vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I paid my mortgage as usual, but then the amount was credited back. XXXX could not figure out what happened. I called XXXX XXXX to learn that they closed my account and transferred it to another company. The problem is on my credit report it just says account closed. This caused my credit score to go down 20 POINTS! I am in the process of planning to apply for a loan for my business next month. This error could ruin my potential business before it even starts. I have never made a late payment on mortgage for the 10 years I had it. This new company is a bank. The online system says they are only for making payments in an attempt to collect a debt.

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Inc.
State: NE

Complaint narrative:
In XX/XX/2018 I was having issues with my air conditioner and had XXXX XXXX out to fix the issue. The replaced a TXV valve and charged {$1100.00} which I paid promptly.

In XX/XX/XXXX I continued to have the same issues with the valve not reversing, so I called XXXX XXXX to see if the valve was under warranty. They told me they would come out to look. Giving me the impression that it was covered under warranty and making no mention of any cost.

They came out and said that they couldn't find an issue with the valve, and recommended I just get a new system, and gave me a quote for one. No fix was made to the system, and they left with no mention of cost and without having me sign for anything.

I later received an exorbitant bill for {$240.00} in labor. I attempted to call and dispute and ended up leaving a message with which I had no reply.

In summary, I paid {$1100.00} for an item that continued not to work, and they were unable to fix, and now they are attempting to charge again for not repairing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was a victim of ID fraud and theft and someone used my personal information to obtain a card from synchrony bank and my bank account was illegally debited in the amount of {$1800.00} I immediately filed a police report and filed a complaint with Synchrony Bank and after many years, they refunded me {$750.00}. I'm still owed {$1000.00} and I intend to recoup the money I'm out of. Synchrony Bank had no legal grounds or any authorization or consent from me to debit my checking account. This act of malfeasance and impropriety can not be ignored and tolerated. All I want is to be made financially whole and I will pursue legal action if necessary. Synchrony Bank has been most uncooperative in this most disturbing matter. Bank records don't lie and Synchrony Bank 's willing to issue me a partial refund demonstrates a consciousness of guilt and wrongdoing in the matter. My claim has substantial merit and legal basis and I'm respectfully requesting that you investigate the matter immediately.

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 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Dear CFPB, Please see the attached letter mailed to us by SunTrust. 

All the way back on XX/XX/2019 SunTrust 's XXXX XXXX was to provide our account with {$1800.00} in credit. It is now XX/XX/2019 and XXXX XXXX has not done so. In addition she has ignored all our requests for this to be addressed over the last month. 

In addition, during our multitude of calls to SunTrust concerning this case these last few months at least eight different SunTrust employees, including multiple supervisors, clearly stated that our case would be resolved by the deadline which was XX/XX/XXXX. However, when calling into SunTrust on XX/XX/XXXX the story was suddenly changed to the XXXX. Supposedly the staff member on the phone stated they would escalate the matter to XXXX XXXX as urgent to finally have our funds deposited the next day. However, XXXX XXXX has again ignored the matter and has not reached out to us. 

The evidence of the fraud we promptly provided SunTrust 's employe in regards to this case is clear and undeniable. There is no need of this behavior from XXXX XXXX towards us. 

We are a small family ran business, and this has caused us delays in buying much needed supplies as we lost our relationship with an important vendor after not being able to pay for an order XX/XX/XXXX for we had budgeted in the {$1800.00} XXXX XXXX who on behalf of SunTrust had stated would be in our account the XXXX of 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 monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
I purchased XXXX XXXX XXXX in XXXX of XXXX, first payment due XX/XX/XXXX. The loan I got was a fresh start loan after a bankruptcy that had not been finalized yet. My old car a XXXX XXXX transmission was going out. I got the loan at 18.45 % interest. I lost my job in XX/XX/XXXX and was a victim of XXXX XXXX and relocated to XXXX, KY in XX/XX/XXXX. I have been unable to find a job other than XXXX at XXXX per hour. I am XXXX XXXX XXXX. I have had problems with making that {$400.00} per month payment. In XXXX of XXXX I was diagnosed with severe XXXX of my XXXX and the XXXX XXXX recommended XXXX. I waited another year and worked in XXXX  XXXX  every day to try to keep this car payment up to date. I did get behind 3 months and worked hard approximately XXXX hours per week. In XXXX of XXXX I had to take a leave of absence the rtindoctor stated my XXXX was grinding XXXX to XXXX and I had to have XXXX to have a total right XXXX XXXX. I did have XXXX XX/XX/XXXX. I notified Consumer Portfolio Services that I needed XXXX and I would be off several weeks recuperating and that I would not be able to make my payments on time and did they have a hardship program. I was told no. When I bought the car I questioned the high rate of interest, the finance manager at XXXX XXXX in XXXX XXXX in Kentucky told me that I could get the car refinanced to lower my payments and interest in a couple of years. I believed this. So in XXXX I tried XXXX XXXX XXXX and was turned down since my loan to value was too high. My car then was valued at around XXXX and the loan pay off was still XXXX The car purchase loan amount was for XXXX. So after almost 2 years my balance had only gone down approximately XXXX. So I went back to XXXX XXXX in XXXX XXXX in XXXX of XXXX and asked them to please get me into a different car with lower payments. They told me they could not put me in a different car due to the same reason XXXX XXXX had denied me. So now that I am behind XXXX, XXXX, and XXXX payments they are threatening repossession. I know this may not help me with this situation but I hope others can be warned about XXXX XXXX in XXXX XXXX and their unfair lending practices and Consumer Porfolio Services out of XXXX California, my payments go to XXXX Arizona and the call about repossession came from XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX is stating that i visited the ER and are trying to charge me {$540.00} for a visit in 2014. I have not visited any ER in the last 13 years and have had medical insurance for the last 6-7 years. There is no way that i would have been charged for this visit any amount other than my copay if anything. But i did not visit any ER in the last 13 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I was denied financing for a different house with XXXX XXXX XXXX and a previous situation with Bank of America is the reason for denial. 

