vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019 I tried to open a Citibank Checking/Savings account online. The system would not accept my address and the wrong address was inserted incorrectly. On XX/XX/2019 I called Citibank so they can update my address over the phone to my correct home address and I spoke with 3 people, including the new account services supervisor, XXXX who said it is company policy that they can not change the address for a new account for 30 days upon opening the account. I informed her that my personal account information is at risk to be sent to the wrong address which could increase the change of fraud. She said there is nothing she or anyone at Citibank could do as it is company policy.

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 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have notified cons to stop calling my place of work twice. I legally cam not speak on our recorded line regarding debt collection and I notified the representative to stop calling my place of work. This notification was on Friday XX/XX/20. Since then, I have received 5 calls from them at work. 3 of the calls were made to me on monday. So they not only wont stop calling ... but they're calling more than once in a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: AES/PHEAA
State: MI

Complaint narrative:
Yesterday XX/XX/19 I received a notice from XXXX saying that my account was going to be defaulted due to non-payment. Today XX/XX/19 I called XXXX to figure out what was going on, I had never received any bill from them. As I was speaking to the customer service representative she notified me that my Department of Education loan hasn't been received since XXXX. I was using a 3rd party consumer when I was paying on this loan. I was unaware that they were a 3rd party consumer, I thought they were the one that dealt with my loan first hand. American Education Services has been taking my payment out every month on the XXXX since XX/XX/19. I am not sure what payments they have sent to XXXX. I have paid XXXX since XXXX. I then contacted them and they tried to tell me that they were assigned to my loan. When talking to the lady from XXXX, this was something that she heard of quite a bit. She has heard them do this very often. I am now concerned that they have all my information and what they could do with that. They haven't paid my loan for months, it makes me wonder what they would do with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had five accounts become delinquent in 2014 due to a job layoff. All five accounts were charged off in late 2014. However, Experian has continued to report incorrect information, including reporting 2-3 of these as a new charge off EACH MONTH. They also continue to show the balance of all but one of these as a continually growing balance. I believe this is being reported in this manner as an attempt to re-age these accounts. 
I have reported and disputed the incorrect information with Experian, but they continue to report the incorrect information. They state they have " verified '' the information, which they provided no documentation or verification of. I do not believe they actually investigated it. Experian now refuses to even let me put in a dispute, stating they already looked at it so I can no longer dispute it. I have sent in two rounds of paper/hard copy in addition to the initial online dispute, and they have ignored both. 
Additionally, the reporting is inconsistent for these accounts, even though the delinquencies and statuses should be the same for all as they happened at the same time. 
The 5 accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and two accounts with XXXX ) should all show a charge off in late 2014 and no further charge offs afterwards. As they have been charged off, they should all show a XXXX  balance. The accounts should all show as closed by consumer, as I closed them at the time of my layoff, prior to delinquency. 
The fact that these are misrepresented as continuing charge offs or new delinquencies is grossly affecting my credit score. When these errors were corrected on my XXXX account, my credit score with them jumped over 40 points, just from putting the correct information on my record. Unfortunately, XXXX then allowed the companies to re-report the " new '' charge off data which returned my score to the low value. I understand that the delinquency from 2014 will stay on my report for 7 years, and I have no problem leaving the CORRECT information on my report - I was delinquent and the accounts were charged off. However, the continual re-reporting of these old delinquencies has prevented me from having a score and report that accurately reflect my credit worthiness, which has impacted everything from my ability to rent an apartment to the rate I can get to consolidate my remaining debt. I simply ask that the information on the report be accurate, which Experian has repeatedly refused to correct.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This is a debt I have disputed for multiple reason : No notice of court, letter sent to my current location was already a levy letter that I was put through without me even knowing the debt I disputed indicating this is not my debt, requested documentation that I asked to verify proof of this debt which never received just a letter in XXXX saying settle for a set amount which is when I contacted by mail MIDLAND FUNDING LLC, requesting the attached information. I attempted to fax the documentation letter again on the XXXX of XXXX after I received the letter on the XXXX of XXXX, XXXX, which returned busy. They are saying the card is a XXXX card which on the letter attached I previous explained that and once again will be sending it out again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
We have done business with Synchrony Financing for years, and have not had any issues during those years. They recently updated their systems and now do all applications/transactions online. One of our employees helped a customer fill out the proper application for financial assistance with Synchrony. The application was put into a pending status, until the customer could contact Synchrony to verify her identity. The customer spoke with Synchrony bank on a recorded line on XX/XX/2019, which Synchrony denies. After speaking with Synchrony and verifying who she was, she was approved for {$2500.00} in financial assistance. The customer made a purchase for {$1400.00} on XX/XX/2019 with financial assistance from Synchrony bank. The transaction verified her identity within Synchrony 's web-portal, via her Driver 's License. The customer signed both the store 's copy of the reciept, and Synchrony banks copy of their financial assistance reciept. The customer then had some work done on her Van the following Monday ( XX/XX/2019 ). She again verified her identity with her Driver 's License before the transaction for {$690.00} was processed. The customer then claimed that she never applied for financial assistance from Synchrony Bank and disputed the transaction/application. After nearly two months of Synchrony Bank 's fraud department " investigating '' the incident, the customers fraud claim was validated and we were debited the amount of {$2300.00}. After speaking with Synchrony 's fraud division, I was told we did not submit proper identification for her transactions. All proper documentation was provided from the beginning of the application process, to the end of the final transaction. We are disputing this with Synchrony bank and plan to pursue legal action against the company, or customer to recoup the loss of equipment/labor in the total amount of {$2300.00}. We are asking for intervention from the Federal Trade Commission on our behalf, concerning the illegitmate business practices being put forward by Synchrony Bank. We complied with each and every one of their steps in the application and approval process, and yet they have seen fit to chargeback two transactions as fraud. We have made multiple phone calls to the company, and have tried to resolve this issue, and have been stonewalled at every turn.

