vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for the XXXX XXXX card. The promotion clearly states before applying for the card ( instant XXXX dollar gift card upon approval ). I only received a XXXX dollar gift card. XXXX is denying that XXXX dollars. I called XXXX XXXX the issuer of the card and they stated it indeed is a XXXX dollar gift card but XXXX has to issue it. Ive spent over 6 hours on the phone with out a resolution.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, we received a letter from Specialized Loan Servicing, hereinafter referred to as SLS, that they were taking over the mortgage servicing of our consumer credit transaction. At the time we received that letter, our consumer credit transaction ( debt obligation ) was in default and contractually due for the XX/XX/XXXX payment. At that time, SLS did not have a legal and valid assignment to it prior to attempting to collect on our debt obligation in violation of California Fair Debt Collection Practices Act, hereinafter referred to as the Rosenthal Act, California Code of Civil Procedure, section 1788.13 ( l ). The chain of title leading up to who SLS says is the beneficiary of our debt obligation is flawed and void. We adamantly dispute the assignments that have been recorded in the county recorder 's office. Unaware of SLS violations under the Rosenthal Act at that time, we made attempts to secure a suitable loan modification agreement and we resumed making payments. After years of trying to secure a suitable permanent loan modification agreement, SLS denied us and we once again stopped making payments in XX/XX/XXXX. We have been recently made aware that SLS is not our creditor nor are they representing an entity that is our creditor. SLS is attempting to collect on a debt without the legal right or ability to do so in violation of the Rosenthal Act, California Civil Code section 1788.17. In their illegal collection attempts, SLS has filed a Notice of Default and a Notice of Trustee 's Sale due to non-payment on the debt obligation. The filing of these foreclosure documents are in itself a violation of the Rosenthal Act, California Civil Code section 1788.13 ( j ). SLS has misrepresented to us the status of the debt, the ownership of the debt, the amount of the debt, they are attempting to collect illegal fees and costs not authorized by the law or the contract, they have misrepresented amounts owed to the escrow account, they have assessed illegal foreclosure fees, and they have repeatedly threatened to foreclose on our property if payment is not made. Only creditors and/or their authorized agents may commence and complete a foreclosure in California. These are all violations under the Rosenthal Act, California Civil Code section 1788.13 and 1788.17. We have taken this matter up with the judicial system, however, Defendants are trying to disregard this matter judicially and so far they are getting away with it. We are filing this complaint in an effort to use all resources available to us as we continue the matter in the judicial system. SLS is blatantly disregarding federal and state laws and they should be held accountable for their actions. Their conduct is unlawful, unfair and deceptive.

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 2018-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
Dear CFPB, I entered into a VA Home loan on XX/XX/XXXX with Guaranteed Rates. I knew that with the VA Loan there wasn't suppose to be any PMI.I had a couple of house that fell through due to cash deals or issue unresolved with the home inspection. The House I bought was done so sight unseen as I was in a crunch to move down from XXXX to XXXX. 

During the closing at XXXX  XXXX in XXXX XXXX the paper showed a PMI and Escrow. I mentioned that to the Title company and they gave me a song and dance so I called XXXX XXXX at Guaranteed Rates and he to gave me a song and dance about it had to be on there because of the value of the house. 

I signed the paperwork and then continued to question them on why it was on there when every I spoke to at Banks said it should be on there because its VA Home Loan and the PMI isn't suppose to be on there. 

Well the end of XXXX I received a letter from them saying that XXXX XXXX XXXXXXXX who was the presenter servicer of the mortgage had sold my loan to XXXX XXXX XXXX. I wasn't aware and had never been informed that mortgage wasn't serviced by Guaranteed Rates. 

I've now reached out to my new mortgage company only to find out that XXXX XXXX XXXX isn't handling the mortgage and its actually XXXXXXXX XXXX   that is handling my account. 

The letter from Guaranteed Rates stated not to pay them as the mortgage would be taken over by XXXX XXXX. I have yet to receive any paperwork about my account from XXXX XXXX. I XXXX XXXX on XX/XX/2018 to make arrangements to pay them but they couldn't help since they didn't have my paperwork. I was told by XXXX XXXX at the PA HQ that he would call me back on the XXXX but I have yet to hear from him. 

So I called and spoke to a guy named XXXX who informed me that my information was received on the XXXX and that it was due. He then proceeded to tell me that they are a debt collector. 

The reviews online show a history of predator practices so I need to know what steps or actions can I take to protect myself with this new company and to file a complaint against Guaranteed Rates for collect the PMI ( Which I have felt they were skimming money from ) and their lack of transparency about who the money from my payment was actually going to. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with XXXX and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an old address in my report. I moved out from this address since 2008. The address still appears in my report for over ten years at this point.

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 2018-09-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is repeatedly harassing my father, my sister, other family members, as well as myself, by calling multiple times a day in reference to my student loans. I have asked them to leave my family alone in the past and they refuse to do so. I asked them to take the cosigner off my loan and they won't do that either. I lost my job in XXXX and don't have the money to give them until I find a new job. My father is a Veteran and a retired XXXX year old man, who doesn't have any money to give them either, yet they still harass him every day! I want it to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. 

