vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I took out a loan to fix my transmission XX/XX/XXXX with a same as cash type credit card. I gave them an address ( a PO Box ) on  my contract to send all my communication to. They put in the wrong address, never sent the statements. I went back to XXXX several times asking for my bill and how to pay. 

The person at the credit card company then sent a statement but charged me all the interest and paid on debt but they kept increasing the balance because they sent to thte wrong address. I paid off the debt and they said they could help but they charged off my balance and will not let me pay them back. I called again with a person trying to help me on XX/XX/XXXX. They confirmed they saw the wrong address and their notes. Said they would not correct credit and that they could not even get me the pay off balance. They said they would send a letter to tell me whet they would do. This is the 4th time ive tried to resolve.last time they laughed that they were hurting my credit. I do not know where to turn. This company wants to charge my 4 times more money then the bill just because they sent the statement to the wrong location. the General manager at  XXXX even tried to call them but was told it wasnt any of his business.

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 2018-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
In early XX/XX/XXXX, a bank statement from Huntington Bank was forwarded to our new address in New Jersey. The Account No. is shown on the attached copy of the statement. We never opened this account. When I called the bank in early XX/XX/XXXX, they said it was opened by someone with a telephone number that is neither mine or my wife 's. The statement claims we have {$9.00} in a savings account. The statement activity is supposed to be from XX/XX/18 to XX/XX/XXXX. In addition, the account was opened in Ohio. Neither my wife nor I have ever been in Ohio. The person I spoke to said the complaint was being transferred to " the investigative team. '' We have not heard back in several weeks and I called again today. 

The person I spoke to said there was no record in their system of my original call. She took the information again and agreed with me that this seems like fraud. When I asked why there was no record of my original call, she said she didn't know. When I asked what was going to happen to the information I provided, she said it was being transferred to " the investigative team. '' We are concerned that someone may be opening an account in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I received a collections letter from Associated Credit Services with out any debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: NC

Complaint narrative:
Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. I also, have not received anything via email or mail regarding this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I never received formal documentation that Navient obtained my Stafford Loans and I never got to choose a repayment plan and never was notified that my loan repayment had begun. As a result, I am MANY months late and faced a huge credit score hit ( Down 150 points ) recently. If I had known about Navient collecting my loan i would have had no problem paying it off but now I'm way behind and my credit score is way worse.When I told Navient to send me any documentation of me agreeing to the term of the loans or my repayment options they told me I to go to StudentLoans.gov and look those up for myself which doesn't seem right. 

The total of the loans is {$22000.00} and the repayment began in XX/XX/2018  but I first learned of this only a couple of weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Good morning, I have attempted to close my XXXX XXXX XXXX credit card but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Purchased new vehicle and requested to have credit life and disability added to the loan however, dealership said this is not an option since i am in the military. Was told that the SSRA ( Soldiers and Sailors Relief Act ) prevents them from offering this product to me. Advised dealership that this only applies to active duty military, which I am not. I am a XXXX in the XXXX XXXX XXXX XXXX. Dealership also kept my warranty cancellation refunds and charged additional monies to the loan. Although I have a credit FICO score of around 780, i was still charged a 5 % interest fee on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK
State: FL

Complaint narrative:
RE : Previous complaint No. XXXX - **** Inadequately disclosed outrageous early withdrawal Penalty. **** I finally did receive a copy of the " Deposit Account Agreement '' which I requested from Discover Bank with 3 or 4 phone attempts starting well over a month ago. Thank you. While this agreement does show the early withdrawal penalty for my 10 year CD being the outrageous 24 months of simple interest I was not well informed of this penalty being the 24 months instead of the 7 months penalty of my previous 2 CDs with Discover Bank. It is claimed by Discover Bank that this online application was electronically signed which I do not remember but would not have agreed to the 24 month penalty if it was made apparent to me. It had to be concealed in " fine print '' somewhere - I now understand why - who would open a CD with a 24 months penalty for early withdrawal. 

I want to be refunded 17 months of simple interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2018 I purchased a computer from XXXX for {$1500.00}. I paid thru XXXX. When I received the computer, it was not as described. I received a shipping label from the seller, and returned it the following day. My case with XXXX is XXXX. After I returned the computer I called Capital One, my credit card company and disputed the charge. They issued a credit, contacted XXXX, but asked the wrong question. They asked if I had received the item, instead of asking if I had returned the item. Which of course I did. My case with Capital One is : XXXX. Capital One reversed the charge. I contested it, with negative results. I provided them with the USPS tracking number XXXX. The tracking number proved I shipped it back, but shows that the USPS made several attempts to deliver the computer but that no proof of acceptance of delivery was obtained. 
I talked with XXXX agent ID number XXXX of Capital One, and was told that since no proof of delivery was made, that would not reverse the charges. 
XXXX agreed with me, and tried to credit my account, but the case with XXXX and Capital One was still pending so, they could not do anything. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ). 

In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct. 

I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.

I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.

Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.

The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.

This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed  immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
My mortgage loan was recently transferred to Fay Servicing. Account Manager I am assigned XXXX XXXX extension XXXX. Email is XXXX. His manager is Mr. XXXX email is XXXX I have explained in the past month that we have a permanent HAMP modification on our loan. Under HAMP guidelines we are in good standing with our loan as long as we do not go over 90 days late.

