vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to you because I could get no response or resolution with Synchrony/Pep boys card. For over a year or more, I have been overcharged in interest rates where my monthly payments have been over {$350.00}. I received a letter in the mail from Synchrony dated XXXX/XXXX apologizing about the errors in the amount of interest rates I was charged and that it had been corrected. I then received another letter from Synchrony dated XX/XX/XXXX that my interest rate went down to 21.98 when I was being charged 29 %. The low interest rate lasted for only XXXX month where I was charged {$280.00}, which was due on XX/XX/XXXX. There after I continued to be charged over {$350.00}. I then received my statement for XXXX, where I found a purchase for {$670.00}, I did not make and my credit card account was over the limit. I have never missed a payment and never had an over the limit statement with this account. I called Synchrony and wrote to them regarding this issue. The CSR I spoke with on the phone stated that my account would be credit. I checked my emails on the pep boys site under my account where I found a response from the email, I sent them. The email received embodied a dispute form they stated needed to be completed and faxed for investigation. I completed and faxed it back on XX/XX/XXXX and have called to follow up on the status several times. I was told it would take a couple of weeks. Here we are in XX/XX/XXXX and I still have heard nothing, verbally, through email or mail. I have continued to make monthly payments, although my account still comes up over the limit every month. My credit report has been ruined, and the {$670.00} purchase has still not yet been removed. I sent an email to Synchrony to close the card yesterday XX/XX/XXXX out of frustration because I have not received attention on this matter. I feel that I have been disrespected and taken advantage of.

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
Early month of XXXX, we stepped in the market to refinance our rental property. An offer from Amerisave of 2.7 % Interest rate, 15 Years term, got us interested. On XX/XX/2020 we decided to move forward with Amerisave and formally applied through https : //apply.amerisave.com/login with the assistance of an Amerisave Loan Originator. We complied and submitted to Amerisave all request for meeting, documents and informations. Eventually, at the end of intake, as I reviewed the Loan Estimate and Disclosure, they maid us paid the Appraisal Cost of XXXX XXXX which they said will be returned/creditted back upon closing. 

We received another copy of Disclosure and Loan Estimate on XX/XX/XXXX, same information with the initial Disclosure on XX/XX/XXXX. They also made as signed the rate Lock-In Agreement, which is to protect Applicants for any changes in the market. 

On XX/XX/2020, we received another Disclosure with totally different numbers. The interest rate has gone up to 3.25 %, and so as the loan amount from {$120000.00} to {$120000.00}. Everything gone up. They provided us reasons for the change. One is that the type of property is a condo and, not a townhouse. 

I sent out a letter to Amerisave Loan Originator regarding our concern and request. We hoped to update the loan estimate and, eventually, lower the loan amount, but failed to get a satisfactory response, instead, we were asked to either move on or cancel our application. We decided to cancel. 

We believe and feel, that we have been a victim of Bait and Switch. We could have avoided the cost of Appraisal paid to them, if Amerisave reviewed our applications and disclosure properly. This is unfair to us. After we cancelled, I sent an email to Loan Originator, formally cancelling our application and requested a refund of {$470.00} for the cost of Appraisal. We cited our reasons in the letter.. Likewise, a copy of Letter was uploaded to our online application account on XX/XX/2020. Also emailed XXXX of our concern/complain, and attached a copy of cancellation letter and refund request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX reported a collection to personal credit report last month .... Prior to that there was no notice of collection, letter, call or inquiry on this debt they claim is owed to them. Request for validation of debt came back with a simple print out stating that 24k+ was owed to them from the loan originated in CA back in 2017 at 29.66 % ... It is a known fact that CA statutory limit on personal loans is 10 % .... isn't this a usury? After disputing the accuracy of this account with the buraus XXXX XXXX groups responded with " full validation and confirmation of total accuracy of this account '' to all 3 CRAs However, could not produce signed contract, proof of origination, proof of any payments made on this loan in the past and no proof of personal identification that would prove they have the right person on this collections and who the original creditor/lender was besides the fact that this is originated in the state of CA ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a call from fraud investigator about somebody trying to borrow {$40000.00} in my name. He gave my SS #, DOB, and Drivers license number. I requested a copy off the license and he sent it to me via e mail. It is a fake with wrong expiration date and a younger man picture. I had received a couple of Banks letters declining my loan application but I had not made any so I ignored them. I contacted Experian and asked for a security freeze. There I found several requests for loans that I had not authorized or made.

