vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on XX/XX/2018, I went to PC Richard and purchased a XXXX Dryer for my home using a PC Richards credit card. One of the staff members took the dryer to my home that day using a hand-truck and told me I just had to give him {$30.00}. When I arrived home my husband informed me that our dryer was working, when he went to remove the old dryer he noticed it was unplugged. I went back to PC RICHARDS and found the same gentlemen who brought my machine and informed him that the one at home was working and asked him to return the new one. He did and to my knowledge that was the end of that. 

I applied for the credit card that same day when I was offered a discount if I did. The address on my state ID was outdated it appears, I called Synchrony to tell them about the issue and they stated the ID on file had my previous XXXX address so I am assuming that they sent the billing information there as well. Since I returned the Dryer I believed that was why I never received a bill. This account is now in collections with XXXX and impacting my credit.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them update the months in question to paid as agreed for this account or remove the entry from my credit report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a money market account with BBVA Compass. I have tried to make online transactions to transfer money out of my account on several occasions. The transactions do not process, and BBVA has no explanation on why the transfers are being refused nor are they assisting me. They state that I simply need to schedule the transaction again, however each and every transaction scheduled fails without an explanation.

Efforts to reach their corporate department have failed. BBVA does not have any branches in GA, which is where I live, so I can not meet any representative. 

I am an XXXX and planning to file a lawsuit against them. I have $ XXXX in the money market account and can not get any money out. 

I have also sent a notarized letter asking for the account to be closed and the funds to be transferred to me. BBVA is refusing to close the account. 

In addition, under their disclosures of opening a money market account, BBVA does not clearly disclose that there is a monthly limit of {$7500.00} to transfer funds out of the money market account. They only disclose a maximum of 6 monthly transactions but not a monetary cap. This is a deceptive practice and they were unable to point me to a disclosure discussing the dollar cap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCHRONY BANK - Synchrony financial care credit Contacted Synchrony bank to make payment on credit card bc I lost credit card. Company charged me late fees and interest when I can not even login to account using credit card number. 
Company proceeded to charge me more late fees and interest on charges which I could not view online or make payment towards. 
Violating customer rights to view bill before making payment. 
Asked collections service manager to remove late fees and interest to no avail XX/XX/2019. 
Still can not login using account number to view transactions. Fraudulent practices by company costing customers money when they can not even login online to view profile and associated charges.

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 2019-07-19 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: KS

Complaint narrative:
XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal CBR. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





XXXX XXXX XXXX XXXX XXXX pa, 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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In 2019 XXXX XXXX, XXXX XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XXXX and XXXX. 

I request to change the inquiries to a soft since the process working with XXXX XXXX is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link.

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.

Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, XXXX XXXX must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

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 2019-07-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to open a savings account with a credit union but was blocked due to a XXXX XXXX charge-off from Fifth Third Bank saying I owe {$140.00}. I have never had an account with Fifth Third Bank. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 
In the past month, Fifth Third bought out MB Financial, which my parents had an account with in the past but their account was closed in 2014 and they paid any balance owed. I have never had an MB Financial account. Fifth Third Bank is claiming a balance on an account that never existed and is not  giving me documentation saying that I do not owe them the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
put in some information on line like name address number and it never asked me to pull my credit and the person on the phone XXXX XXXX Licensed Lending Officer NMLS # : XXXX Pulled my credit without my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I have been receiving calls from Frost - Arnett. At the beginning of the call they advise that the call may be monitored or recorded. They ask if I am ____ ____, I say yes you are speaking with _____ _____. I then ask them what this is about. They then say they are a financial company calling me about a financial matter. They then tell me I will have to verify my date of birth and social security number before continuing to disclose the reason for the call. I advise that I do not release this information over the phone, and I do not believe I have any financial dealings with them. 

I further ask the name of there company, and who I am speaking with, as this was not provided at the beginning of the call. I was given the name of the company Frost - Arnett, and first name only of the person calling. 

I then further ask them if they are a debt collector, and are they attempting to collect a debt. The representative tells me they will not disclose the matter until I further verify myself. 
1. I have not received any notices from the company 2. I thought they had to disclose this as an attempt to collect a debt upon the person stating that they were speaking with the person they were calling.

3. I had a difficult time to reach a manager to voice my concerns regarding their practices. 
4. I advise them that they must disclose the reason for the call, and they failed to do so. 
5. Therefore, I requested no further communication from them, and that they dissolve any debt that they think that I may owe them, as they will not provide me any information. 
Is there any further action I can take against these deceptive practices? 

Thanks, Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner FinanceXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XX/XX/2019 Called XXXX XXXX   XXXX and was told by my office manager that this is a business and that I do not have a personal line and do not call here again. XX/XX/2019 Again they called XXXX XXXX  and was told by a coworker who answered the phone not to call that XXXX is a business line not my personal phone number. XX/XX/2019 called XXXX XXXX XXXX and was again told that it is a business line and not to call here. I have changed all information with them to contact XXXX XXXX XXXX and they continue to call my place of employment and only my place of employment 's phone number.

