vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: VA

Complaint narrative:
I recently received an annual credit report and it include a " HISTORY '' going back several decades. When I asked why they even had that information I was informed it helped with rating my credit score. 

I was under the impression the only thing that affect a score was recent history. I had no idea they could even retain records going beck 30 years or more. 

I also don't believe this should impact my credit rating. When I asked they to delete this information from their records, they refused. 

Is there some way to correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # 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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
REFERENCE:XXXX I applied for a PayPal credit card it said that I would receive a letter in the mail with your decision I received a letter and it says you could not approve me but not for a normal reason you're only reason listed was that you claim you're unable to verify my identity I have to say I'm shocked how is that possible in XX/XX/2019 first of all I have a PayPal account that with bank accounts and credit cards attached to it and all my personal information but in addition to that when filling out the application if I recall you asked for Social Security numbers date of birth I'm just not certain what more information I could have given you how is it possible that you can't verify my identity? Nobody called to ask me other questions you haven't asked for anything I mean I have a Michigan State ID obviously the state of Michigan can verify my identity I also have a passport that's been used to travel all over the world obviously the federal government can verify my identity do you need copies of those things I was born in Missouri I can even give you a copy of my birth certificate but the fact that you didn't even ask for anyting makes me sit here and just wonder and shake my head I mean I'll be honest it almost feels like you're discriminating against me for some reason what have I possibly definition and I'm assuming you pulled one of my credit reports which would have confirmed all the information I have provided

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 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # 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 2019-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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 have been paying back my student loans held by Navient for about 5 years now with a fixed payment plan ( the same amount is withdrawn every month on autopay ). On XX/XX/XXXX I directed an overpayment to a loan. 

Today ( XX/XX/XXXX ) I did a deep dive into my loans to check how repayment was going. I noticed that, though I was charged the same monthly amount, no money from my monthly payments had been going to the loan that I overpaid for the months of XX/XX/XXXX-XX/XX/XXXX. I also noticed that the next time that that particular loan was scheduled to be paid was XX/XX/XXXX, a full year after I had directed the overpayment. 

Obviously, my intent in overpaying a loan was to pay it off quicker, not defer payments and have the loan accrue interest while it was deferred. I had overpaid before and had never had this issue before. To my knowledge, I had not received any correspondence from Navient that would indicate that loan overpayments would defer future auto payments, nor was I given an option at the time of overpayment to choose whether or not I would like to defer future payments. 

I called Navient and they said that they would fix the issue. They would reset the payment calendar on that loan to reflect when I would begin payments ( in XX/XX/XXXX instead of XX/XX/XXXX ) and they would return interest that had been compounding on my overpaid loan. They also said that they would reallocate my previous payments retroactively to reflect my original intention, which was to have my regular monthly payments continue after an overpayment. 

I am filing this complaint for two reasons.

1 ) I am worried that Navient may not resolve this issue in a timely manner and in the way that they described to me on the phone. 

2 ) The practice of defaulting to loan deferment after an overpayment is deceitful. The intent of most overpayments is to pay a loan down more quickly. By defaulting to a deferment, Navient is ensuring that they are collecting interest on loans that have been overpaid. They are hoping that those in debt do not notice that certain loans are not in repayment because of an overpayment and are therefore collecting interest. 

I caught this problem, but I do not want others to have the same issue that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
I have received a notice from First National Collection Bureau which was delivered to the wrong address which i have received very late and immediately contacted the bureau by phone and told that i am not aware of any case in any court and did not receive any notice and warrant in debt and details of debt prior to or after filing of the case or copy of the judgment which they claimed it has been placed with them. I requested them to furnish me the copy of the judgment and who filed the case in the court and the party from whom they purchased the right to collect the debt and after first agreeing to furnish the same email address XXXX did not send it and when i contacted them again they advised me to contact XXXX XXXX XXXX XXXX and find their contact information from their website instead of transferring the same to me. I denied their claim and said that i will take legal action. 
please take suitable action against XXXX XXXX  as i suspect something suspicious is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been having an ongoing problem with Equifax over trying to put a permanent lock on my credit report. First, I was unable to login to my account. Then I was told that they would send me a verification code to access my account. Next the verification code did not work. Lastly, I called their toll free " Customer Care Team '', who wanted me to start the whole process over again online. At that point I repeatedly asked to speak to a Supervisor to no avail. Finally I told them to permanently lock my credit report. 