My previous house was foreclosed in XX/XX/XXXX and as part of a settlement, it does not show on my credit report, however it is an issue. 

Purchased this house in XX/XX/XXXX with my husband-at-the-time. In XX/XX/XXXX, we separated and our dissolution of marriage was XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX this house was put on the market to sell with no offers. 
XX/XX/XXXX Faxed documents to Bank of America Deed in Lieu Qualified for Deed in Lieu. Negotiator was to contact me by XX/XX/XXXX. 
XX/XX/XXXX Faxed documents to BOA Short Sale XXXX XXXX became BOA contact person XX/XX/XXXX XX/XX/XXXX XXXX told me that my DIL was accepted XX/XX/XXXX Now, my DIL was cancelled XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX BOA required me to vacate the premises by XX/XX/XXXX Moved into apartment XX/XX/XXXX XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX XX/XX/XXXX Deed in Lieu accepted XX/XX/XXXX DIL accepted and recorded XX/XX/XXXX XX/XX/XXXX Called BOA and was again told DIL was accepted XX/XX/XXXX No paperwork yet XX/XX/XXXX XXXX Now, we are in foreclosure XX/XX/XXXX Called BOA about DIL settlement paperwork. 
XX/XX/XXXX Declined for DIL because BOA was unable to contact borrowers Re-initiated DIL proceedings XX/XX/XXXX Still waiting on DIL paperwork XX/XX/XXXX Was told to wait for Approval to Participate letter. Call back next week XX/XX/XXXX Called to check status and was informed that XXXX XXXX was my new contact person XX/XX/XXXX Left message for XXXX XX/XX/XXXX Left message for XXXX XX/XX/XXXX Received a phone call from XXXX informing me that my DIL was not accepted and wanted me to put the house on the market again. 
When I asked why the DIL wasnt accepted, XXXX read because the house sat vacant for so long. 
XX/XX/XXXX Sent letter to BOA asking them to foreclose on property XX/XX/XXXX Received a summons from XXXX County because BOA had decided to sue us. 
XX/XX/XXXX Hired XXXX XXXX XXXX to represent us in court XX/XX/XXXX Foreclosure and Sheriffs sale entry by XXXX County Court XX/XX/XXXX Court filed Confirmation Entry of Sale and Distribution of Sale Proceeds

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
ON XX/XX/XXXX A Process Server, Came to my home. And hand delivered a ( Citation Debt Claim Case, ) From XXXX XXXX XXXX, XXXX It states that Im being sued by the State of Texas, XXXX COUNTRY THIS ACCOUNT HAS BEEN CLOSED NOW SINCE XX/XX/XXXX THEY ARE SUEING FOR {$820.00} AND THERE WAS A COURT DATE ALSO, THAT I WASN'T AWARE ON XX/XX/XXXX .THIS PETITION WAS FILED ON XX/XX/XXXX Just trying to understand why Im being harassed at my home by a debt Collector..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I closed my card 4 days after I was billed an annual fee. I called the credit card company to close my account. They refused to prorate or credit my portion of this fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX was included in bankruptcy which was discharged in 2015. Bankruptcy has since been removed from my report. However, XXXX XXXX XXXX shows that I owe a balance of {$200.00} and is 120+ days past due. Again, this was included in bankruptcy. I have since received the title to the car and sold the car. I have disputed this with Equifax at least 4 times. It will come off my report for a few months and then reappear. It needs to be permanently removed from all reporting. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: NY

Complaint narrative:
Last XXXX ( 2018 ), I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked by XXXX. However, Transunion is still refusing to include this account in my credit profile no matter what I do, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus accurately list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but is inexplicably refusing to incorporate it into my credit. This decision of theirs is arbitrary, nonsensical and harmful to my credit profile. I even reported them to CPPB a few months ago and they still haven't remedied the situation.

