vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I opened a JCPenny charge account, then was notified that Synchrony Bank ( SB ) was the holder of my credit card debit. The first payment was paid by check through a hard copy billing statement. Today, XXXX I receive an email from SB saying Opps you did you forget ... this totally blind sided me since I did not receive a hard copy statement nor an email statement, e.g., Your JCPenny payment is due ... So I called them and requested they send my a hard copy statement. The representative said Synchrony does not have to to do that. Well, I lost it saying there was no billing statement notification either by hard copy or electronic notification just a notification that I missed a payment. Synchrony is a scammer bank. Yall lead people down a path of charging late fees when there is no notification of a bill due. The representative reply was Your payment is due the XXXX of every month. Me : How would I know that when there is no notification. No only are you charging me interest on the outstanding balance you charge me a late fee. You are taking advantage of your customers and reporting them to credit Bureaus ruining their credit! This is the second time I have had to deal with scamming bank. They are taking advantage of consumers. I do not have a bank account with them, I have a JCPenny card ; and they bought the debit. Finally I threw at them that they are providing a consumer service. They do not have the right to change a credit card debit to a banking debit w/o my written agreement. Some thing has to be done with this money hungry Bank! Understand they are connected to GE Capital I would like to know what state banking laws they are required to follow. Thank you. 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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
Hello and thank you for your time! 


I just received a notice of Garnishment/Garnishment Summons in the mail. First off this debt is 13 or 14 years old, well past the statute of limitations. 

Most importantly, I wasnt given due process to speak on my behalf. Apparently a judgement has been leveled against me for this garnishment but I never received notice of a hearing or had any chance to fight. This is debt thats been bought by one of those scavenger junk debt companies, Im not even sure this debt is mine, especially with the amount theyve been awarded!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am a victim of fraud and I currently have accounts on my credit report that are not mines and are reported inaccurately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, JEFFERSON CAPITAL SYSTEM # XXXX. I AM TRYING TO BUY A HOME AND THIS IS PLACING MY PROCESS ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I recently ran my credit report and was shocked to see adverse history related to our Caliber mortgage. I have never been late yet Caliber shows that our payment was late in XX/XX/2019. I called the entity who confirmed the problem was because my monthly escrow required payment increased and I had failed to adjust the monthly bill pay to account for that adjustment. The company then confirmed that they submitted my customer notification to the wrong address. Their mistake has had a negative impact to my credit score and Caliber refused to adjust on their end. 
Caliber 's unwillingness to correct their error is shocking and I am worried for other consumers who do not pay attention to their credit report. As a practicing XXXX, I take these matters seriously and hope the CFPB can put a stop to Caliber 's illogical ( and potentially illegal ) processes and procedures. 
In summary, I have paid my mortgage on time while Caliber failed to properly notify me of an insignificant increase to the property tax component of my monthly payment thereby reducing my credit score. 

Separately, it would be ideal if your organization could determine how many Americans have experienced an adverse impact to their credit scores due to Caliber 's unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Our homeowner 's insurance policy had not been paid by our mortgage lender, Loancare. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and was put on hold for a total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 10 business days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from Loancare. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. Loancare also stated we may get billed for them having to do an overnight payment. ( Which never even happened ). I  even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is UNACCEPTABLE. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. 
Loancare , LLC ( which also goes by XXXX XXXX XXXX XXXX ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.

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 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was hospitalized for a month in XX/XX/2019, which caused me to miss a month of work. Due to loss of income I fell behind on my auto loan. I got an email from Capital one that I could put my payment to the end of my loan, but when I called I was told my account was not eligible for this. I was also told I can not do payment arrangments due to not being able to make payment via ACH, but I told them i could put my debit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After a decrease in income, Chase put us through a loan modification agreement. It started on a trial basis, during which all payments were made on time. After the trial ended, payments were maintained at the reduced rate while the documents were signed and notarized. In the meantime, Chase sold our mortgage to XXXX XXXX and failed to complete their process for the loan modification agreement. XXXX XXXX is not honoring the reduced rate that had been previously established. Chase also did not send the last mortgage payment and unallocated funds to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
this company is a rip off I borrow XXXX for them I know I own them money but they are charge me XXXX in interest and I think this is crazy this company is worst then a payday load store I didn't know it was going to be XXXX in interest al they do is laugh at all of the customer company like this should be helping people and not robbing them blind the name of these company is one main financial main off number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: DC

Complaint narrative:
I could not find a more appropriate category, but I am struggling under the weight of my federal student loans. I elected to participate in public service loan forgiveness. I am on the income based repayment plan. I am grateful that the program exists, but if for some reason the program does not exist in 3.5 years when I complete 120 payments, I will have paid more than {$100000.00} and paid no principal at all. 

I have made 76 payments as part of the program. After 76 payments, I have paid {$51000.00} in interest and nothing on principle. The only principle satisfied on the loan was part of the State Department 's Student Loan Repayment Program, a taxed student loan forgiveness program for people working in war zones. That amount was {$5300.00} after tax. The current bill still shows interest owing on the loan. 

Making matters worse, my university tricked me into signing private loans. The loan officer, now retired, told me that I could not finish school if I did not take out private loans totaling {$50000.00}. I consolidated those loans through XXXX, but the variable interest rate is approaching 6 %. My student loan payments now top {$1300.00} a month and I have paid no principle at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX/XXXXUnder Dispute XXXX   XXXX  XXXXUnder Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX/XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXTXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Because this company goes by 2 different names, I submitted a complaint for both XXXX and Lakeview Loan Servicing , LLC. 

