vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XX/XX/2018 I learned that a payment that I sent to Synchrony for Care Credit through my bank wasn't received properly. So I noticed that the company offered a multipay option. I knew the payment due date was the XXXX of the month, so in XXXX I scheduled a payment for XX/XX/2018 for the XXXX payment, and another payment XX/XX/2018 for the XXXX payment, and scheduled payments for the XXXX of each month, scheduling payments sufficient to pay the entire balance. 

I logged into the account and noticed the balance was higher than it should have been, and that is when I realized that I was being charged a late fee for each month since XX/XX/2018. I made a payment XX/XX/2018, for the XXXX XXXX payment, but it wasn't credited to the account that way, and instead the company is showing the XX/XX/2018 payment, and a late fee. This continued for the XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and the XX/XX/2018 payments. 

I have reached out to the company about this issue and they will only remove 1 late fee, but with a {$38.00} late fee being charged every month, they have charged hundreds of dollars in fees for issue that started when I intended to make my payments early several months ago.

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 2018-10-03 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: GA

Complaint narrative:
I have tried on multiple occasions to try and get information correct on my credit report. XXXX  continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and Equifax concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: GA

Complaint narrative:
I have tried on multiple occasions to try and get information correct on my credit report. Experian continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.

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 2018-10-03 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: AES/PHEAA
State: MA

Complaint narrative:
I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This bank and bank representatives, continue to use reprisal/retaliation and harassment while intentionally mismanaging my personal checking account. Today, XX/XX/2018, there is a negative balance in the amount of $ XXXX due to this bank ( and bank representatives ) ongoing and malicious mismanagement of my personal account ( in an effort to force me to close my account ). I will NOT be closing my personal checking account. I will NOT be paying the said - {$68.00} negative amount. I will continue to file complaint 's ( and legal action ) until this bank decides to CEASE and DESIST their ongoing, tolerated and unlawful practices against me and my personal checking account ( DISCRIMINATION based on reprisal/retaliation, harassment, age, sex,  XXXX, race and nationality. With an " exception '' to my previous CFPB filed complaint 's, this bank ( and bank representatives ) have repeatedly and intentionally mismanaged my personal checking account ( See Check # XXXX ) on XX/XX/2018 XXXX Balance : {$100.00} ) ; Check # XXXX " again '' on XX/XX/2018 ; and todays, XX/XX/2018 negative balance of - {$68.00}. Just yesterday, there was a pending transaction posted to my personal checking account in the amount of - {$24.00}. Today, XX/XX/2018, the " exact same '' - {$24.00} is now posted as a positive {$24.00} ( " XXXX XXXX XXXX ID : XXXX ACH posted credit '' ). Further, this bank consistently sends NSF text message 's to another persons cell phone. Therefore, continuing to violate my right to " privacy ''. ALL supporting documentation will be sent to the CFPB via fax. ANY and ALL information in this filed complaint, is strictly for the purpose of the CFPB ( NOT, to be compromised, transferred or published by this bank, bank representatives ( or bank subsidiaries ). THE END!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
XX/XX/2018 -Bronstein & Weiss contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called Bronstein & Weiss -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -Bronstein & Weiss contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted Bronstein & Weiss -I  requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
XXXX appears to be improperly handling or informing me about my re-certification for IDR. Basically, XXXX keeps sending me false messages about missing information on my re-certification for my federal paycheck and yet I gave them everything. These automated e-mails are becoming annoying and I want this fixed. I finally was able to reach out to XXXX ( XXXX ) on XX/XX/XXXX who finally straightened everything out after the fourth time calling. However, she still provided the canned responses that " we can't assume anything '' or " you were missing the frequency of your pay '' for a federal paycheck, something known to be always " BI-WEEKLY '' unless told otherwise. They can't even take the annual salary on the form and figure it out there either. The worst of it is rather than a super generic e-mail they send to everyone, they could have just called me and resolved this minor issue in 5 minutes. 

My previous calls to agents told me that I was good and that I had submitted everything properly in the last 6 weeks, and yet this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I saw several transaction notifications in the morning of XX/XX/2018 on my XXXX account. I did not make or authorize any of those transactions. I attempted to contact XXXX immediately but the Customer Support was not open. I changed the password of my XXXX account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The XXXX agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe XXXX {$1400.00}. I called XXXX again the same day and asked why I received the notice. The XXXX customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the XXXX account still shows - {$1400.00}. 

