vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Synergetic Communications., Inc. sent me a very disturbing letter dated XX/XX/XXXX that I have attached where they requested the payment of a debt for a car that was repossessed in XX/XX/XXXX because of my illness that led to a XXXX. The collector claims that if I do n't pay the debt or contact them within 30 days, they could sue me, as stated in the letter. The debt is past the debt collection as per the following : Statute of Limitations. Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. The debt was reported and closed on XX/XX/XXXX more than four years ago. I also do not know where or how thee credit agency received my information, I have never heard of or spoken with them before and the fact that they contacted me with such a harsh letter has affected my XXXX terribly. Poor XXXX Americans already suffer from disparities that include underemployment, over-employment and discrimination. We are always the first laid off and less paid, as is some of the issue that happened when my car was repossessed. Even the way XXXX repossessed the car was disturbing where they pretended that if I would make another payment, I could save my car while at the same time the repo man came to my house. 

The debt, according to my credit file, was reported and closed as follows : Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$30000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$8300.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Worst Pay Status Unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Explanation of complaint : I graduated in 2007 and started paying my student loan. 
It was my understanding that my loan would be paid in 10 years and it has been over 10 years and I owe just a couple thousand dollars less than I started with. It states that my repayment is an income based repayment program and I am not sure how that happened. At this rate I will be dead long before it is paid off. I am sure that I have to date paid as much if not more then I owed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
XX/XX/XXXX my direct deposit was removed by ocwen. They said that I did not submit paperwork in time. I set up automatic withdrawals from my bank account and faxed the forms that they claimed they never received. XX/XX/XXXX My monthly payment was returned. I was told that it was returned in error and to resend it. They kept XX/XX/XXXX payment then XX/XX/XXXX payment was returned. I continually have gotten the runaround In XX/XX/XXXX a monthly payment was kept by Ocwen but the reversal of my Loan modification never was reversed as promised during a XX/XX/XXXX Email. All of my payments have not been applied to my account. I was told during one of many many phone calls to Ocwen that the employee handling my account was fired and my account fell through the cracks. This has caused me tremendous stress and I could not afford to fall behind on my payments. I did not have the funds to catch up. In addition I would like full credit for all payments made. Ocwen system shows that they have not received a payment since XX/XX/XXXX. Their system is inaccurate and I have receipts that show that I made payments up until XX/XX/XXXX when my payments kept being returned to me after I was told they would not be. In XX/XX/XXXX a representative told me they show that I was in arrears since XX/XX/XXXX and my only option was to pay the arrears. I recently received a court notice of foreclosure. I plan to seek legal representation if Ocwen does not rectify my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanta Check Cashers, Inc
State: GA