On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. 

In addition to this I see an additional entry on my credit file for this same debt. 

This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. 

This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. 

Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. 

Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. 



Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. 



To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. 

Once again this is against the law. 

I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. 

I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. 

Please see attached that has already been sent further asking for verification, which to this date has been unanswered. 


Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: GA

Complaint narrative:
One of my friends told me about a company, Premier Student Loan Center, that completes your student loan forgiveness documentations for you. I contacted them about their service on XX/XX/2018. I was told that the company was a document preparation company and that is why I had to pay for the service to be done. On XX/XX/2018, I paid the first installment of {$190.00}. I paid the same amount on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, I was charged an automatic payment of {$190.00}. On XX/XX/XXXX, I was charged {$40.00} for the Income Driven Loan Forgiveness that I was told that I was signed up for. All in all, I have paid {$1100.00} towards my installment for the program and {$40.00} to the program that was supposed to be for my student loans.The red flag that made me question their services was when I checked directly with the XXXX XXXX XXXX XXXX as to why my payments to them were {$0.00} yet I was paying {$40.00} towards my loans. The representative said that the company was most likely a scam and they falsify documents so that my monthly payments are {$0.00} yet I am paying them and making it seem as though it is going towards my loans when it isn't. The representative said I could be penalized individually and possibly receive jail time or not have my loans forgiven period as a result of dealing with this company. They lied about my personal information for lower payments saying that I have 5 children, I am divorced, receiving government assistance, etc. I have no children. I have never been married. I do not receive any form of government assistance. They lied so that my documents would seem as though I could not afford any monthly payments. The paperwork that I signed with them initially stated that they would provide complete and truthful information which was a lie. They also stated that they have a limited money back guarantee being that I can get my money back since the documents were inaccurate. As of today, XX/XX/2018, I am calling my bank so that they revoke authorization of further monthly payments and working to get my money back. I have already applied for the forgiveness program the correct way with accurate information and I am waiting to be contacted by them. I just don't want anyone else to get caught up by this company that is once again called Premier Student Loan Center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had a hospital stay, and even though I have insouciance, bills just poored in. I contacted every one of those companies and made arrangements to get debt paid. Even financed the big bill for {$2400.00} to the hospial that I am paying down. 

In XXXX I was contacted by Transworld systems. They were representing XXXX XXXX and stated I owed {$290.00}. I did not remember that group but I said Ok lets make arrangements, {$50.00} every 2 weeks until it is paid down. 

I just got a credit report update and this is on my report as delinquent. I let them know I have done exaclty what we agreed on and I would like them to remove as I figured it was an oversight. They stated they can not as it is delinquent. I want it off ASAP. 

I am paying the next {$50.00} tomorrow and the last {$50.00} in 2 weeks. I would like this off my report before last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: DISCOVER BANK
State: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, XXXX  and XXXX consumer reporting agencies, I learned that Discover Financial Services was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Avant Credit Corporation
State: OH

Complaint narrative:
I went online to check my credit with XXXX XXXX, and i found out my number. and for the last 10 years someone has had my social security mumber and it caused my credit to go down the drain. then after i was done with the site for XXXX XXXX, there was this application for a credit card, so i automatically figured it was associated with XXXX XXXX, and just for the XXXX  of it filled it out and just see if i would be accepted. this took place first thing yesterday in the morning on XX/XX/XXXX, later the very next day, not even 24 hrs later, there was {$10000.00} dollars into my checking account!! i phoned this company and told them i did not agree to this loan, and they told me yes i did and i told them again, no i did not and i do not want this money how do i send it back, also, it was still in the pending process.which meant it didnt go through yet and my bank couldnt get involved because it, s a civil maters, then once again " AVENT Credit : '' told me, '' yes you did sign this agreement, and i explained to them, i do not want this money dont let it go thru, all i wanted was to just see out of curiosity if i applied if i was now eligible!! because after struggling to repair my credit the last 10 years!! they told me no i can not, i could but it would cost me {$480.00} something dollars for having to reprocesses the transaction. i told them i was calling the federal trade commission on them cause their a scam company, they put money into people 's accounts and then charge {$480.00} to each person when they dont want it and report me to a debt collection company, iam XXXX years old and do not have any extra money or even close to that amount and it will make my credit so bad again and i do not want their money!! i just want to give it back and because it was still in the process department what was the big problem! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they seem to be sonmehow connected to XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: Experian Information Solutions Inc.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX  via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. EXPERIAN responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

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 2018-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Following a recent review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I learned that XXXX XXXX XXXX was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Following a recent review of my credit report at the XXXX, XXXX and XXXX consumer reporting agencies, I learned that American Express ( account number XXXX ) was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted.

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XX/XX/2008, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FM

Complaint narrative:
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, XXXX  and Transunion via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX  responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.

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