vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
To whom it may concern: I had my mortgage with XXXX  most recently, XXXX  transfer account to them, well XXXX  filed bankruptcy and all the accounts went to Loan Care (NewRez) around XX/XX/2019.  When I called them to setup account, get info on them, the recording states it a collection agency.  When I was able to speak to a rep, she explained that we (all previous XXXX  accounts) were not in collection its just was transferred to them for us to submit payments. That all pymts would be handle same, meaning (and I asked) that we have until the 16 of the month to pay with out late fees, Thats all explained. To my surprise & I am sure to other ex-XXXX  payees they (Loan Care) failed to say they charge processing fees to submit pymts. That to avoid $XXXX  fee to pay on or before the 4th of the month, if past the 4th, then no matter how you submit pymt they start charging, that is something we never had to do if we actually with a Bank. I get if I call, charge me a fee like any other financial services, but I pay on line, I am not in collection to be penalized with this fee, especially when we did not have any say why our accounts were transferred to them & not another bank. Can you imagine all the accounts transferred paying for 30 yrs @ $XXXX  or more a month, what sweet piggy bank for them??? The reason I cannot pay before the 4th is that I am the only income in my home, I need to pay checks to be able to cover mortgage & not loose our home.  I am asking you please help us all not be charged those convenience fees we have no fault or remove us to a reliable bank.  Not a collection agency, Please!!!
The company again NewRez/Loan Care//Loan# XXXXXXXX//they call it a one time draft fee assessed, but this is charges every month, so its not  one time. Not fair again we get penalized to pay these fees. Our accounts has to be handle like a just transferred & not a collection, we are not past due.  I reported them to XXXX, but they have yet to care to respond.  They dont care.  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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I bought a car in XX/XX/XXXX and was financed by XXXX XXXX. XXXX XXXX   sold the loan to American Credit Acceptance in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. XXXX XXXX never reported selling the loan to American Credit Acceptance to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: NC

Complaint narrative:
I am a victim of identity theft

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I had several communications with XXXX management team and account problem departments of which had all found that they were in the wrong concerning this debit. They had made the adjustments and I returned the phone with the agreement that the debit was satisfied. Unfortunately all my kept communications have been wiped from my files saved in my XXXX XXXX. I am very stressed to find this report on my credit. The XXXX report has impacted my credit score and partly in my attempt to improve my credit. After my dispute I have received nothing from XXXX in 30 days which I believe is law. I am requesting that the XXXX report be updated to complete and satisfactory or for the XXXX report to be removed from all three credit reporting agencies.

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 2019-08-10 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:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

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 2019-08-10 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: WA

Complaint narrative:
On approximately, XX/XX/2019, I applied for a credit card with Walmart thru Synchrony bank. The ONLY reason I applied was for {$25.00} account credit with the initial purchase with the card. The {$25.00} credit would be issued only if a purchase was made on the same day the application was approved. 
My application was promptly approved and I was issued a temporary card number which was guaranteed could be used for online purchases. I attempted several times to make an online purchase on XX/XX/2019 ( as I remember the date of application to be ) using the temporary card number. Each attempt to purchase online the same day of the application approval ( as required by the application agreement ) using the bank issued temporary card number was declined. 
I was forced to wait arrival of the physical card before making my needed purchase on XX/XX/2019. 
Upon receiving my first statement for the Synchrony MasterCard, I noticed there was no {$25.00} credit, as promised by the promotional offer. 
I immediately contacted Synchrony bank on XX/XX/2019. The bank denied any responsibility for the {$25.00} credit. They said I had not met the terms of the promotion, i.e. making a purchase the day the application was I approved. 
I explained to Synchrony bank the temporary card number was denied several times when I attempted an online purchase the day of credit approval. 
I had attempted to meet the promotional criteria by making a purchase on the day of credit approval, but Synchrony bank had failed to meet it's obligation by not accepting the temporary card number to make the purchase. 
At this point, the bank rep said a request for the {$25.00} credit would be submitted to higher up, with no guarantee of approval. 
ON XXXX-19, Synchrony bank sent an email saying the {$25.00} account credit would NOT be forthcoming because I HAD NOT MET THE PROMOTIONAL CRITERIA. 
I believe this " promotion '' was just a scam to promote business. Synchrony bank failed in it's promotional obligation by denying my attempts to meet my promotional obligation ... .i.e. promising the temporary card number could be used to make online purchases and then rejecting attempts to purchase.