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander bank allowed duplicate payment to be posted on my account that brought my account into negative balance and refused to give me a credit as of result of their negligence I will also face {$35.00} overdraft fee at the end of the day. HORRIBLE experience, horrible customer service being silly nice and helpless when it comes to an actual help!!!!!!!!!!!

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 2019-09-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The department of education sent me a notice on XX/XX/19 that my wages will be garnished because I didn't respond to a letter I never received. I called them and was forwarded to the collection agency Pioneer Credit who was too busy to help me today and might take 3 days to call back. I already can't pay my bills I can't have money taken out of my checks or I'll be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
Received a letter saying I owe this company over XXXX dollars. They have threatened me with a lawsuit, garnishment of wages, and seizing of personal property. I have no knowledge of the basis for this and they are using intimidating tactics to threaten my finances. This seems like a predatory scam because I am a XXXX veteran and they somehow got my information.

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 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: La Casa Bonita Investments
State: KS

Complaint narrative:
I have paid about {$1000.00} to a company that I thought was helping consolidate and lower my monthly student loan debt, and my actual servicer claims they have received no money since my account was set up. They called me in the middle of my application on studentloans.gov for an Income Driven Repayment plan, and XXXX ( my agent ) claimed that he worked for the government. I sent them sensitive documents including a recent paystub, and they charged me monthly fees for something that needs to be done only yearly. They are preying on vulnerable people who are taking steps to eliminate their debt and cause them more strife.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
While serving oversees my Idenity was compromised. The items below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX XXXX  2. XXXX / XXXX 3. XXXX XXXX 4.  XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX   13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake Financial Services charged me twice because of their website error, now I'm almost {$600.00} in negative balance and they will give me a refund in couple of days, in a meantime a bank will charge me {$35.00} overdraft fee and I HAVE NO MONEY TO MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Best Buy XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/19 purchased laptop {$1100.00} including discount of {$200.00} if apply for a Best Buy credit card. Approval code XXXX, card # ending in XXXX according to receipt Asked to pay off immediatedly at store- refused to do. Calle the store several times in the last month asking where card was, said it should have been in the mail and received. Called credit card issuer Citibank, said card will not be sent, ss # and name do not match as entered by Best Buy employee. Daughters name and ss # but mothers name as per rewards account. Citibank said the only way to receive card now was to prove identity by mailing them copy of Mothers birth certificate and ss #. said this was not secure. Citibank and Best BUY refuse to send statement. We want to pay in full and especially before interest begins. HELP!

