vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I was approved for a LOWE 'S credit card in XX/XX/XXXX/XX/XX/XXXX. I filed a CHAPTER XXXX to avoid a foreclosure on my grandparent 's home. No debts were discharged. Within days the bankruptcy was dismissed and has since been removed from my 3 credit reports. <P/>I have tried to get a Lowe 's card and was denied. I was told that the last account was closed due to the Chapter XXXX. The card had a very low limit of {$300.00}, therefore, my purchasing power was limited. I spoke with a Representative last night & he suggested that I START OVER. Now my score is too low as I was out of work for 23 months, however, I have now been employed since XX/XX/XXXX. I do not know the card number but they were able to access it by my social security number and my address on file.

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 2017-06-28 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: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
Robert Colclough, III attorney has obtained a judgment in  XX/XX/XXXX  ( that I was never served a summons for, nor did I get any kind of communication that I was being sued ) for a credit card debt that was charged off in  XX/XX/XXXX . He recently obtained an earnings withholding order to garnish my wages. My issue is that according to the statute of limitations in California, he should n't have been able to obtain the judgment, secondly I sent him a letter last  XX/XX/XXXX  stating I wanted the original creditor 's signed agreement with me, all charges obtained with that credit card, and  a breakdown of the total amounts due. He neglected to provide any of those things that by law I am entitled to. According to the Fair Debt Collection Practices my rights have been violated and I want recourse. I am pursuing ever y legal avenue ava ilable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
on yearXX/XX/XXXX or XX/XX/XXXX I was a client of Wells Fargo I had a debit card that I overdrawn and never paid back I also never closed the account. OnXX/XX/XXXXwhen I had a stable job I decided to start applying for credit cards to build up my credit, I downloaded an app called XXXX XXXX and I got a big surprise I had horrible credit,a big debt of XXXX from XXXX XXXX XXXX I called and they told me it was an account from Wells Fargo and I agreed to pay XXXX a month to pay off the balance because I thought this was the debt from my overdrawn account, I paid XXXX dollars a month for about 6 months until I went to Wells Fargo to see if I could get a second opportunity checking account since I was "supposedly" paying off the debt on my old checking account, and then another big surprise for me, the personal banker told me I owed XXXX from my checking account and that no payments where made to my account I got out of the bank and called XXXX and they told me the debt was about a credit card. I told them that I wanted to stop making payments to the balance since I never requested, authorized or open the account, I made a fraudulent activity the XXXX  and I really want this out of my credit because it is really affecting 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 explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: CT

Complaint narrative:
Loan account opened in XX/XX/XXXX, but account was posted after my 4 years of school in XX/XX/XXXX. I have exhausted just about all avenues to have the missed payment marks removed from my credit. I at the time XX/XX/XXXX called up my loan provider and ask that the loan be placed into deferment, however i am assuming that it never was. I some months later caught that this was still reporting as if i was missing payments when in fact i should n't have had any payments to make. No one that i spoke to about this matter apologized or even tried to fix the matter by removing the marks but i am still left with the dragging of my scores down because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had fraudulent activity on my XXXX card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.

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 2017-06-28 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant

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 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My request to remove my PMI ( mortgage insurance ) was wrongfully denied. The terms to remove the PMI were to have at least 20 % equity in your home. After 2 years of on time payments and the value of our house increasing we have reached over the required amount. I requested a new appraisal and had to pay {$450.00} out of my own funds for Freedom Mortgage to schedule an appraiser to come  out to get the new value of my house. The appraisal came back at {$240000.00} and I owe {$190000.00} so that puts me at 21.7 % equity in my home which would terminate the PMI of $ XXXX/month that I am paying. When I submitted this to Freedom Mortgage they denied my request to remove it and also could not give me a reason why.

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 2017-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hello CFPB, I have an auto loan with Citizens One Auto Finance with the last payment remaining. My complaint is that the final payment can not be made online as all previous payments have been made and must be mailed or submitted ( for a {$12.00} fee ) via their automated phone system. The payoff amount provided via the phone system increments by $ XXXX/day, so sending a check via regular mail does not seem an ideal option as customers may be subject to a late penalty. Furthermore, the final payoff notice did not include a payment envelope addressed to Citizens like the other 59 mailings we received through the life of the loan - this appears to be an extra measure taken to collect fee revenue. <P/>To resolve the situation I contacted their customer service department at XXXX at approximately XXXX XXXX ET and was not provided an option to make a payment free of charge. I believe these conversations are recorded, so I encourage the Citizens One tem to review the recording. [ PERSONAL INFO - XXXX XXXX, Loan Number XXXX ] This practice seems to be deceptive and unfair and could yeild an undue profit for Citizens in aggregate at the expense of their customers. <P/>Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Total Finance AC LLC
State: IL