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them remove the account from my credit report for inaccuracy. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I tried to open a savings account with a credit union but was blocked due to a Chex Systems charge-off from XXXX XXXX XXXX saying I owe {$140.00}. I have never had an account with XXXX XXXX XXXX. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 

In the past month, XXXX XXXX bought out XXXX XXXX, which my parents had an account with in the past but their account was closed in XX/XX/2014 and they paid any balance owed. I have never had an XXXX XXXX account. XXXX XXXX XX/XX/XXXXis claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.

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 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
We bought our current house in XX/XX/XXXX, XX/XX/XXXX NewRez bought our previous lender, NewPenn, and took on our mortgage loan. As of XX/XX/XXXX of this year NewRez increased our mortgage payment 25 % ( {$560.00} ) and they can not explain why. Our taxes did not increase and our insurance did not increase. They are claiming that they need a {$5400.00} starting balance in the escrow account and a required cushion of {$1600.00} in the escrow account and with those two amounts pushed the escrow account negative and are saying we have an escrow shortage now. They increased our escrow payment from {$800.00} to {$1300.00} a month. According RESPA they are not allowed to charge us any more than 1/12 of our annual escrow charges and can not keep a balance in the escrow account of more than 1/6 of the annual escrow charges. They are doing all of the above. Our property taxes and insurance premiums come to $ XXXX, divide that by 12 months and our escrow payment should be {$860.00}, and they increased our escrow payment to {$1300.00}. I don't even know where they got that number from. We have called them twice since we became aware of this increase and they can not explain any of the increases, all they say is they advice us to look at the escrow analysis, which is what we told them we were looking at when we were talking to them. They said there was not a supervisor who could explain the details of the loan to us. I was on hold for 15 minutes waiting for someone to get a supervisor and she came back and said no one was available but she talked to a " Lead '' and they said they can legally do what they are doing. I told her that according to RESPA they can not require me to deposit in excess of 1/12 of the total amount of estimated charges for escrow and she said that they can collect two months worth of mortgage. I have never had a mortgage lender increase my mortgage because they state they require a {$5400.00} starting balance and an additional {$1600.00} required cushion in the escrow account. They have increased our monthly mortgage payment from {$2200.00} to {$2700.00} and can not explain any of it to us. Nothing has increased in taxes or insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My husband, XXXX XXXX and I, XXXX XXXX had a mortgage loan with XXXX XXXX. The loan was sold or assumed by XXXX XXXX. We did not receive the new payment information in time for us to make the payment to the new lender. We missed it by one day and they reported it aas a 30 day late. We paid that loan of in XX/XX/2015. Freedom Mortgage is reporting that the loan is paid off but stating over the various credit bureaus that we are 30 days behind but showing it as 30 days for different months under my name XXXX XXXX & my husband 's name XXXX XXXX making it look like we have 4 30 day lates. The account with Freedom Mortgage is XXXX. This was a joint loan that was acquired by XXXX XXXX. The item from our report shows the variation between XXXX and XXXX XXXX. XXXX doesnt have loan XXXX reporting to them. XXXX  is stuck at a 30 day late with the balance showing. For XXXX XXXX, its updated to a balance not owing but your items shows paid where XXXX XXXX is stuck in the 30 day late position. Plus, with XXXX XXXX, the 30-day late history differs. XXXX XXXX, has the dates at XXXX & XX/XX/2015 late and XXXX XXXX at XXXX & XX/XX/2015. This makes us look like we were 4 times 30 days late which is not true. This has caused us to pay a higher interest on all of our purchases since XX/XX/2015 and now prohibiting us from purchasing a new home. Please help us fix this error. 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 2019-07-19 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





Nationwide Credit inc XXXX XXXX pa, 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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
My home sustained severe damage from Hurricane Michael in XXXX of 2018. I filed a homeowners claim with XXXX XXXX XXXX immediately. Insurance came to inspect and wrote me three checks which seemed insufficient to cover the repairs. I tried to contact my insurance company over a period of months regarding their estimate and the man handling my claim would never return my calls. After getting tired of waiting, I hired a public adjuster to help me with my claim ( XXXX XXXX XXXX XXXX ). Long story short, the insurance company and the public adjuster reached an agreement and they sent a check made out to myself, the P.A., and Selene Finance ( my mortgagee ). I sent the check to Selene Finance after the P.A. and I endorsed it about a month ago. This check was for {$90000.00}. Now Selene has over {$110000.00} total that I've sent to them from insurance. ( The contractor 's estimate is {$95000.00} ) Selene Finance is refusing to release funds to cover the 10 % fee charged by the public adjuster.

Company response to consumer: Closed with explanation