I don't ever want to deal with company again, however I still need to know that my Credit information is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I noticed that my XXXX payment had not posted to my checking account, and called Navient. I have been on a payment plan for a while, and it was time to review my financial statement. I was proposed an increase of over 15 % on my monthly payment, I asked to speak to a supervisor as I am struggling to make payments as it is. I was denied an option for a lower payment - my monthly payment was increasing from XXXX {$540.00} to XXXX {$630.00}. 

This incident prompted me to research a little further to see how much I had already paid on my student loans, and what I found out was mind blowing : I have borrowed from Sallie Mae a total of {$86000.00}, already paid {$50000.00}, but still owe {$96000.00}. 

Loan 1 - {$24000.00} on XX/XX/XXXX, Loan 2 - {$30000.00}, on XX/XX/XXXX, and Loan 3 - {$31000.00}, on XX/XX/XXXX. 

I would like to know what are my options, as this looks like predatory lending. Any help would be greatly appreciated. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: TX

Complaint narrative:
Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
Incident date- XX/XX/2019 Bank 's Name- XXXX XXXX XXXX XXXX Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Employee 's Name- XXXX XXXX. I walked into the bank to open an account. A free checking account can be opened with {$1.00} at XXXX XXXX. XXXX gladly open the account. 
The problem is she told me that she wouldn't mail me a visa debit card until I deposited {$50.00}. She told me once I deposited {$50.00}, she would gladly send me a debit card. She asked me was I sure I still wanted to open. I said yes. She received my {$1.00} and opened the account. 
The next problem is when I got home, the same day. XXXX called to tell me she had closed out my account. I asked why. She couldn't give me a straight forth answer. She only told me don't make any transactions because she had mailed the {$1.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Monterey Financial Services LLC
State: CT

Complaint narrative:
I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America offered an XXXX XXXX credit card with an introductory XXXX miles upon spending XXXX XXXX Therein lies the problem, when I had applied to the credit card, I had inputted a separate residential and mailing address. Afterwards I filled the rest of the application and was approved immediately. 
After waiting a while I realized that I never received the card at my mailing address, it turns out that Bank of America sent the card and information to the residential address ; assuming that the information mailed out to the residential address ( which I still have not received ). Herein lies my complaint : 1 ) I was not enrolled into the advertised credit card, but was instead enrolled into a different card with the same spending conditions, less miles earned per dollar spent and less miles earned for meeting the spending requirement ( XXXX instead of XXXX ). None of which were made known to me at time of application, acceptance letter, or delivery of the credit card. 
2 ) Upon requesting the local bank of america branch for help to see when I would be receiving the XXXX miles, they made it known to me that I had received the lesser valued card, but had still assured me that I will be getting the XXXX miles. 
3 ) Early XXXX, after half a year of waiting for the miles, I went to a local bank of america branch again and was told to wait while they worked on the issue at hand. This issue still has not been resolved. I was told then that they would fix the problem. 
4 ) today XXXX.19 I was told that they are refusing to even compromise and that I was not qualified for earning the XXXX miles even after being assured multiple times that I would get it and they refuse to work with me on any further subjects regarding this matter.

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 2019-02-22 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On my credit report I have a delinquent account with a company " Barclays Bank Delaware ''. It states the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. The balance is {$95.00}. I do not recall opening this account. I have attempted to make contact with the business using the number provided on my credit report and the number provided online. I have called several times and have not yet been able to speak to anyone to find out what this account was for. It had had a terrible impact on my credit score and I need to get this resolved.

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 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
To whom it may concern : I hope this message finds you well. I was a loyal XXXX customer for two years and always paid my balance in full. I never received any notification that I had debt with this company until I received a phone call from XXXX XXXX Debt Collection Agency in  XX/XX/XXXX stating that I owed XXXX  . This was the first time I was informed of having any sort of debt with this company and I immediately paid the balance in full. When I moved I had cancelled the service and was not made aware of any remaining balance. I have always been responsible and accountable for my finances and this mark is an inaccurate representation of who I am as a consumer. Moving forward, I would not want this wrongful accusation on my history to negatively affect my opportunities in the future which revolve around my credit score. 
Thank you for your consideration and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: OH

Complaint narrative:
Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.

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 2019-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.

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