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 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MIDFIRST BANK
State: PA

Complaint narrative:
In XXXX I took out a mortgage with midland mortgage. In XXXX I got divorced, I gave the house to my ex wife. I had an attorney draw up property settlement agreement giving my ex wife the property. I shortly after that filled out and notarized the mortgage assumption paperwork Midland Mortgage sent me. I have been told several times by midland mortgage I am no longer on the mortgage and do not have any rights to information pertaining to the mortgage. My ex wife has modified the mortgage two times in the last 9 years. Both times in her name only. However Midland Mortgage stated that they have not released me from liability on this mortgage. Its very confusing because if Im not on the mortgage and she can change and modify this mortgage without my consent however it still reports to my credit. Please help me understand why she assumed the mortgage however I am still responsible? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NJ

Complaint narrative:
This Company they did not have a complete of information of this debit, They have only my Name last digit social security and my original address, but they did not have a other info about the debt.The same debit was deleted previously from my credit report, from one other company that thy cant verified all the necessary information. Harvard Collection Service located on XXXX Il they are rude people they call me and the operator threat on me that the sheriff dept is on there way to arrest me if i do not pay over the phone, I contact my local police department to file a claim against of those threats

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
We furnished a house from Ashleys on the XXXX of XX/XX/2019, a living room, dining room, and 2 bedroom sets. When we started receiving the stuff everything that was delivered was defective and damaged, the drivers would note the damage and we would contact customer service to discuss the issue, when they redelivered the furnisher it was always damaged, they gave us damaged furniture up to 4 times. We tried contacting customer service a second time, they arranged a second delivery to replace the damaged items, they gave us more defective and damaged furniture for our living room and bedrooms. We tried to contact the managers to solve the problem, but its a corporate store with the same managers, for some reason they were not willing to work with us, we bought brand new furniture but they treated it like it was used by sending people over to fix it. Everything except the bedrooms was delivered damaged, we called the manager again 3 days after we received the stuff to return it, it states on the TOS that you can return items up to 7 days after the delivery, they ignored the request. After this we contacted the credit card company, which is affiliated with Ashleys and we attempted to dispute the charges. It took Synchrony Bank 60 days to respond, the dispute came back declined even after we told them theyre furniture is in the garage unused and ready to be picked up. 
synchrony bank P.O. Box XXXX Florida XXXX 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 2020-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Account/Product Type : Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXXCountry : United StatesEmail Address : XXXXPhone Number : XXXXInstitution Information : Complaint At 1st loan consultant XXXX XXXX NMLSR ID XXXX says all looks fine by 1st week of XXXX and said lets proceed with the applications, after he checks the DTI he runs my credit. since iam very sensitive about my credit, i always have the consultant make sure that number works and them allow to have my credit pulled. so beginning of XXXX before covid-19 hit newjersey, the application process was started. after multiple follow up, XXXX calls me end XXXX and says all the XXXX about market and says wellsfargo has stopped looking into the applications because of what going COVID-19 situation. which i think is totally unjustified when the applicant has good score/ good income / good rental income/ good equity in the collateral then Ms XXXX XXXX , NMLSR XXXX calls me another day and gives me XXXX about very less equity in the collateral without even doing an appraisal. then i get a call from executive office telling me that wells Fargo has guild lines that when some one owns more than x number of properties will not be considered, he even tells me that the consultant is not suppose to let the client know about the guild lines and do not discourage the client from applying this was the worst answer i ever got from any lender in my past 15 years of working with loans wells fargo again is misleading clients and this practice of not letting the client know about the guild-lines is not acceptable