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 2019-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I already had a Credit Credit card and I was issue a new one in XXXX of 2019. I destroyed the old card as required by Care Credit. Care Credit reported this to the credit bureau 's an a " new '' account and it was not because I was issued a new one that replaced the old one. They also reported the card that was replaced as a " closed account '' and both these reported affected my credit score negatively ( points taken off ) and caused a major delay with getting a mortgage for a home. I called Care Credit with the mortgage company agent on the phone and we were told that they would not issue a letter admitting that they were wrong and that the mortgage company had to take her word that the credit bureaus were wrong. We both explained that we were asking for a letter stating that a new account had not been opened and that an account had not been closed. The Care Credit agent said that it was the fault of all of the credit bureaus and that Care Credit would not admit to wrongdoing. In addition, the agent for Care Credit said that we had wasted 16 minutes of her time because nothing was going to be corrected.

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 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX. XXXX XXXX, 1995 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 2019-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RANLife, Inc.
State: OR

Complaint narrative:
I saw a house that I want to buy sometime first week of XX/XX/XXXX. I contacted RANLIFE INC on XX/XX/XXXX to get pre approval for XXXX with 5 % down payment. I got the pre approval on the same date. Then I started contacting agent to start the purchase agreement. On the process of negotiations, we were able to negotiate to get the closing cost be shouldered by the seller but in exchange, the price need to be adjusted to XXXX. Lender was contacted if XXXX is still ok to proceed. A go signal was given. We proceed and closed the purchase agreement on XX/XX/XXXX. 

then somewhere along the process, the lender contacted me and said that I need to put more money as the numbers are tight after sitting it down with the underwriter. He said I need to put 10 % DP and that can make it work. He asked me for XXXX ( XXXX earnest included ) total and need to payoff car and credit cards. On my effort and following some of his advised, I was able to get and readied the funds I need for this house. 
Then just this XX/XX/XXXX, we got a call from our agent saying that the lender decided not to approved the loan for this property because they said its more a commercial property and not residential because of the adult care home business that it currently on going on that house. They said that they do not cater commercial loan. 
The problem is they should have told me this earlier. I should have not wasted time and money and underwent emotional stress if that house is not qualified in the first place. He knew from the start that there is a adult care home on that house and its also mentioned in the purchase agreement and even on our mail and phone conversations. He even gave us assurance letter so that we can proceed with our paper works and the owner to give 30 days notice to the current residences. 
He should have not let me continue and spent my resources and money to get ready for the closing. Initial closing date was XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I ended services with PayPal several years ago. I informed them to terminate my accounts and remove my information. Synchrony bank aquired what used to be their credit arm, BillMeLater. Despite repeated attempts with the company, Synchrony/PayPal Credit continues to hold the account open. I have not used this account since long prior to cancelling PayPal. There is no balance due. I have emailed and called them. On XX/XX/XXXX of 2019 I called and spoke with a representative. She assured me that the account is now closed. I received a follow up Survey request on XX/XX/XXXX and XXXX. Today I received another email reminding me that I have a PayPal Credit account. 
I am very tired of dealing with this. 
I do not wish to call them again, because I promise I will not be nice.

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 2019-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called Capital One today and spoke to XXXX in the account services department. He advised me that I was assessed a late fee for my XXXX payment. He then advised the late fee I assessed is the fee that has been reported negatively to the credit bureau. They are reporting me paying 30 or more days past due and that is incorrect. I have never paid 30 days past due. They are reporting me for a late fee and it needs to be reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),

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 2019-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/XXXX there was a pending transaction that caused my account to run negative by a few dollars so I had a deposit made in the amount of {$50.00} to cover any potential overdrafting once the transactions finalized the bank went ahead and charge me a fee of {$38.00} and on that same day manipulated a transaction that was pending for approximately {$20.00} to post at a later date which resulted in a second fee of {$38.00}. I have spoken with two or three different Representatives that have refused to do the right thing and credit my account and now I am negative 50 plus dollars instead of being positive {$24.00}. I have since threatened to cancel my account which I'm in the process of looking for another account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was part of the Experian Hack That leaked people 's information can you tell me that I was part of that effect liable for compensation but my credit has been compromised.

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 2019-08-10 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: IL

Complaint narrative:
After reviewing my credit report I notices several fraudulent accounts.

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