Complaint narrative:
I purchased a used vehicle from XXXX XXXX in XXXX, IL. around XX/XX/XXXX. A week after the purchase I came to realized that it is a Used Lemon vehicle. The vehicle has been serviced by their auto mechanics 4-5 times in regards to the same issue ( Engine and Cooling system ) and had to pay {$350.00} deductible each time, it has been address to the company 's customer service along with the Finance Company ( TOTAL FINANCE, LLC. ) and the person and his manager that sold me the vehicle. I have already invested a little more than {$4500.00} in repairs for the same issue. It was sold to me at an interest rate of 29 %. Well getting to the issue, I have been trying to get in contact with the finance company ( as of XX/XX/XXXX ), to do a voluntary surrender of the vehicle, I already explained that I can no longer afford the vehicle payments and also can not afford to be making more repairs. They have been refusing to talk to me, after leaving voicemail messages to contact me, but have been calling my wife 's cell phone non-stop and also sending her text messages, and even threatening her that they are going to get a hold of her social security number to garnish her wages. She ( My wife ) was also told that they are not even interested in doing an voluntary surrender. As of today, she has received 5 phone calls from the company and so far 1 text message. The XX/XX/XXXX information clearly states that I 'm currently the 7th owner of the vehicle, and the rating is XXXX, the vehicle is only worth less than a {$1000.00} for trade in or to sell. My payment was due on XX/XX/XXXX, I 'm only 10 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opening a new checking account and after making 10 transactions or a direct deposit of {$1000.00} they would supply a bonus of {$250.00}. I have contacted them several times and even filled out more paper work after going into a branch. I completed the 10 debit card transactions with pin and also did a {$500.00} direct deposit. Both were completed before XX/XX/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 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for  1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of.   XXXX  They are now calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for and received Income-Based Repayment ( IBR ) for my student loan. Navient sent me the letter of notice of approval  for IBR  on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   1  ). Navient then sent me a bill for my new IBR on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   2  ). I paid this bill and a couple of months in advance on  XXXX   XXXX ,   XXXX   ( see Exhibit  XXXX   XXXX   3 ).    XXXX  On  XXXX   XXXX ,    2017  Navient sent me a bill for repayment of my student loan with out IBR and a bill that was due four ( 4 ) da ys earlier on  XXXX   XXXX ,    2017 ( see Exhibit   XXXX      XXXX    4 )  .   XXXX  I also submitted a remittance slip with the correct amount due to get the payment correctly allocated as per the criminal defendants  Navients  own instructions. The remittance slip is now in the possession of the criminal defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRO MORTGAGE ASSOCIATES, INC
State: OK

Complaint narrative:
I applied for a mortgage and were approved for XXXX so then we found a house that was XXXX and they sent my realtor an approval letter for XXXX so we go to by the house and they declined us after they said they could. Then we find a house for XXXX that is way under their first approval and now they said that it 's still not approved because now they said I have to pay two of my credit cards off. And so we asked if we do that will we be approved and they said they are not sure. They never return our calls after multiple messages. They keep changing everything about our loan and what we need to. And we have lost two great houses because of it. And all they can say is sorry. Are you kidding me!!!!! And then they are putting signs on properties that do n't even qualify for what it says and they still just say sorry and wo n't do anything about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: AL

Complaint narrative:
XXXX   XXXX ,2017 I was alerted by my credit monitoring that I had a  Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's  a Hipaa Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: FL

Complaint narrative:
To who m it may conc ern Good day i have a ongoing situation from  XXXX  of  2017  going on with Experian they refuse to delete collections off my report they keep returning as factual when i dispute them that is not fair to a person who is going thru identity theft i sent letter to them on  XXXX   XXXX ,  2017  as Certified mail and copy of my police report and i just keep getting the same response i also send letters to the collection companys and no reply how do you all verify this debt and i havent recieve no validation, this is preventing me to establish credit. And had to place a security freeze and fraud alert on my Credit Report The collections are :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   ( They are   XXXX   )  XXXX    XXXX   XXXX   Hard Inquirie is on there that i did not give no permission to run my report company name  XXXX   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 non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: NC

Complaint narrative:
I recently found out that this company is illegal in our state. I have emailed them with the hopes of at least a payment arrangement for the principal only.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I have been attempting to short sell my property located @ XXXX XXXX XXXX XXXX, CT XXXX since XX/XX/XXXX In that period of time, we received an offer on XX/XX/XXXX that was terminated on XX/XX/XXXX by the buyer. Then we received a second offer on XX/XX/XXXX that was terminated on XX/XX/XXXX, and the last offer was received on XX/XX/XXXX and both the buyer and sellers are still waiting for a response from US BANK. Throughout this lengthy and stressful process, my REALTOR, XXXX XXXX was promptly and diligently communicating with XXXX XXXX XXXX from US BANK institution but XXXX XXXX stopped communicating on or around XX/XX/XXXXof this year. At one point, I was offered a loan modification while US BANK was aware of my intentions to sell, not modify. I am requesting that my file gets reviewed as I feel that US BANK failed to communicate with me in a timely fashion of any decision. Also, I only received a copy of one appraisal when in fact, the house has been appraised at least 3 times during this process. I need a copy of all the appraisals. On a curious note, 2 out of the 3 offers that we have presented to US BANK are for more than what the property was appraised. Also, I need to know why the offers on the property have been rejected or not even been looked at.

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 2017-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES I disputed the debt via online portal and via written communication and requested validation of debt. The company did not provide full validation and continued to report the accounts on my credit file. This has caused financial hardship as a result of their actions.

Company response to consumer: Closed with explanation