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 2020-04-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE, THE PREVIOUS REPORT FILED WAS INCOMPLETE. 
PayPal Credit is reporting to the credit bureaus 6 months of late payments and each of these months the payment amount has been withdrawn from my checking accounts. Due to a medical emergency, I was placed on a hardship program lowering my monthly payment to {$36.00} a month. Each month I have received emails from PayPal claiming my payments have been rejected. I have spoken with several representatives who all say they can not explain why the payments had been returned or how I can fix this issue. 
I have paid my bill each month, successfully and accumulated {$290.00} in returned check fees and {$180.00} in late fees. I am including bank statements showing the payments deducted from my accounts, PayPal statements showing the hardship program and additional information relevant to this situation. In XXXX I spoke with a representative who confirmed the late payments are incorrect and was expediting my case to have a letter sent to the credit agencies. I have requested PayPal send me all transaction statements from XXXX, XXXX and XXXX, but they have not complied. As of one hour ago, I received an email from PayPal notifying me that a payment I made early this month was been returned. and I am being charged an additional {$27.00}.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
CoVid19 is affecting whole world specific EEUU. Federal reserve already reduce interest to 0-0.25 %. However banks didnot applied those reduction to the already hurt customer. I call several of my credit card company anyone provide a legal or reasonable explanation of these inconvenience. Bank should be able to reduce the interest charge to the cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I contacted Equifax and XXXX after receiving a credit monitoring alert that a hard inquiry had been pulled from my credit report. XXXX concurred that it was a fraud and advised that the sent request for Equifax to remove hard inquiry. Equifax seemed unwilling to help and was provided the worst customer service possible. They said that the responsibility to remove the inquiry was of XXXX. I have a letter from XXXX stated that the they requested the removal of the inquiry yet it has not been removed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: SC

Complaint narrative:
The company did not verify the charges as they stated. The company had not provided any contracts that have any signatures. Further the only information the company had provided me had the incorrect name and incorrect date of birth. I know of nothing that supports this companys allegations. This company continues to illegally report on my credit for an alleged debt not a verified debt as they do continuing to write defamatory statements on my credit regarding allegations and not facts. THIS COMPANY HAD NOT ADHERED TO FCRA 609 AS DEMANDED NUMEROUS TIMES.I state for the record I know of knowing that supports their allegations of this unverified account. REMOVE ILLEGAL FALSE/INACCURATE CREDIT REPORTING AND OR DEFAMATORY STATEMENTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I currently have a 3 year lease with Kia Finance Company, due to the international pandemic occurring due to COVID-19, my husband was laid off of work. We are currently supporting ourselves and our child on one income as we await unemployment benefits for my husband. I called Kia to request an extension on my monthly payments and explained the situation. The representative informed me they are only offering assistance to the person holding the lease if they fully lost their job and will not lower my payment or provide me with an extension to pay. I requested to speak to a manager who was not available to speak with and was told I would receive a call back which at this time I have not received yet.

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 2020-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
Over the last 2 years I have paid my minimum payment via the Pay as You Earn program, with my current student loan service provider. On months where I am able, I make additional payments above the minimum amount due, in effort to payoff my loan quicker. 

For the last 6 months I have seen that the additional payments I made have only been applied toward the interest balance, and nothing toward to the principal balance. I am not clear as to why any additional payments made above the minimum amount due would not be applied toward the principal balance. Also it does not appear that any portion of the minimum payment is being applied to any portion of the principal balance. 

I first tried to reach the service provider via email on XX/XX/2020 via their online portal with no response. I made a call to the service provider on XX/XX/2020, and spoke to someone who explained it is their policy to apply all payments toward the interest, and that I could not apply any payment toward the principal balance, until the interest is paid off. What was not made clear is how the principal goes down, if all I am doing is paying interest, which keeps getting added on monthly. 

The provider could not explain the policy or how this works, nor how I would ever be able to payoff my loan. I tired to equate my situation to auto loans and home mortgages that are paid ahead, where additional payments can be applied to the principal balance of the loan, so they can be paid off faster. The service provider could not explain and continued to say that all payments are applied to the pending interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for $ 30 monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.

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