vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Received continuous harassing phone calls from XXXX XXXX XXXX for 3 months, leading to my filing CFPB complaint # XXXX in XXXX. 
XXXX 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the Equifax breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that XXXX XXXX XXXX had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to XXXX XXXX XXXX now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from XXXX XXXX XXXX with their followup documentation justifying (? ) their harassnment. XXXX has included a copy of a letter that Synchrony Bank sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 Synchrony Bank letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).

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 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
-- Debt collector XXXX collections, tax id XXXX ( XXXX XXXX ) amount due XXXX $ date invoice XX/XX/XXXX note : blood work done when i did have a medical insurance and the insurance was billed already for preventive test, already payed actions : Debt was send to XXXX XXXX XXXX XXXX date XX/XX/XXXX from creditor : XXXX XXXX XXXX XXXX XXXX : will send a negative credit report to the credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've attempted since XXXX of 2019 to remove fraudulent accounts from my report that was contributed to ID theft.I sent block request to all CRA 's XXXX and XXXX complied with the block request, however, Equifax did not. 

This will be the Complainant 's last request regarding this matter. Litigation will initiate if the problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I set up an Income Driven repayment plan in XX/XX/2019 and have made two payments with the adjusted amounts. When I went to pay my bill in XXXX, the Navient website no longer shows my adjusted amount, but the full amount I would be paying without the IDR plan. When I called, I was told this is a new thing they are doing and the larger amount reflects fees, even though I am not supposed to be paying late fees. This is not noted at all on my account and now there is no evidence of my income driven repayment plan on my account. 

I was told to go ahead and make the payments I had been and there would be no penalties, however, the website is going to say I am late on my payment. 

Why isn't Navient required to show me my income driven repayment information on my online billing?? This makes it more difficult to accurately and timely pay my bill. 

My adjusted amount is {$190.00} and now I am being told my bill is {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX, XXXX. 
Under Dispute XXXX XXXX XXXX Under Dispute XXXX XXXX SERVICING Under Dispute XXXX Under Dispute SXXXX XXXX XXXX Under Dispute XXXX  XXXX XXXX XXXX Under Dispute The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1955 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2020-01-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
A letter was sent to Equifax disputing an erroneous reporting. In the letter it was stated and proof was provided that the other two credit reporting bureaus, XXXX and XXXX are not showing as well as XXXX XXXX. Equifax failed to correctly validate the matter and continue to report false information. The investigation results they say they received as accurate was from XXXX XXXX. I have attached the XXXX XXXX report showing that there is no bankruptcy being reported by them yet Equifax somehow is showing XXXX XXXX as verifying this information. This is erroneous information and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have verbally and in written form, asked Navient to only contact myself regarding private student loans, and only on my personal phone number. I have sent a letter, via certified mail. Navient continues to harass my relatives, calling multiple times per day, calling numbers I have never provided, calling acquaintances of relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
On XXXX had a mortgage refinanced with United Wholesale Mortgage. On XXXX attempted to make first payment. On XXXX, XXXX and XX/XX/XXXXmade subsequent payments and prepayments all of which cleared. XXXX XXXX XXXX in-line payment system then began to process payments without a digit in my account number. This resulted in my bank not knowing which account to withdraw funds. When I inquired to XXXX, they stated it was my banks problem, which I was not. At their customer service departments direction I reset up my bank information, correcting the problem. Due to the multiple attempts to make a payment, my account was locked and I am being forced to make my mortgage payment by certified funds. This is expensive and not easy to do. My account t has never been past due and I have already made additional principle payments. There customer service, after multiple attempts, refuses to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
On XX/XX/19 when mortgage application process began I was strongly encouraged by XXXX XXXX, RocketMortgage, Quicken Loans to pursue FHA vs conventional loan to refinance my home due to current promotion that required no appraisal fee, cash from borrower at closing and my interest rate would be 3.3 %. On XXXX I received loan estimate stating my rate would be 3.49 % with {$790.00} appraisal fee rolled into my closing without explanation or other communication. I was unable to reach my loan officer as he was apparently on vacation for XX/XX/19 to XXXX. I thought well its the holidays maybe there has been some miscommunication. On XXXX I complained via message on message board about no information received by me regarding closing. On XXXX I received closing disclosure stating my closing costs had gone up approximately XXXX with near that amount required in cash from me prior to closing. This company which has mesmerized with sloth like efficiency and has completely misrepresented the offer I was accepting without communication or explanation. I reached out by phone today and was told XXXX XXXX would return my call regarding my concerns and have not been contacted. XXXX XXXX, Rocket Mortgage, and Quicken Loans have behaved with extremely poor customer service, business practices and without ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has taken {$88.00} from me between XXXX and XXXX of 2019, and refuses to correct the issue. The bank assured me that my account would not be charged monthly maintenance fees because I had a linked investment account, something that was reiterated multiple times when I called in to confirm after the fees started. Despite my complaints, and burden of evidence proving they are implementing this shady practice, they are refusing to refund my money or work with me in any way. What's more, when I called in to have this corrected, I was hung up on by the " supervisor. '' Avoid BofA. Years of sneaky fees, rude customer service, and shady practices make me glad to move on from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of ProCollect located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency XXXX & also the XXXX XXXX XXXX, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company ProCollect has over two-hundred and forty complaints on XXXX XXXX XXXX Website and all consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold ProCollect responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, ProCollect placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting ProCollect to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in 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 2020-01-07 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: TN

