vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX XXXX along with Convergent Outsourcing. Has stated that i owe {$1100.00} as of XXXX. I had their service in XX/XX/XXXX. All equipment was turned in. Spoke to XXXX Monday. They said that even though the equipment was turned in i still owe {$1100.00} and since the account went to collections. I was charged an additional {$350.00}

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 2019-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To who may concerns this is happen on XX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets with XXXX XXXX for my parents coming from XXXX XXXX to XXXX XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing both tickets i got an email from XXXX says XXXX change the layover to 13hrs instead of 3:05hrs so i called XXXX to ask them what happend i got the answer back those changes were made from XXXX   XXXX  and XXXX  only third party i was on the phone with XXXX  for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XXXX representative they are unable to refund the transaction they have to reach out to XXXX XXXX which they did and XXXX XXXX refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX XXXX dated on XX/XX/2019 so my parents did not traveled on XX/XX/2019 with XXXX XXXX they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX  and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's my right i spoke with XXXX bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerely XXXX XXXX the fair resolution for this matter i should not be getting charge back because as a consumer i did what i spouse to do i had give them enough time i reported the transaction before the travel date to take action but unfortunately no body worked on my case that i reported to bank of america merchant services if i was advised from the bank of america credit card representative that they were unable to protect their clients from XXXX XXXX scams i would never went and reserved another tickets with different airlines

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I opened a line of credit with a " no credit check '', " open credit check '' company named XXXX at XXXX. When I opened the line of credit with XXXX, it was sold to me as a no-credit lease to own type of program, that acts like a credit card. I verified with the sales associate multiple times that they do not report my account to the credit bureaus as I did not want to affect my debt-to-income ration. I needed a computer after mine failed and needed it asap as at the time I worked from home. I carefully reviewed many options including traditional credit sources and purchased with XXXX as the representative stated that I would have to manually fax a form in to get my credit info, and turn it in to the respective bureaus for credit. They have since reported multiple months to the credit bureaus, and even though they are reporting good credit history, I accepted the loan under the premise that this account not be shared with the three major credit bureaus. I have attempted to call and speak to a supervisor multiple times and only am afforded the opportunity to speak to a low level employee in a foreign country. I have been consistently promised a call back to resolve the matter, and it still goes unresolved. This company is using dirty tactics to get business and I believe is either unethically or illegally taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
I graduated in XX/XX/2016. My grace period ended 6 months later. I promptly enrolled in NAVIENT 's auto-pay feature and have made my payments on time and in-full ever since. 

Lately, I have been focusing on my loan with the highest interest rate. After logging in recently, I noticed that the principle balance on this particular loan has not decreased appreciably since XXXX. The minimum payment on this loan is ~ {$330.00}. Yet, when reviewing the payment summaries for XXXX ( XX/XX/XXXX ) and XXXXr ( XX/XX/XXXX ), only ~ {$94.00} in interest has been applied. 

NAVIENT is misallocating my payments among my lower interest loans while preserving the principle balance of my higher interest loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
gateway one lending repossed my car back in 2016 however i was never sent anything in the mail on how to get my car back nor did i ever receive a letter of it being sold and the balance that was owed now on my credit report it states sold charge off however they are still reporting it as a collection every month on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
CREDIT KARMA, I CAN NOT ACCESS OR DELETE MY ACCOUNT. 
THEY HAVE NO PHONE # TO TALK TO ANYONE. 
I HAVE SUBMITTED A FORM WITH MY PROBLEM AT THEIR SITE. 
I SAW THAT PEOPLE HAVE NOT BEEN GETTING A REPLY FROM CK WHEN SUBMITTING EMAILS TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Over the XXXX XXXX weekend I completely paid off my Bank of America credit card to the tune of {$7500.00}. We're in the process of paying off all of our debt and I called BofA to ask about transferring some balances to my newly paid off card. The woman I spoke with was more than happy to help me until I mentioned my husband. We're a XXXX couple. Immediately her tone changed and she made a XXXX remark. When asked about household income she said only my income and not my husband 's income was a factor, and then she put me on hold. When she returned she informed me that BofA no longer wished to do business with me, no longer valued me as a customer. In all of my years I've never missed a payment. I believe I was terminated as a customer because I'm XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: RI

Complaint narrative:
this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " First Progress has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXXXX/XX/XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account.

6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX  a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to XXXX  they report " on time '', on XXXX they report to XXXX  a " 60 days late '' and to XXXX  they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal has repeatedly lied to me about the refund I should have received days ago. XX/XX/XXXX they said I would have my money by XX/XX/XXXX or in two days. Then they said I would have it by XX/XX/XXXX ( holiday ) = XX/XX/XXXX. I contacted PayPal numerous times asking where my money was. They gave me different answers each time. I don't think they know where my money is. I'm tired of them lying to me. 
Details : Transaction ID : XXXX Sale date : XXXX XXXX PDT XX/XX/XXXX The seller issued a refund for {$670.00} I was told I would have the refund in two days. 
XX/XX/XXXX PayPal over telephone assured me I would have my refund by XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Body Only ) Item # : XXXX Sale price : {$600.00} Quantity : 1 Seller : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " XXXX XXXX has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXX of XXXX. 
NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account. 
6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to Transunion they report " on time '', on XXXX they report to XXXX a " 60 days late '' and to Transunion they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.

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 2019-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX one of them XXXX XXXX and it was some other businesses and companies that I applied for a credit card and they denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount of {$540.00}. Please provide contracts, copies of actual bills and a signed copy of agreement to Transworld that legally bound Transworld, to collect anything on behalf of this account. I do not believe this charges belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: GA

Complaint narrative:
I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX  XXXX of a suspected XXXX  or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 
5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019, I went into a U.S. Bank branch to open up a U.S. Bank Business Silver Checking account along with a U.S. Bank Platinum Business Money Market Account. There was also a promotional offer where I would receive {$400.00} bonus if I deposited {$5000.00} in new money into the account within 30 days. On XX/XX/2019, I made my first deposit of {$3000.00} and I made another deposit of {$2000.00} on XX/XX/2019. The flyer states that I will receive my bonus within 45 days after deposit verification. From XX/XX/2019 to XX/XX/2019, it has been 76 days. The banker who helped open my account made certain that the promotional code he entered was correct, but I'm unsure why there's such a long delay of my bonus posting. Also, the banker mentioned that there would be three statements worth of fee waivers for the U.S. Bank Platinum Business Money Market Account, but I've been assessed the second and third statement fees on XX/XX/2019 and XX/XX/2019, respectively. I contacted the banker and he said he'd get back to me once he hears back, but I haven't heard from him since.

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 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Danco Financial Services, LLC
State: TX

Complaint narrative:
When I purchased this vehicle the sale price was {$10000.00}. I put {$1800.00} down ask somehow the company reported a balance of {$14000.00}. This is NOT CORRECT. After they sold the vehicle, it now shows a balance of {$8100.00}. My interest rate was 28 %. Please remove this account from my credit report immediately as this incorrect information has caused me a lot of emotional distress and higher interest-rates with other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

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 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Just wanted to connect my bank account to the XXXX  app to assist with possible boost of my credit score, since I use this account to pay my water, electric and mobile phone service via Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
I have requested on several occasions to have PMI removed due to the value of my home is sufficient to lower the mortgage value to 70 % or less of the homes current value, and the lender has refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I have been with 4 different companies. Have paid them thousands of dollars up front and my loan amount is still the same. I have been out of school for over 10 years and have paid more in interest than my actual student loan amount.

Company response to consumer: Closed with explanation