Our homeowner 's insurance policy had not been paid by our mortgage lender, XXXX. I received a letter on XX/XX/XXXX from our insurance stating our policy had been expired on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and was put on hold for total of 50 minutes, bounced around to several representatives and finally spoke to someone that handles complaints. They stated they sent out a check but it would take about 12 days to arrive. I told them that was unacceptable and I wanted to have my homeowners 's insurance in place that evening. They said they were going to send an overnight check to our homeowner 's insurance on XX/XX/XXXX - well today is XX/XX/XXXX ( 4 days later ) and the insurance company still didn't receive any payment from XXXX. I called the insurance at XXXX on XX/XX/XXXX - the end of the day, and they stated they never received anything. As of right now, I don't believe we have any homeowner 's insurance on our home. XXXX also stated we may get billed for them having to do an overnight payment. I even had to sign an eDoc on XX/XX/XXXX that was sent from our homeowners insurance stating we will not file any claims from XX/XX/XXXX until now. This is XXXX. I do not trust this company at all - they still did not pay our homeowners insurance - it expired on XX/XX/XXXX and today 's date is XX/XX/XXXX. No payment was received by our homeowners ' insurance yet. XXXX XXXX XXXX ( which also goes by Lakeview Loan Servicing LLC ) is an irresponsible mortgage lender who has put us in jeopardy if anything were to happen to our home. We are not insured as this time because they failed to pay it! It is now 10 days late ( and counting ) still not insured.

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 2019-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am a VA XXXX VET and requested a home loan modification or possible payment assistance arrangement from my mortgage servicer, PennyMac Loan Servicing LLC., as I am now in a better financial situation, as I've fallen delinquent with my mortgage payments. I faxed and emailed, all of the known application documents in which would be requested on XX/XX/XXXX, to PennyMac in hopes that the paperwork would appear in their servicing system by today, Monday, XX/XX/2019. In following up with their Loss Mitigation Dept. I was advised that the paperwork can take up to 48 hours to image through. 

My auction date is scheduled on XX/XX/XXXX. I understand in reading the PennyMac website, application for loss mitigation options must be received by no less than 7 business day. Today would be my deadline to send documents within their servicing system. I dont belive it is fair that I've faxed in the paperwork and then being told they cant get to it till days in, when an auction date is 9 days away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
On XX/XX/19 XXXX XXXX XXXX, from Williams and Fudge Inc. Had cold called a family member constituting that she was trying to contact me and I had put down my family member as a job reference. Which I have never done before nor do I even have that family members number. She attempted to retrieve my information on the basis that she was an employer and left her number for me to figure out who she really was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of 2019 myself and numerous people that I am not directly associated with were contacted by a company called Alliant Capital falsely claiming I owe them money. Then I started receiving calls from numerous people that I havent spoken to in over 20 years stating that the rep of Alliant Capital told them I owed money and began asking questions. After I told them the debt wasnt mine the rep then told me to shut up and let me talk and when I didnt and hung up the phone. I called back and asked for a supervisor and the other staff members began talking like mobsters and threatening to be lawyers. The last number I have on them is ( XXXX ) XXXX the reps name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXX XXXX XXXX XXXX.Under Dispute XXXX   XXXX/CXXXXUnder Dispute XXXX Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX Dispute XXXX   XXXX XXXXUnder Dispute XXXX/XXXX XXXX   XXXXUnder Dispute XXXX/XXXX XXXX XXXX Dispute XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXX by law the bureau can not take more than 30 days FTC law

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 2019-12-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX/XXXXUnder Dispute XXXX/XXXXUnder Dispute XXXXXXXXUnder Dispute XXXX XXXX XXXX, XXXX.Under Dispute XXXX   XXXX/XXXXUnder Dispute XXXX Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX   XXXX XXXXUnder Dispute XXXX BANK XXXX Dispute XXXX/XXXX XXXX XXXXUnder Dispute XXXX XXXX  XXXXXXXXXXXXUnder Dispute XXXX/XXXX  by law the bureau can not take more than 30 days FTC law

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 2019-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My Car still hasnt been registered by the Dealership which they are required by law for any auto lease or finance. 

As well they forged mine and the co-signers signatures on the closed ended lease contract they sent to the bank. The copy they sent me 3-4 months after taking delivery are not signed. I had the car picked up by my nephew and everything was signed and notarized in XXXX XXXX so it wouldnt be able to be r Esigned at the dealership which I believe it was by the sales managers which no longer work for the dealership or Finance manager. 

XXXX XXXX XXXX  In VA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX  XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX   XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.

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 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
The bank OneMain Financial Group, LLC NMLS # XXXX had a link on my XXXX   XXXX  account stating that I was prequalified for a unsecured $ XXXX at a high apr of 21 % of which Im sad to say I was willing to accept due to my legal fees that I have to pay for issues concerning problems with my ex-wife. Anyway I fill out the application and it says Im approved. Upon reading the terms it now states that the rate is 25 % and a secured loan and they need my all the information concerning my motor vehicle, insurance and drivers license. This bank expected me to put my car up against their 25 % loan. They pulled a bait and switch. I can only imagine how many people they do this to. Please investigate them. I did not accept the terms of this scam so theres not much more that I can provide but this is definitely a terrible thing to do to someone. If someone has a car loan and then does this. My goodness.

Company response to consumer: Closed with explanation