Complaint narrative:
I sent multiples letters to the bureau for account MISSISSIPPI XXXX XXXX XXXX stating the information is unverified and I also asked for proof of a sign document but never received any documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
- On or about XX/XX/XXXX, I called about my Citi Premier card because the annual fee was due and I could not justify it. The agent changed the account into a no annual fee Citi Rewards+ card and said that the new card should be arriving via mail. 

- On or about XX/XX/XXXX, I logged into my Citi account and noticed that there had been 5 transactions between {$900.00} and {$990.00} on the card. I had not received the new card, so I called Citi to alert them of the fraudulent transactions. I also flagged the transactions as fraudulent online. The Citi agent canceled the card and said a third card would be sent by XXXX / XXXX. I received the third card. 

- On on about XX/XX/XXXX, I received a call purporting to be from Citibank asking me security questions. I was not sure if it was indeed Citibank, so I hung up and called them back a couple of hours later. I asked to be connected to the Fraud / Security department and spoke to an agent who had a few questions for me. It was an offshore call center so there was an issue with communication, especially in explaining that the card on which the fraudulent transactions happened never reached me by mail. Nevertheless I explained this a couple of times to avoid confusion. 

- On XX/XX/XXXX, I received a letter from Citi Security Services Department saying that they have completed the investigation and found me liable for the purchases because I had confirmed that I was in possession of the XXXX card. I had in fact communicated multiple times to Citi that the card never reached me. I have never been to a XXXX store, never mind spending exactly {$900.00} and {$990.00} in 4 different XXXX stores in a week! For some reason, Citi insists that the charges are valid. I've tried reaching out to Citi but to no avail

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 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: IA

Complaint narrative:
Repeatedly call and text me and people I don't even know. Told them to stop and the guy said he didn't have to.

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has consistently charged overdraft fees to my checking account when I have declined overdraft protection on my account. I have notified this banking institution and spoke with three different representatives who have confirmed that an overdraft fee will only be applied if the delinquency is not paid within 24 hrs of occurrence. On XX/XX/19 a payment was made to XXXX XXXX XXXX ( credit card ) the funds were debited from the account and two days later I incurred an overdraft fee. Based on the information I received from their representatives the balance overdrawn was paid the same day yet I incurred an overdraft fee of {$35.00} two days later for a service I have declined. I requested to be refunded and received a partial amount as a courtesy as mentioned by Wells Fargo. 

Again, this same situation has occurred on XX/XX/19 whereas I made a payment to XXXX XXXX ( credit card ) and it was debited from my account within the early hours of the next day. Funds were applied to cover the balance and I received an overdraft fee two days later. This is a consistent bank error that I am requesting be investigated plus be refunded the full {$35.00} overdraft fee and remaining partial refund of {$17.00} of both transactions. If this matter is not handled with integrity, I will pursue this further by seeking legal representation to get this resolved permanently.

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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