Whenever I try to call XXXX customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to XXXX customer service.

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 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I have not received documentation regarding what debt is for or its authenticy. Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc.
State: NJ

Complaint narrative:
Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: United PanAm Financial Corp.
State: NC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to pay the remaining principal balance on a {$55000.00} home-equity line of credit for a home I own. Nationstar/Mr. Cooper Mortgage received my HELOC loan from XXXX, who originated the loan. 

I was told I would not be allowed to pay the loan off in full unless I paid a {$2300.00} " escrow advance '' for force-placed hazard insurance with policy dates covering XX/XX/XXXX until XX/XX/XXXX. 

My HELOC maturity date is XXXX XXXX, XXXX. I was prepared to pay the outstanding principal, interest, and document fee ( {$55.00} ), but not the required total {$2300.00} for the force-placed insurance. 

A Nationstar/Mr. Cooper representative just told me I was mailed a notice about force-placed hazard insurance on XX/XX/XXXX, more than two weeks after the coverage I am being billed for supposedly began. The {$2300.00} coverage was force-placed by Nationstar/Mr. Cooper on XX/XX/XXXX. 

I was not told this {$2300.00} would be due at loan maturity. I was clearly not given adequate or timely notice, and I have been given only one option : take it or become delinquent. 

Nationstar/Mr. Cooper representatives inform me I can not pay off my HELOC unless I pay the {$2300.00}. I am a XXXX veteran of the United States XXXX XXXX XXXX, who served in numerous ground combat engagements in XXXX XXXX XXXX XXXX, and I am unable to pay the {$2300.00}. 

Nationstar/Mr. Cooper representatives have stated flatly the company will not work with me at all toward paying the balance. They said my account will become delinquent and I fear I may lose the home to foreclosure proceedings. 

The way Nationstar/Mr. Cooper has handled this seems highly unethical at best and is certainly poor business practice. This is demonstrably a predatory move to gain access to my property by a business with a long history of bad lending practice. This is a practice from which consumers need to be protected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I saw several transaction notifications in the morning of XX/XX/2018 on my PayPal account. I did not make or authorize any of those transactions. I attempted to contact PayPal immediately but the Customer Support was not open. I changed the password of my PayPal account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The PayPal agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe PayPal {$1400.00}. I called PayPal again the same day and asked why I received the notice. The PayPal customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the PayPal account still shows - {$1400.00}. 

Whenever I try to call PayPal customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to PayPal customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: MI

Complaint narrative:
On my motor vehicle report sent to me attached in the same email as the link to this form, it is alleged I have two failure to show insurance from the year 2018. This is untrue, the only ticket I received was in XXXX, the o ly issue that would make me think there is reason behind the error stating I received the sa e ticket on XX/XX/XXXX I beleive? Is because there was a XXXX $ discrepancy after paying the ticket I received in XXXX, w To which I paid the remaining balance and there was no issue. 

So I am.reporting my mvr in 2018 is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness.  My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX   XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX   provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3.  They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7  %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TX

Complaint narrative:
On or about XX/XX/2018, I, XXXX XXXX, went to a club in XXXX. When I tried to pay, my wife was notified by the Citi Bank credit card company.  My wife, XXXX XXXX, did not know I was there thus put an immediate freeze on the credit card. 
Due to that freeze on the Citi card, and once I made my wife aware it was me making the charge, we were unable to immediately release the freeze on the Citi card to pay my tab, so we used XXXX XXXX, a friend 's, credit card to pay the FULL tab. 
( Of which I have an email confirming the payment and communication with the bar manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas ). 

XXXX and I noticed a couple days later that our Citi credit card still showed the transaction as " pending ''. So we both called Citi Bank and discussed with them that the charge for the Club should not go through because 1 ) Our Citi card was frozen, and 2 ) we had proof ( in an email and with receipt ) that the payment was, in fact, made with another credit card ( XXXX XXXX ). So we submitted a formal dispute with Citi.

Citi recently emailed XXXX to say that they would not stop the payment to the Club. 
That is exactly why we are filing this claim. Our card was frozen and the payment was already made with another credit card, thus Citi should NOT charge us. 
We feel that Citi is taking egregious advantage of us.

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