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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This bill has been filed to my insurance and should be removed from my credit reports. XXXX XXXX service is the original creditor. The amount of the bill is {$1200.00}. The date of the account opened on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NV

Complaint narrative:
experian has XXXX posted and should be deleted

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 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bowen & Associates Recovery, Inc
State: IA

Complaint narrative:
XXXX with Bowen & Associates ( XXXX ) has called multiple times to all the phone numbers under my phone line looking for someone who is not me and has also text a phone number under my phone line during his collection practices. He has threatened legal action, is abusive in language and when asked to not call again, stated he does not have to comply and will continue to call me. He advised he does not need to comply with a verbal cease. XXXX also admitted to why he was calling which is a direct violation of the FDCPA while doing skip tracing. He has violated multiple FDCPA regulations with his harassing and abusive collection tactics that are clearly not working in his favor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried using eqifax online and there are questions you absolutely have to complete. I check none of the above on all of them, however they say im wrong. There isnt anything on my credit report other than medical bills and if there is its not from me. I called the company and they said I was lying and demanded I send in by mail a copy of my social and drivers liscense. Thats probably one of the most unsafe things for identity there is. I cant access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and the Experian Ficos with lower scores will ( Experian Fico 2 vs XXXX 2 ) state there is a delinquent account yet my FICO 8 score from the same report states there are no delinquencies. When I try to drill down into the account they are stating is negative in the scoring explanation on my Experian creditworks, there is no account there. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and XXXX 8 are above 750. The fico 8 experian score states a delinquency while the others from experian do not. If you look at my experian credit report, there is absolutely no NEGATIVE information so I don't know why some of the Ficos provided from experian will say there is a delinquency when the reports and scores will be from the same date.

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 2019-09-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA will not take my payment over the phone unless I agreed to allow them to send me a text to verify my phone number. 
Historical facts : My USAA account is closed and has been closed for 3 yrs. Each month I call USAA to make a phone payment. I have had no address change, phone number change or any other changes to my personal information or my USAA account. 
I have been making payments over the phone with USAA for years, never had a problem in the past. 
Earlier this month ( XXXX 2019 ) I was at the U of XXXX hospital with my entire family. many relatives & friends praying for a miracle. My XXXX year old nephew was in a car accident and had no brain activity. We lived at the hospital for 8 days. During this time I contacted USAA, 4 times from MY cell phone. Again the same phone number I have called them from for years. 
Each representative refused to allow me to make a payment unless I agreed to allow them to send me a text message for verification. 
This has NEVER been asked of me before from USAA. 
I informed USAA i do not have to give them authorization to text me. Each USAA representative told me I did. 
I said I was just calling to make a payment, the account is closed therefore USAA had XXXX risk. 
Regardless USAA refused to allow me to make a payment and as a result my account went 30 days delinquent and as a result of the 30 day delinquency my credit score dropped from XXXX to XXXX cause a mortgage I had applied for to be denied. 
Other facts. USAA has my voice identification therefore they knew it was me, USAA also has phone number Identification and I was calling from my phone, Again they knew it was me. Additionally, I was making a payment from the same checking account I have made payments from, for the past 3 years. 
For USAA to put me through this, provide me with false rules during easily the most tragic time of my life is unconscionable, unacceptable and can not be allowed to happen again, This is why I will be filing a lawsuit against USAA regardless of their response. 
My nephew, XXXX XXXX XXXX never regained brain activity. We never got our miracle, but XXXX wanted his organs donated and as a result 5 other families did receive the miracle they were praying for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Tne first year into program things were going great. We were told to direct all inquaries from debt collecters to freedom debt relieve. We were told we have lawyers at little to no extra exspence to handle any and all issues that may lead to court. Then we get served by XXXX. Guess what XXXX  wants all there money RIGHT NOW! and that " i was told not to pay my bills '' is not a defense. So we scrapped together what money we had and paid the bill to make this nightmare end. Two mouths later, at dinner time I get served again by a different debt collector again asking for all there money in full once again. My wife and I were told we would be taken care of by freedom debt relief. But when we get sued we have to settle the case not FDR. I was scammed. Now were stuck in a huge hole being sued by multiple debt collectors. HUGE MISTAKE. I want out and need a lawyer.

Company response to consumer: Closed with explanation