We have never gone over 90 days late. However since our loan was transferred over Fay Servicing issued us a notice of default before we were 90 days late and now refuse to accept our monthly mortgage payment. They are stating we need to make all three months payments or they will not accept payment. 

With them not accepting our mortgage payment this month after XXXX ends we will be in default under HAMP as our loan will be over 90 days late. We currently owe for XXXX, XXXX and XXXX. We have been attempting to make XXXX 's payment for the entire month of XXXX with no success. 

I have explained this to them over and over and no help has been provided. We never had these issues with our previous servicer but now that the loan has been sold they are not acknowledging that we have a permanent HAMP modification. 

Taken from Making Home Affordable Handbook V5.1 page 136 chapter II : HAMP section 9.4 Re-Default and Loss of Good Standing If a borrower defaults on a loan modification executed under HAMP ( delinquent by the equivalent of three full monthly payments at the end of the month in which the last of the three delinquent payments was due ), the loan is no longer considered to be in good standing. Once lost, good standing can not be restored even if the borrower subsequently cures the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TX

Complaint narrative:
My complaint is against XXXX, Transunion, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX, Transunion, and XXXX. The problem that I am having is, XXXX, Transunion, and XXXX, still have payments late for year XXXX and XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX, Transunion, and XXXX responsibility to correct the problem and XXXX, Transunion, and XXXX says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report 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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
In XX/XX/2018, when I was obtaining quotes for new car insurance, I discovered that XXXX XXXX has been reporting that I have had lapses in my insurance policy several times over an 8 year period. Because of the public information they are inaccurately reporting, insurance companies think that I am a " high risk '' insured because I let my policy lapse. This information is not valid, correct or legitimate. I contacted my agent and they confirmed that this information is not correct and couldn't explain why it is being reported incorrectly. My policy has never lapsed and their answer was to provide me a letter showing the correct information. However, when I asked them to please call and correct their reporting information with XXXX, they didn't know what I was talking about or how to correct it. They advised me that the letter should be good enough and all I need. But it isn't. Any insurance company that runs me through XXXX to verify my car insurance payment history can see this incorrect information and will give me a high risk quote for insurance. I also think that I am paying more than necessary for my current policy due to this information because the underwriters think I am high risk as well. This has been going on for years and I did not know about it. If I hadn't got tired of paying the increasing premiums and was looking elsewhere, I would just continue to be oblivious. This keeps me from getting a new and fair insurance policy if I desire and forces me to pay more for insurance when I shouldn't be. Also, if my lienholder had seen this, they could have repossessed my car thinking I did not have insurance. The State of Missouri could have suspended my drivers license for not having insurance. And my job could have fired me as I have a background check every year and can not break the law in ANY way. This is a serious problem that could have had catastrophic effects for me. This is very unfair to someone who has been a customer of StateFarm for over 20 years and always pays their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have had a secured Discover credit card for 13 months. Despite promises to review the account after 7 months to transition to an unsecured card, my card remains secured. I have had no late payments, no high balances, no red flags anywhere. I have checked my credit report and there are no derogatory items over the last year. According to the information provided by the companys agents and website, I have met all of their criteria to obtain an unsecured card. Discovers agents tell me the process is automated, and no human can intervene. Of course this makes no sense. The company is not run by computers, it is run by humans who have a responsibility to investigate when a problem is identified. I believe Discover is running a scam by holding on to card holders security deposits for longer than is promised, thereby creating revenue for the company with funds from people recovering from financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to TransUnion on multiple dates to dispute inquiries that I did not authorize. 

Inquiries which I have no knowledge of and did not authorize are as follows : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX   XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I sent Diversified Consultants a dispute letter dated XX/XX/XXXX via XXXX certified mail, that was delivered and signed on XX/XX/XXXX. In my dispute letter I clearly ask for validation of this alleged debt. I request this company to provide me with any document bearing my signature that states I agree to pay or owe Diversified Consultants any outstanding debt. I have never spoken to anyone from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe, and I'm very specifically asking for copies of documents bearing my signature that connect me to this account. Diversified Consultants has no where near provided me with that. What they sent me was a letter dated XX/XX/XXXX which states they are in receipt of my request for this validation of account, but they don't provide any of the proof I request. They send a copy of a revised bill with just the amount XXXX on it and its says Due Immediately. At the top of this bill it has Bill period XX/XX/XXXX-XX/XX/XXXX. 

Also after reicieving this dispute, Diversified Consultants never contacted any of the credit agencies that they are reporting this and marked this account as Disputed as required by law. 

I followed this up with another USPS certified letter dated XX/XX/XXXX that was signed for by Diversified on XX/XX/XXXX. In this letter I continue to state they have not provided me with copies of the signed documentation that I request. My letter clearly states per FTC Attorney XXXX XXXX a copy of a bill isn't debt validation. They have provided mw with nothing to validate this alleged debt as belonging to me. 

Clearly they don't have the documentation I'm requesting on this alleged debt, or they would just provide it. They are stalling while they blantly skirt FCRA laws. If this account isn't immediately deleted from my credit report, and not sold to another collection agency, my next step is to sue Diversified Consultants in court for various violations.

Company response to consumer: Closed with non-monetary relief