Complaint narrative:
I 've been struggling financially due to health issue and XXXX. I got an loan with Atlanta Check Cashers and agreed to {$25.00} as a payment to bi-weekly. I was late on payment and asked if I could skip a payment and pay when I can borrow money to cover skipped payment. They agreed and I thanked them .The next pay period {$25.00} was deducted .I noticed that I was charged late fee {$10.00} from a text that was ok but It was never told that it would be a recurring fee monthly. I was charged {$40.00} for car insurance and I do n't have a car I told Atlanta Check Cashers. The contract states that to contact company before 3 days .This pay period XXXX/XXXX/17 Atlanta Check Cashers deducted the agreed {$25.00} and an Unauthorized payment of {$95.00}. I called and customer service said " You Did You Did authorized when you gave us consent to withdraw {$25.00}. '' I did not authorize double payments.The payments came from two different transactions now my other bills are behind due to this unauthorized transaction from Atlanta Check Cashers on XXXX in the amount of {$95.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
Back on XXXX XXXX, XXXX, I purchased a money order for XXXX and cents at a store XXXX XXXX in XXXX XXXX WA XXXX When I paid in full cash, they gave me two money order. One was for {$500.00} even and a second for XXXXwith cents. I immediately, noticed that the money order for {$500.00} paper felt different ( thinner ) than the other with the amount of 290.with cents. I did n't say anything to them and left the store. like about two weeks later, my land lord where I live sent me a notification stating that the money order for {$500.00} according to his bank ( XXXX ) did not go through. My first reaction was to go back to the store but the cashier said that they could n't do anything about it and to contact the Western Union customer services. So I did, and Western Union representative suggested me to complete the receipt of the lost money order and that it was going to take up to 30 days to get a response. About 3 weeks later, Western Union sent me a letter with two copys of same money order 's tracking number stating, that the money order was attempted to cash two times. First money order copy that Western Union sent me back was not endorsed and was cashed on XXXX/XXXX/XXXX and paid to an unknown receiver. The second one, was completed by me endorsed to XXXX XXXX XXXX XXXX which was my landlord and was returned on XXXX/XXXX/XXXX. In the letter, there was no information whatsoever of the name of the person or company who cashed the money order. So I called back again to Western Union without any responses from their end to help me identify the person who cashed my money order instead, they would keep on saying " a letter has been sent to you back on XXXX explaining you what happened to your money order. '' Or " you have to check with your landlord and his bank ( XXXX ) and have then call us '' which I did. But they ( XXXX ) also said that they never cashed the money order. With the help of a low income legal law services, my situation was escalated to a case. The person who was helping me was able to identify that the money order that was paid was actually deposited through a phone app. Last thing I heard from this office was that my money order was probably deposited in a XXXX in XXXX. Since then, No one has helped me to identify who cashed my money order. Like never in my life I have felt so hopeless in a situation like this. I have copys of money order and the letter that Western Union sent me upon requested.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I just went to TJ Maxx n while I was checking out the lady asked me if I wanted to save 10 % withe the TJ Maxx Rewards Card. I said sure because it was referred to and marketed as a rewards card. I have zero credit cards and I dont want one or need one. She gave me a receipt n told me to call this XXXX phone number when I got home. I just called the number and some chic with synchrony financail answered. I asked her if this was a credit application. She said yes. I told her I had no idea I thought it was a rewards card like at the grocery store. She said no. I asked to speak with a supervisor and I was disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hard inquiry on my credit report thru TransUnion by XXXX XXXX whom I have NO BUSINESS with + have NOT CONTACTED for any reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: FL

Complaint narrative:
On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
They will not let me close my bank account. 
I tried closing it on the phone just now but can not reach a customer representative. 

I just sent a message on the website but I have no idea how that will work out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is the second time that this creditor, Synchrony Bank, has erroneously closed my account that it 's in good standing. A credit increase was granted and there were no issues for many months. Then, I received notice that the limit was decreased and subsequently without any notice, the account was closed within a couple of weeks. I called to inquire and once again, I was told that I called to cancel the account in XXXX of XXXX due to fraud. Interestingly enough, I was able to use the card in XXXX of XXXX. I never called with such requests and their representative, just like last time, insisted that someone called and verified all my credentials to close the account according to their records. They had the audacity to state that they verified that it was from my cell phone, the number on file, that they received such call. I informed that that I could provide them with a detailed call log that would prove otherwise. I informed them that this has happened before and requested to speak to a supervisor. This individual was able to confirm my suspicions. It was happening all over again. I 'm currently disputing two ( 2 ) fraudulent accounts on my credit report which have nothing to do with the others that are in good standing. For some reason, when the creditor receives this notice, which is not an account being disputed, they fail to properly conduct an investigation or confirm that the account is legitimately mine. I 've had this account for years now and I would like it to be restored to the last credit limit, the awards earned re-instated and a replacement card overnight to my address on file. I can not believe that a company behaves in such manner especially when payments are being made on the account. Do they think that a fraudulent account will be getting paid over the years? I wish that they would take better steps to verify the account prior to closing it without reason. If every time I dispute an account or an item on my credit report that has taken years to be resolved they close the account, they 're not doing good business practices. I understand that they have to protect themselves, but the consumers who keep them in business should also be protected. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Every time I pay XXXX the payments are not going through until later dates and every time I am charged late payment fee. This fraudulent activities were going on for a three or four months.

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