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
A representative from United Collection by the name of XXXX XXXX at XXXX extension XXXX called my elderly mother and father in law and told them I have a uncollected debt and they need to reach me. I have never listed this address or phone number as a contact and my correct address and phone number are public information and listed on my account. This was a violation of my privacy and had my elderly in-laws very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Source Receivables Management LLC
State: NY

Complaint narrative:
I paid Source Receivables Management {$250.00} on XX/XX/2019 for an outstanding XXXX Bill and I was told that it would be deleted off of my account. My credit report reflects as paid but is still being shown on my account as an account with a negative pay status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I never gave my permission for Ace Cash Express to run a hard inquiry on my credit report. 4 times in 2 months when applying for credit. I have taken numerous loans out through them and they haven't pulled a hard inquiry every time. There are numerous complaints about this online and it was stated : For anyone who got hit with a hard inquiry without consent I suggest contacting the CFSA, the CFPB, lodging a complaint with The Fair Credit Reporting Act under 15 U.S.C. 1681. 

Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018 Finance Ace Cash Exp Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
First for a couple of months Victoria Secret kept changing their terms and my husband had the same card, but wasnt experiencing the same issue. After long thought out decisions I decided to cancel the card and advised the creditor I would pay the balance in full in a month or so. Im currently unemployed and not receiving any benefits. Comenity Bank every single day, including Sunday is calling my house, my cell several times a day, they leave no message whatsoever. I think this is extremely abusive, no sooner than they call my house phone, then they are calling my cell phone. Doesnt the law require them to leave a message with a call back number. Also, I dont appreciate a representative going through how much I owe and then asking me how I would like to take care of this today, they are assuming that just because they spoke to me I have the money and Im going to be making a payment right then and there. I especially dont appreciate this creditor calling me on a Sunday and the majority that are calling are either from XXXX or the XXXX and many times dont understand or even care about the details they are giving you, the only thing they concentrate on is that they are going to get a payment from you. After working in the banking industry and knowing about the fraud that goes on in these countries Im not confident in giving them any of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019, I reached out for assistance, to. No avail. 

Its very difficult working with them. It has dropped 100 point of my credit report. 

I reached out in XXXX, XXXX, and XXXX. I continue to make 30 payments every month. And its reporting late on my credit. I am the co- burrower, not the primary burrower. The primary person is not working. 


Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a co-signer for my granddaughters student loans. All loans have been with Wells Fargo. This year we again applied for her final year loan of {$8000.00}. I am a preferred customer of Wells Fargo, I have substantial monies on deposit with Wells Fargo. I have no debt and own two homes. Wells Fargo 's student loans are not required to be paid until after the student graduates. This is a " perk '' advertised by Wells Fargo. 
In previous years I was provided discounts based upon my preferred customer status and high credit scores. This year we were initially quoted a loan in excess of 10 %. In previous years our loans have been in the 4-5 % range. When questioned Wells Fargo stated it was because of my credit score and my granddaughter 's credit score. This was quite a shock because neither myself or my granddaughter had any new financial transactions except this years student loan. Wells Fargo always uses XXXX  as the reporting company for their loans. This is done because XXXX is always 40-50 points lower than the other two reporting companies. I believe there is a relationship between Wells Fargo and XXXX to produce lower credit scores so that Wells Fargo can charge higher interest rates. Wells Fargo always orders a credit score from XXXX. XXXX lowers the credit score because of Wells Fargo 's inquiry and then Wells Fargo uses the lower score to justify a higher interest rate. Wells Fargo and XXXX  does this even though Wells Fargo 's student loans are not required to be paid until after the student graduates. The borrower is penalized because no money has been paid on the student loans even though no money was required to be paid. Neither myself or my granddaughter had any " negative '' changes during the past year to our credit other than the student loan with Wells Fargo. After complaining our student loan was reduced to 6.24 %. However, when we were provided the papers to sign the loan was shown at 7.24 %. After complaining about the increase the loan papers reflected the 6.24 as promised. Wells Fargo manipulates the credit score to get a higher interest rate. The student loan rates is not reflective of the possibility of default. In our case it does not reflect a co signer, no debt other than Wells Fargo student loans, which are not in default or required to be paid until graduation, the borrowers inability to get relief from the debt by bankruptcy, or the rate Wells Fargo is charged to borrow money from the Fed. The credit score is fictitious because no credit reporting company will disclose how they take a persons credit information and come up with the individual credit score that is assigned. A person with no debt and significant assets will receive a lower score than a person with significant debt and no assets.

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