vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America offered a two different balance transfer promotions for the same BANKAMERICARD. One promotion offered 15 months of 0 % interest and no balance transfer fee. Unbenkownst to me, I applied for the same BANKAMERCARD that offered a different promotion that was 18 months of 0 % interest but WITH a balance transfer fee. I only becasme aware of the balance transfer fee after the balance transfer. I contacted Bank of America and explained that I had intended to apply for the other promotion they advertised, that I was unaware that I had applied for a different promotion for the same card, and that I wanted the 15 month with no transfer fee option. Despite contacting them within days of applying for the card and the transfer, Bank of America customer service told me there was nothing they could do and I would have to pay the {$150.00} transfer fee. Bank of America 's promotions of separate offers for the same card is misleading and its refusal to address this is in bad faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My loan was sold right away and I didn't realize it. I made my 1st payment to XXXX XXXX XXXX and Lakeview lonecare llc bought the loan. They never gave me credit for my 1st payment in XXXX. They've been charging me late fees and finally put a marl against my credit. I've sent them documentation multiple times and have called multiple times without getting this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/2019 I was having some financial hardship due to recent divorce. I contacted the mortgage company, PennyMac, to make payment arrangements so that I could stay current on my loan without penalty. Arrangements were made for me to pay half of my XXXX payment, {$570.00}, onXX/XX/19which I adhered to. The second half of my XXXX payment, another {$570.00}, was scheduled for and paid on XX/XX/2019. During the conversation in which this arrangement was made, I was not told about this having a negative impact on my credit or being considered a late payment. I was under the impression that because those arrangements had been made, provided I adhered to them and continued to pay as I have been I would remain in good standing. However, my ex-husband ( who I am trying to remove from the mortgage as soon as all of this is corrected, as he has not lived in the home or been financially responsible for the mortgage in over 1 year ) informed me his credit has been impacted. Today, XX/XX/19 his credit report is showing that the status of the mortgage is currently 30-59 days past due. My personal credit report is showing that the mortgage is current as of XX/XX/19 but was 30 days past due for XX/XX/2019. Had I been informed this would impact both of our credit despite the payment arrangements, I would have applied for a loan elsewhere in order to remain in good standing with my mortgage company. 

I called the mortgage company to explain the situation and the agent I spoke with filed a dispute for me. I called back today, XX/XX/19 and was told it " doesn't look like they are going to accept the dispute ''. I was told that maybe sending them a letter much like this complaint might help my case. 

After the split payment arranged for XXXX, I have paid my mortgage every month on the set upon due dates in my PennyMac website login. 
XX/XX/19 - paid {$1100.00} XX/XX/19 - paid {$1100.00} Today - XX/XX/19 - called to follow up on the dispute and made sure they were aware of my current pending payment for XX/XX/19 of {$1100.00}. 

I am very upset the company never informed me what this would do to our credit scores and standings, and that they offered no apology or explanation and are not willing to go back to the credit agencies to remove this mark. I have excellent payment history and would have never resorted to making that payment arrangement had the agent at PennyMac told me what it would do to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
On XX/XX/2016 I took a personal loan with Lendmark Financial Services in XXXX VA for {$2500.00}. The loan was for 36 months at {$150.00} a month payment. I have never miss a single month payment, I only have 1 or 2 at most 3/4 days late payment that I call them in advance for. I was told by the Virginia office representatives that as long as the late payment is less than 8 days I will not be charged late fee. I also changed my due date from the XXXX of the month to the XXXX and I was told that I will not be charged a fee or interests. I was told many times that my last payment date is XX/XX/XXXX. All of a sudden theres a {$250.00} extra in my loan that they can not explain, even the Virginia agent was surprise and confused about the extra fee. The Virginia agent called and tried to explain the extra {$250.00} but he could not clearly articulate why theres an extra {$250.00} on a loan that supposed to have only {$150.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

Toyota Financial had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Finance
State: OH

Complaint narrative:
On or around XX/XX/2019 we took a XXXX payday loan with XXXX XXXX ( NCP ) out. After a few months we noticed the Hugh interest rate which has since changed in Ohio with a max of 27 %. I contacted both XXXX XXXX which is now XXXX XXXX XXXX, and was informed I had to contact NCP, WHICH IS THE ORIGINAL LOAN HOLDER. I BEGGED THEM TO PLEASE LOWER THE RATES DUE TO THE NEW LAW IN OHIO, AND THEY REFUSED TO WORK WITH US. We are more then willing to pay the XXXX with the new rates, but paying XXXX  for 12 months is just to much for us to pay. The last payment is XXXX totaling around XXXX. Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying since XXXX to have Equifax remove a fraudulent credit inquiry from my credit report. I have spoken to them on the phone numerous times, mailed and faxed documents, and have received TWO reassurances : once in XXXX and once last week ( both with CONFIRMATION NUMBERS ) that the inquiry had been removed. Yet it is still there. I have given up dealing directly with Equifax given their apparent inability to resolve this matter to my satisfaction, and due to the fact that they outright lied to me about the fact that the fraudulent inquiry was removed ( TWICE. ) First confirmation number is on the uploaded document. 
Second confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
XXXX XXXX {$780.00}. 
To Whom It May Concern : I am disputing this account because you are reporting inaccurate information on my credit file, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practice that I do not have any contractual agreement with you to collect this amount, and you should delete this account on my file. Compliance with this request is required under the federal law, and FCRA 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: R & R Collection Service, Inc.
State: AZ

