vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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:
I have sent information to Experian on several occassions regarding a home that I sold in XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( Experian ) states that a creditor received a deed ( CRD ) what creditor.Foreclosed I have never lost a house as XXXX XXXX Bank was paid and also requested Experian and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX Bank, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX requested 4 times and 4 times for what as Experian had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XXXX/XXXX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX  I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and Experian says that they have no number. Come on The IRS.And Experian Inquiry on XX/XX/XXXX for what?.

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 2019-02-02 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: I.C. System, Inc.
State: TX

Complaint narrative:
IC System, Inc., a third part debt collector, is reporting a collection account for XXXX in the amount of {$390.00}. The state of Texas requires debt collectors to be bonded. IC System, Inc. does not possess an active bond in the state of Texas and therefore does not have the legal authority to collect debts in Texas, or report those debts to Credit Reporting Agencies. 

Accordingly, I demand that IC System, Inc. immediately cease all attempts to collect this debt from me, as well as delete the account with both XXXX and XXXX. 

Per the Texas Secretary of State 's website, Debt Collector Search tool, IC System Inc. 's surety bond in Texas was cancelled XX/XX/2004.

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I applied for Barclays Arrival Plus Mastercard Credit Card on XXXX. 
Barclays collected all my confidential information ( Social Security Number, Date of Birth, Address, etc ) and pulled my credit report ( hard inquiry ) They now sent me a letter asking for the following information : a ) Proof of Address b ) Copy of Drivers license c ) Copy Social Security Card d ) Copy of Utility Bill This is a XXXX bank perpetuating fraud in US and collecting vital and sensitive information of US Citizens.

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 2019-02-02 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: TX

Complaint narrative:
I have tried to get answers from transunion on why these inquries are coming up on my credit. i have sent multiple letters to transunion and the have not answered anything i have asked them to do.

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 2019-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX XXXX XXXX credit card ( which is run by Synchrony Bank ) and  made a purchase of {$4700.00}. There was a promotion to earn 20 % back in " reward points. '' When I received my statement, they had only given me 10 % in rewards. I called and they acknowledged the problem but said it would take 1-2 billing cycles to resolve. When I received the next bill, I had been issued a " rewards certificate '' for the remaining number of points that were owed to me. However, when I went to use the certificate at XXXX XXXX XXXX, the certificate number did not work. When I called Synchrony Bank, they didn't know why it wasn't working and said it would, again, take 1-2 billing cycles to resolve. When I complained that I had already waited an additional billing cycle to get points that were owed to me, they said that there was nothing they could do. When I asked how they would be fixing this problem, they said they didn't know. 

This bank clearly has an issue with their rewards points system- it should not be that hard to get things right.

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 2019-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
CFPB I am filing this complaint because Experian credit bureau filed a dispute on the wrong account twice. On XX/XX/XXXX I sent Experian a dispute for XXXX XXXX Account number XXXX asking for verifiable proof a request to disclose all information about this account of course they didn't comply. Upon checking my online credit report which is Experian Credit monitoring I noticed that the remarks never changed that the account is being disputed. But I did notice that my positive account with XXXX XXXX changed in the remarks that the account is being disputed. A few days later I received a letter from XXXX XXXX stating that they couldn't understand what the credit bureau was trying to dispute of course cause I wasn't disputing that account. On XX/XX/XXXX I sent Experian another dispute for this XXXX XXXX account and I made it clear that I was disputing XXXX XXXX account XXXX and Date opened XXXX of XXXX. Some how Experian does the same thing and disputed my positive account again instead and these accounts was opened on different years. In the letter I clearly wrote I am disputing the XXXX  XXXX account that was open on XXXX of XXXX. A few days ago I received another letter from XXXX  XXXX stating that they couldn't understand the information that the credit bureau sent of the dispute. I have copies of these letters from XXXX XXXX and I also have the last dispute letter where I clearly wrote I was disputing the XXXX  XXXX XXXX account that was open XXXX of XXXX these accounts was opened different years so Experian should of knew what account I was disputing. I called XXXX XXXX and they stated this disputed account was sent from a automated system which is probably the reason why Experian is disputing the wrong account. Experian is also showing incomplete account numbers which is also why they keep disputing the wrong account. Under the Fair Credit reporting Act I thought a credit bureau was supposed to verify these by the original documentation that the creditor send when they pay for the bureau services.

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 2019-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.

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 2019-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I applied for a car loan through a private lender. It made me go to the TransUnion website and get my credit score to type in to their website. At no time did I check any boxes agreeing to pay after 7 days. We paid {$1.00} to get my score. Today, XX/XX/2019, I had a charge of {$19.00} come out of my bank account from TransUnion. When I called, they were dodging the issue, couldn't tell me what they were charging me for, wanted me to provide another credit card number, and didn't want to refund the service fee. They wouldn't even tell me what they were charging me for. 

They have claimed to have cancelled the subscription, but have not refunded my money that I never authorized them to take.

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 2019-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was making a transaction with a seller and he told me to pay through XXXX since it was the most convenient option. I went through with this payment method since my bank provided it, only to be scammed out of my money, which was more than XXXX . I have tried contacting the seller but have received no word. I looked to see how this issue is fixed but have seen in forums that my bank provider, Wells Fargo, does not honor protecting people through XXXX. I need to get my money back because I have payments coming up. I need help ASAP

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 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02 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:
I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX  ) states that a creditor received a deed ( XXXX ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX  on XX/XX/XXXX reference number # XXXX. XXXX XXXX  phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.

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 2019-02-02 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:
I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan was transferred to a new servicer Rushmore Loan Management Services. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/2019. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.

Here is some information from previous servicers and what has happened. 
I received a loan modification package from XXXX XXXX  with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX  XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place? 
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification. 
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of 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