vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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: Avant Credit Corporation
State: AZ

Complaint narrative:
I had an account with Avant that they sold in 2016. They are still reporting that the loan is 120days past due. They do not have any business with me right now. The loan shows a {$0.00} balance but they are reporting it as 120 days old. I have tried to contact them and the credit bureaus but they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2018, my account at Synchrony Bank was taken over by someone calling Synchrony Bank Customer Service by telephone. Because the telephone number the person called from did not match the number of record, the person was challenged to give my mother 's maiden name for identification. After the person gave the correct response, Synchrony Bank Customer Service allowed the person to change my mailing address and my mother 's maiden name. The person then proceeded to charge {$8600.00} in fraudulent charges at a California music store. 

On XX/XX/2018, I received a fraud alert from Synchrony Bank. When I called the Synchrony Bank Fraud Department, my identity could not be verified because I was told my mother 's maiden name was incorrect. As a result, it took several days for Synchrony to recognize me as the victim of fraud and take action.

Ultimately all issues regarding the account takeover and fraudulent charges were resolved except one : the use of my mother 's maiden name for account security. I alerted Synchrony to the fact that it is relatively easy to find someone's mother 's maiden name in this age of online ancestral records and that the exact same thing can happen again as long as Synchrony solely uses mother 's maiden name for identication.

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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Select Port Folio sent me the Assumption and Modification Agreement for me to sign. The mortgage is payment is fixed for 75 months and then the balance of the mortgage has to be paid in full. I need a fixed mortgage payment for the term of the loan. This mortgage payment is setting me up to lose my home. The escrows are incorrect because I have my own Homeowner insurance and the mortgage company has put forced placed insurance n the house please fix my escrow account so my mortgage payment will be correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I contacted company, agreed to pay with deletion, company agreed to accept payment with deletion, however, account is still reflected on all three credit reporting agencies. The amount agreed was paid in full, but no deletion occurred.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on 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 2018-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit did not resolved my complaint about unauthorized charges on my account : 1 ) Unauthorized and unacceptable fees charged to my card by Care Credit Affiliate, " XXXX XXXX  '' ever since I agreed with the dentist to get a 12 months free interest with this company.

2 ) Unauthorized and unacceptable charges made on my accounts on three occasions, XX/XX/XXXX amount of {$450.00} was Charged by XXXX XXXX XXXX  which was not mine and I never authorized or received a service from the XXXX..

XX/XX/XXXX amount of {$1200.00} was charged by XXXX XXXX XXXX XXXX which was not mine and I never authorized or accepted any charges and in fact I never even met XXXX XXXX XXXX  
XX/XX/XXXX amount {$1000.00} was charged by XXXX XXXX XXXX which was never authorized or accepted by me and I never received any services. All these charges have been disputed for almost a year and many phone calls and letters to Care Credit have not resulted a fair outcome. Furthermore I have been charged a late fee charge every month because I am disputing these charges and fees and I don't believe I should pay bills which are not mine.

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 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2018 I started getting phone calls from numbers I did not know, mentioning XXXX  XXXX and " actions '' they would have to take if I didn't call them back. I did not answer because I thought they were scam phone calls. 

In XX/XX/XXXX I was notified that my credit score had gone down, so I checked it, and saw a delinquent account on it. The account shows up as : XXXX/XXXX  # : XXXX XXXX XXXX XXXX XXXX , OH XXXX It appears to have been opened XX/XX/2018 and now has an unpaid balance of {$730.00}. 

I filed an investigation with XXXX XXXX, and they completed the investigation but the results were " VERIFIED AS ACCURATE AND UPDATED. '' I did not open this account and I need it to stop ruining my credit score - which used to be pretty good. I've never had a late payment or delinquent account so this stands out as pretty suspicious on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.

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 2018-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, two friends of mine received a call from Navient, the company currently managing my school loans. They ( Navient ) should not be contacting my friends or anyone regarding the status of my loans, especially since I am up to date with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. 

I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. 

Please have them stop, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
XXXX XXXX ( or XXXX  ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX refuses to tell me how they are coming up with my loan forgiveness date. They always say they will get back to me. I have tried calling, letters, and a prior complaint to CFPB in which they responded on XX/XX/17 saying that they would get to me. This is over a XXXX later and they still have not gotten back to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: GA

Complaint narrative:
I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, XXXX and Experian did not. I sent a copy of the XXXX report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to XXXX and Experian the BK Court in XXXX  verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't XXXX  and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, 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 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.