Complaint narrative:
This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo needs to be more honest when dealing with customers. I have been dealing and fighting with Wells Fargo for a month. The lady in the executive office on XX/XX/2019 told me in a recorded phone call that my secured card was still open. I called XXXX XXXX today and she agreed that I was right but failed to put that in the letter addressed to me and to this agency. She and Wells Fargo need to come clean and tell the truth no matter how it looks legally. It should not take over a week to close an account and if a closed request was done on the XXXX as they claim, why did the lady tell me days later that it was still open and why did she state that the two closure request did not take and the account was still open. Why did I have to find out on the XX/XX/XXXX that the account was closed? Why would they send out a replacement card on a closed account? Why would I make {$460.00} payment on a closed account? Why did it take so long and so many phone calls my me to get my secured card money back? Why did they not already decide to do training with the lady that told me that they card was open? Why should I force this as a demand from them? Who is reading the letters that Wells Fargo sends out to customers for accuracy and honesty? Wells Fargo needs to listen to the entire call and not just portions of the call like XXXX XXXX claimed she did? How can XXXX T even right a letter without listening to the entire call. 

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 2019-10-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity can not be verified through Experian. When my credit is pulled through said credit bureau my name, per anyone who attempts to pull my credit, comes up as unverifiable. I need help. I tried to apply for a card with XX/XX/XXXX and was denied because my name could not be verified. The company i work for uses Experian to verify us through another system that enables me to view consumers medicare information. If my name can not be verified I can lose my job. 
I called Experian and they sad there was no problem and I asked for a complaint department number or a supervisor and they said all they could do was send me a copy of my credit file and that there was nothing more they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our loan was sold to Specialized Loan Servicing from XXXX XXXX without notifying us of cancelling our auto payments or changes in our loan. We received a certified letter stating that we are in default of a loan to this company which we were unaware were our service provider. Out of desperation and fear of losing our home, we went through a trial modification process where we performed fully, and then we were told the rate would be 1 % higher than we were led to believe we would receive. Our credit has been damaged by reportings of default, We appealed for a second review to adjust the rate. We can't refinance due to bad credit, and they won't fix our credit. We are stuck because we cant refinance, and they are sticking us with a higher rate due which is not what we would have had if we were notified of the change. Our luck with SLS has not been good and they are inflexible and completely uncaring for what has happened to us. 

We did everything asked of us as our credit was being destroyed and SLS was not willing to be fair. We have attached the claimed correspondence we received from SLS. We never received notification from XXXX XXXX of the change, and notification form SLS was well into this process after it was too late to simply continue. We always worked hard to do everything in our power to keep our credit good. These 2 firms have destroyed our credit and finances. SLS has also refused to let us know who our loan is now owned by. I have asked many times

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Jacob Law Group, PLLC
State: MS

Complaint narrative:
Dates : XX/XX/19,XX/XX/19 Amount : {$2100.00} ( an estimate ) Company : Jacob Law Group After receiving the first letter notifying me of the debt, I requested a verification letter. I received copies of bills paid previously. 

I reached out and advised I want to take care of the debt but am unable to pay the entire amount. 

XXXX asked Well how much do you have? And said with the sarcasm, So you dont have anything? 
Then asked if I received a court date knowing that I didnt have a court date for anything. ( Scare Tactic ) This place and their employees are a disgrace! A disgusting place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ascendium Education Group
State: NY

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX, has not honored my cease and desist telephone communications requests. Several times in XX/XX/2019 specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by XXXX, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. XXXX collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing XXXX with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019 I again received several calls from a number that XXXX called from onXX/XX/2019. On the XX/XX/2019 call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, todayXX/XX/2019, XXXX sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if XXXX  was collecting on their behalf and the XXXX   representative said " no, '' which increased my suspicion of XXXX   XXXX began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress. 


I ask that all the calls connected to the account on which XXXX is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that XXXX  not call me ; - My communications with XXXX reps were abusive ; - XXXX reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - XXXX used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - XXXX may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX - XXXX - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Reporting Negative/Past Due to ALL 3 Bureaus : - Equifax XXXX XXXX XXXX XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in Toyota & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to TFS - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CA

Complaint narrative:
XXXX XXXX XXXX -> Reporting Negative/Past Due to ALL 3 Bureaus : - XXXX  - Experian - XXXX In which I've currently had a lease since XXXX of XXXX and with the lease ending this year. 

XXXX XXXX had reported a late payment for XX/XX/XXXX and XX/XX/XXXX. This report is false. I've always been on time on all my payments, from auto and credit cards. I've already reached out to a representative in XXXX & they waived the " late fee '' charge. However they have reported it to all 3 bureaus that I have a late payment. 

I've already mentioned this issue to XXXX - everytime I log in my account there is typically a pop up on the top of the page stating that the website has technical difficulties.

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