vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
We obtained a construction loan from Synovus bank to build our dream house. The loan amount was {$460.00}, XXXX at an interest rate of 4.375 %, to be disbursed in progress payments. We have received {$280000.00}. The monthly payment for this amount is {$1100.00}, which we have paid faithfully. On XX/XX/22, Synovus arbitrarily raised our payment to {$2400.00}. They said that this amount includes principal and interest on the total loan amount of $ XXXX. We replied that we could not be expected to pay principal $ interest on funds that Synovus never disbursed. Furthermore, we agreed to pay the XXXX, if the total loan amount was given to us. At present, the facts are as follows : 1 ) Synovus has reported us as late, to the credit bureaus for 13 consecutive months, even though we pay the proper amount {$1100.00} monthly. 
2 ) Synovus has ruined our credit which makes it impossible to refinance this mortgage. 3 ) Synovus refuses to release the additional funds we needed to complete building our home, yet they want to force us to pay principal & interest on funds in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. 
We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. 
I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. 

Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. 
After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized loan servicing LLC ( part of first bank ) took over my mortgage back in XX/XX/2022. They didn't take out my XXXX payment on the XXXX. I called. They stated they had difficulties with the transfer from the previous mortgage owner, XXXX XXXX XXXX not to worry it will be drafted on either the XXXX XXXX or XXXX. So I called back on the XXXX and they stated they still having difficulty so we'll be no later than the XXXX. And they uploaded a copy of the mortgage payment for XXXX which showed the XXXX and XXXX payment will be drafted on XX/XX/XXXX. I called to make sure this would happen as I did not want to be late on a payment. They assured me this would happen and nothing would be reported to the credit company. On XX/XX/XXXX, they did not take out my payment. I logged in and it said because I was late on the XXXX payment I was ineligible for overdraft. So I signed in paid it for XXXX and XXXX XX/XX/XXXX. They did not report it to The credit bureau is that as the law. But they still have it marked on my account that I have a late payment. Because of this, I'm unable to request PMI removal because you have to have not had a late payment within the past year. I called multiple times about this and when you call, they say they can see everything I'm saying is correct. this needs to be removed! I do not want any late payments on my account so I can get the PMI removed. They are not helping with this. I've repeatedly asked and they keep insisting that I've made the payment late. They made the payment late!

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 2023-02-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX went to a XXXX XXXX bank branch to open a business credit card. With the assisance of the XXXXXXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

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 2023-02-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX went to a XXXXXXXX XXXX bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX went to a XXXXXXXX XXXX  bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX  branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have a Paypal credit account that offer promotional deferred interests. Cardholders have the latitude to pay on or before the account in full before the due date or until the promotion expires. I made a payment of {$2000.00} noticing that I have a few promotions which will expire. I contacted Paypal and I was given misleading information, stating that I need to call them manually. This is not right that if I made a payment which goes to the balance and satisfies most of the promotions, why is not applied to those purchases? 
I find this to be misleading and a practice of scamming individuals who pay their bills on time. I need Paypal Credit to do the right thing and apply my payments to satisfy these promotions so I am not held responsible for these interests and calling should not be the way to do so if a customer decides to make the payments via balance transfer or otherwise.

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 2023-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XXXX I had fraud on my venmo account. It was XXXX XXXX. I called Venmo and spoke to fraud team and they said to file a dispute of charges with them and they will get my money back. Dispute of charges filed with Venmo against XXXX XXXX A week later out of nowhere, Venmo closed my account without giving me any reason or warning. They refused my direct deposit and had it sent back to my employer who didn't receive confirmation for a week and my pay checks had to be mailed which took delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action. I have lost hundreds of dollars in late fees and my Christmas was ruined because my funds were all over the place and missing due to this scam Venmo did one. I was following the fraud departments advice and I got punished for trust Venmo. They never respond to emails and can't call them at all. Want my money back plus more if possible due to all of the money I paid in late fees, my credit score dropped, plus so much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
My credit information has changed for my credit score to drop from XXXX to XXXX. I called my mortgage company NewRez whom have been constantly harassing me about refinance my mortgage, when I made it clear Im not interested right now. I just finished a modification with them last. 
I can think of any reason why reporting on my credit would cause my score to soar so low in matter of months. 
Please advise thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I spoke to the company and they said the old fraud charges were erased and this balance now is another charge. I told them this would also be a fraudulent charge. I asked for a breakdown of previous being erased and show me the new charge they now claim I owe. 
He gave me this new ref. # XXXX for this new complaint. He said he could not give me the itemized list, but someone else will be contacting me. I went back on my statements and it does not show where they cleared tge fraudulent charge. Instead they keep adding charges and are damaging 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 monetary relief
Consumer complaint received 2023-02-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXXXXXX - {$1500.00} XXXX XXXX {$3300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On XX/XX/2022 I made a {$2900.00} online balance transfer. I was charged the {$2900.00} onto my credit card. The other credit card never received the {$2900.00}. I contacted the company with whom I made the online balance transfer and found out that the funds went to a company that I dont have a credit card with. I made numerous attempts to call the company to let them know about this issue to resolve it and get my money refunded. 

On XX/XX/2022 I was able to reach the company with whom I started the online balance transfer and explain the situation. At that time I informed that they will be contacting me within 90 days to set up a conference call with both the company that I made the balance transfer and with the other company which received my funds. 

In XX/XX/2022 I called about the progress of a resolution. I was told that I was the one that had to contact the other company and set up a conference call to resolve the misapplied funds. I called the other company numerous times and could not even get any information because I dont have any accounts with them.

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 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main financial informed me that they would be doing a soft pull on my credit report and it wouldnt affect my score but I see that I have a hard inquiry from them and its actually negatively impacted my score and its still reporting which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I paid the debt with the original debtor years ago. I have disputed the the debt repeatedly and they keep removing them putting back on my credit report. The company is FIRST FED CREDIT CONTROL. XXXX and XXXX keeps allowing them to add it back. So far XXXX has kept to off. I dont believe I should have to keep disputing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: United Revenue Corporation
State: TX

Complaint narrative:
THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY UNITED REVENUE CORP . I'VE TAKEN A LOOK AT THE RESPONSE AND THERE ARE STILL MANY PROBLEMS. UNITED REVENUE DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX XXXX THEY ARE NOT. THEY ALSO DID CLAIMED TO HAVE MAILED ME DOCUMENTATION BUT I NEVER GOT IT. IT WAS AN OPPORTUNITY TO ATTACH ALL RELEVANT DOCUMENTS TO THE CFPB COMPLAINT, BUT THEY DID NOT. AGAIN, PLEASE SUBMIT THE REQUESTED INFORMATION VIA THE CFPB PORTAL. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
I have contacted sagestream XXXX times in a attempt to get a copy of my consumer report inwhich they are allowing access to my personal information that is in accurate and contains information used that has caused me to be denied credit and/or a hike in my intrest rate. As a reslult of me being denied credit i asked for a copy of my consumer report and the copy of the procedure that I must do to dispute wrongful information. The agent on the phone said they would provide me a copy and it hasbeen XXXX months and still no copy each time i am given an excuse why I have not received it. I was denied of a business loan based on there information provided to XXXX, XXXX and XXXX. I am the victim of identy theft on XXXX occassions. I should be allowed to stop the wrongful use of my information and to keep it accurate.

Company response to consumer: Closed with non-monetary relief