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 2018-12-11 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
On XX/XX/2018, I was informed that Suntrust reported to all three credit bureaus that I was 30 days late on my car payment in XXXX. I have never been late on my car payment with Suntrust in 5 years. My last payment to Suntrust was in XXXX where I made two payments. One was my regular payment and the second payment  was a payoff. It was reported on my credit reports that I paid " on time '' every month for 4 years and 11 months. But in XXXX, when I made 2 payments, and paid my car off, Suntrust reported me as being 30 days late. The month before ( XXXX ) is reported on time, but the month after, which is the last month of my payment was reported 30 days late. This is impossible. I've never received any notices about being 30 days late because I've never been 30 days late. I've only received a Congratulations Letter, You have paid off your car loan with Suntrust. '' Suntrust 's error has negatively impacted my credit score by 46 points and I have worked extremely hard to maintain good credit. This is not my first occurrence with Suntrust 's banking error. Suntrust added a car loan belonging to someone else in the amount of {$30000.00} to my existing loan with them. It wasn't until I went online to pay my car note, that I noticed it. It took several months and hours on the phone with Suntrust trying to resolve this error. Just last month, I received letters from Suntrust saying that they were repossessing my car when my car was paid off! I also received notices from the US Postal service stating that this was their final request for action. I an now experiencing yet another one of Suntrust 's errors! I am currently dealing with death in my family, and this is added stress. This is poor customer service and substandard customer care. Is this how valued customers are valued? The victimization by Suntrust has to stop.

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 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: GA

Complaint narrative:
on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a loan with XXXX XXXX XXXX, car got repossessed, but now XXXX sold debt to a company called XXXX XXXX, but XXXX  is reporting a balance of XXXX and they sold the debt to XXXX XXXX   and it shows I owe them {$15000.00} open date XX/XX/2018 so I dont understand how I can have 2 bad items for one charge off repo, I want XXXX to fix this or I want XXXX XXXX to remove collection from experian and XXXX and 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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
PREDATORY LENDING VIOLATION TO THE ELDERLY VIA TELEMARKETING. CT HAS A PREDATORY LENDING LAW THAT WAS TOTALLY IGNORED BY THE  TELEMARKETERS : XXXX XXXX & XXXX XXXX. I KEEP ASKING WELLS FARGO FOR THE TRANSCRIPT FROM THE TELEMARKETERS 7 MANY, MANY OTHER QUESTIONS THAT THEY REFUSE TO ANSWER. MY PARENTS HOME WAS QUIT CLAIMED TO ME & IS WHERE I RESIDE AND HAVE RESIDED OFF & ON SINCE 1957. IN CT WHEN PEOPLE MY PARENT 'S AGE APPLY FOR A REVERSE MTG. THE REVERSE CO. WILL NOT COMPLY UNLESS AN ATTY REPRESENT THE BORROWERS. THEY UNDERSTAND THE CONSEQUENCES OF TRYING TO SCAM THE ELDERLY. WHY DIDN'T XXXX A.K.A. WELLS FARGO OFFER MY PARENTS AN ATTY? LOOKING AT MY MOTHERS ' SIGNATURE IT IS WEAK & XXXX A SIGN OF XXXX. MY FATHER PRINTED HIS NAME WHERE IT STATES TO SIGN & SIGN WHERE IT STATES TO PRINT. XXXX A.K.A. WELLS FARGO TOOK ADVANTAGE OF A CONFUSED ELDERLY COUPLE & THAT IS A VIOLATION OF CT PREDATORY LENDING.

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 2018-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/18 I opened a Capital One 360 account using the promo code XXXX. The terms and conditions clearly stated that in order to be eligible you would have to deposit at least {$50000.00} into your account. There are no terms outlining a requirement of a {$50000.00} balance or a single deposit totaling {$50000.00}. The terms and conditions of the offer can be found at : https : //www.capitalone.com/savings500/. 


Between XX/XX/XXXX and XX/XX/XXXX, I made deposits of {$11000.00}, {$15000.00}, {$15000.00}, {$10000.00}, and {$1100.00}. These deposits totaled {$52000.00}. 


On XX/XX/XXXX, I reached out with a representative via Capital One 's online chat service. He assured me that I did meet the qualifications of the bonus, and that it would post 60 days from XX/XX/XXXX, which would be XX/XX/XXXX. I have attached the transcript of that conversation. 


On XX/XX/XXXX, I reached out to Capital One 's customer service telephone line to check on the status of my bonus. On my phone call, I was told that they could not honor the bonus. I politely asked to escalate the call to a manager. The manager once again told me that she could not post the bonus. I read the terms to the manager from their website, and she acknowledged that the terms and conditions did not state a requirement for a {$50000.00} total balance. She said that their marketing team had since updated the terms for future offers. She said that while it was not in the terms and conditions, it was " The spirit of the offer '' to only post to accounts holding total balances of {$50000.00} I politely explained to her what the representative told me in XXXX about the account being eligible. She then put me on a brief hold, and offered to post a {$100.00} bonus. I politely refused, and hung up. I believe Capital One knows that they did not put this stipulation in their terms and conditions, and is know refusing to post the promised bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 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 am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.

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