keep getting letters from this company claiming i owe for services at  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The  seizure  of my property without a warrant and without a court order is a violation of FRCP rule  41 and 18 U.S. Code 983.      I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to   obtain a fraudulent loan from   XXXX   XXXX   XXXX   XXXX  . Therefor e Lendmark Financial Service is not the  holder in due course, which would explain why they could not provide validation for the allege debt.     It is more then clear that  Lendmark Financial Service  has committed fraud being that  Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that  Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by  Lendmark, my  property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I mailed a  Multiple Inquiry Removal Letter  by mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According  to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be i nvestigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a 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 2017-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Lend Smart Mortgage, LLC
State: IL

Complaint narrative:
I have been trying to get a I-Refi loan since XXXX XXXX of last year! This is over 8 months ago and I am still waiting! The Loan Officer who is handling my loan application has not responded to my text messages or phone calls since the middle of XXXX of this year! I have even reached out to the government agency that is in charge of this program ( the program allows for homeowners who are upside down on their mortgage grand money from HUD to pay down up to $ XXXX of this. The agency in Illinois is XXXX ). 

Original the program calls for the consumer to put out only an appraisal of the home at a cost of {$400.00}. XXXX certified only a handful of loan companies for this program. One of which was XXXX. 
I have been through 2 appraisals of my home and one reinstatement appraisal because of these huge delays! I have paid out {$750.00} and the loan company has paid for the other appraisal. I have produced volumes of documentation over these past 8 months, verifying and re verifying every document they have requested!!! I keep getting the runaround. They keep blaming it on the underwriters, saying they keep asking for additional documents, etc. Each time I upload the request to the system something else is in question! I am about to XXXX out over this loan! I have kept every email, text message, and document I have been requested to produce. 

These unnecessary delays has cost me thousands of dollars over these past few months. Not only has the interest rate on my loan been changed from XXXX to XXXX ( thousands over the coarse of the loan, I have both disclosures ), but I estimate that based on a 2 month loan process I am losing {$450.00} a month. {$450.00} a month for the last 6 months ( {$2700.00} ) plus the additional {$350.00} reinstatement appraisal fee and the additional increase of XXXX percent on my loan is my financial loss. 

The name of the lender is XXXX in Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a credit card with  Capital One . I made a online payment on    XXXX   XXXX   XXXX     , but the payment was erroneously from a bank account I had closed, that was still listed on their site. I choose the wrong bank account for my payment. I didnt realize this until weeks late when I checked my bank account and did not see  Capital One pa yment posted. ( I checked on  On   Capital One  site, it stated that my payment has been received and no payment is due at the time. No where does it state that the payment were returned ) .After realizing this I called Capital One and explained to them it was error, I accidentally chose the wrong   bank account. I made my payment with the  Capital One Rep  and he also waived the late fee. I have a 30 day late payment on my credit report. I have dispute this late payment and also, I have called  Capital One  to see if they can do a goodwill adjustment since I have been with them for 6 year and never been late and they said no. Please keep in mind that I never received a called or a letter regard my late payment. I understand and know it is my responsible but,  If Capital One had   called, email or mailed me a letter regard my past due account I would not have this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased multiple  XXXX  gift card to give as gifts and when I gave them, the recipient informed me there was no money left. Unfortunately, by the time I filed the complaint, it was told the fraudulent transactionwas past the 6 month mark. Of course, if it was my personal credit card, I would have noticed a few days after the transaction, but given it was a gift, I do n't check the amounts regularly. I 've also physically mailed in my claim form and faxed it ove r ( the only  methods available ) and yet have heard no response from their dispute line. Apparently this is a huge issue with  XXXX  gift cards since the only digits that change are the la st 4. It 's  ridiculous that such a large credit card company has a known issue with fraud and yet have n't done anything about 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 monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
On   XXXX   XXXX   XXXX   I got a non-secured personal loan with  XXXX   XXXX  /  Onemain Financial.  Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed   XXXX  ,  X/XX/XXXX ,  X/XX/XXXX  that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a  XXXX   XXXX   XXXX  girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in   XXXX   and   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am living in  XXXX  working and working in  XXXX , and have been accepted to  XXXX  's  XXXX  business s chool ( to start in  XX/XX/XXXX r ). I h ave applied for a loan and have received a loan offer, but  XXXX   XXXX  requires an Experian credit report. I have tried repeatedly to access my report, but each time I get locked out and get an error message. I 've spent nea rly three h ours on the phone over the last couple of weeks with the customer service and disputes departments, but I 've not been able to resolve my issue. I 'm not sure whether it 's because I 'm abroad or something else that happened when I tried to access my report ( the internet is n't always the most reliable ), but I really need this credit report so I can pay for my education.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I 've disputed this information numerous times beginning in   XXXX  . Experian informed me that unless I provide them with additional relevant information they wo n't re investigate my dispute. I asked them for the method of verification but NEVER got it. All I got was a letter stating they wo n't reinvestigate unless I gave them more relevant information which is a violation of the law.

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 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Nationstar Mortgage wrote to let me know that effective   XXXX    , the servicing of my mortgage, loan number  XXXX , would be transferred to  XXXX   XXXX   XXXX   XXXX . Accordingly, I made mortgage payments to  XXXX   XXXX   XXXX   XXXX , loan number  XXXX , in  XXXX  and   XXXX   XXXX    . Now, Nationstar Mortgage is calling me, plus sending letters and email to collect for supposedly past due payments, despite twice confirming that the loan servicing was transferred to  XXXX . On   XXXX   XXXX   XXXX    , I talked to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  concerning my issue and she promised to research the issue and call me back by   XXXX   XXXX   XXXX   but she did not call me. I left a message with my loan  XXXX  on   XXXX   XXXX   XXXX   but she did not return my call.   I called  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX  , where a representative told me that indeed, the loan servicing was transferred to this company. However, during the week of  XXXX   XXXX , I received a letter from Nationstar Mortgage with an offer of borrower assistance ( as If I am late in making payments ) Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On   XXXX   XXXX   XXXX     I made a payment to Synchrony Bank on  my HH Gregg credi t card for  XXXX . This was to include my   XXXX   payment, late fee and payment for   XXXX  . On   XXXX   XXXX  , it was explained to me that my  XXXX  payment was now late because I paid it too early in  XXXX  ; I was told I should have waited until after the  XXXX  to make this payment. Now I am being charged a late fee for   XXXX  . As a consumer I have never been given an explanation as to how early I can make a payment for the next month. Now I have to pay a late fee on a payment I thought was already made. I do not feel this is fair to me as a 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 monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is my second complaint and while I 'm usually not  one to co mplain this is getting a bit old waiting on  5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.

Company response to consumer: Closed with non-monetary relief