vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: FL

Complaint narrative:
I am very disappointed with Lowe 's Synchrony Bank. Every time that I get a promotion they like to join all the purchases in one statement no matter the amount, date and year. Today, I was checking my statement and I notice interest charges, I called customer services and Ms. XXXX said that I did not have any interest charges unless I pay late or I went over the time. So, I end the call and I went back to my statement, but I went to see the second page and I noticed they really were charging interest in one of the account. I called back, the another member answer Mr. XXXX, I explained to him and asked whey they were charging interest on that statement because I always pay on time and I pay more then the minimum payment, so I don't pay late fee or interest. I was astonished when he said that I had called then and they recorded that I requested to change one of my special promotion to be regular and that is why it was a charge of interest. I was so upset and I told him that I need that recorded request and I need it to speak with a supervisor. So, he transferred me to the supervisor Ms. XXXX and I explained to her what Mr. XXXX said to me. Then she put me on hold and when she came back, told me that was a mistake from them, but she could not give any credit of the interest they have been taking every month on these promotion accounts because is been for a long time they have been charging this. I told her that was not right because it was not my fault, but she said she felt sorry, but nothing she could do. I asked again, nothing at all, then she said well I can give you the last two month of {$6.00} and I told her, you all have been taking {$3.00} every month and she repeated again I am so sorry but nothing I can do. This is not the first time they do this. They do the mistake and we as customers we pay for their mistakes. Very bad. I don't know if I am going to use any more that credit card and the thing is that Lowe 's does not give any support to their customer on this kind of situation. I also, called Lowe 's, but they said nothing they can do because I need to fix this with Synchrony Bank. This Bank is locate at XXXX. XXXX XXXX and their number is XXXX. I put a complain at XXXX but hey have a request from Synchrony Band to ask the customer to get in contact with Synchrony Bank before. I did put the complain, but I saw on XXXX a lot of people had put a complain on XXXX and no resolution with this Bank.

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 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit card payment in XXXX was due on XXXX XXXX. I made the payment, and paid off the outstanding balance on XX/XX/2020. However, i was assessed an initial late fee on this payment as i made it at XXXX and evidently the cut-off time is XXXX. When i learned of the fee, i immediately called to have it removed as i do not feel this is appropriate, and all of my other credit cards have a cut-off time of midnight of the due date. 

When I called to have the initial {$26.00} late fee removed, I thought the issue was resolved, but all they waived is the interest. That didn't make any sense to me and i refused to pay the {$26.00} fee on the XX/XX/2020 payment, and again paid the balance off from actual charges. This time they charged me a {$19.00} late fee because i didn't pay off the previously owed {$26.00} late fee. So basically they are pyramiding late fees. 

In XXXX I called again to discuss the late fee issue and explained that when the only balance is a late fee ( that never should have been assessed ) and they are assessing additional late fees that is a deceptive act and potentially illegal, depending upon State law. 

The Customer Service Manager stated she couldn't do anything because that is how their system works with cut-off times, etc. and that she can't waive late fees, and that a late fee is part of the principal balance owed. I told her that was nonsense, as I should have been able to make the payment due in XXXX up until midnight without being charged a late fee. 

I went ahead in XXXX and paid the {$46.00} in late fees because i did not want anything reported to Credit Reporting Agencies ( CRA ) that would negatively impact my Credit Score or rating. However, I feel this is a predatory and abusive practice and want the {$46.00} refunded to my account. Additionally, I want any negative reporting to the CRAs to be reversed. 

Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Today, I received a Civil Court Summons from the law firm Forster & Garbus LLP ATTY for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which Forster & Garbus posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release. 
I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports. 

Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports. 

Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Yesterday, XX/XX/XXXX a charge appears for {$280.00} yet I made no purchase yesterday. So I call them and as they are explaining to me what happened they hung up on me. I call back and speak to a XXXX who says they can't get details about the charge so I say why did the earlier rep have ability to access it. So I ask for a supervisor and none is available. So they waste an hour of my time and I have no more info. What a XXXX company.

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 2020-10-28 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:
I was charged 2 overdraft fees ( XXXX XXXX XXXX for transactions ( {$8.00} and {$8.00} ) dated XXXX. My ending daily balance for XXXX was {$7.00}. Wells Fargo is charging these 2 overdraft fees based on pending charges that are dated for XXXX. The charges that are labeled as pending transactions and have not cleared my account and I can always make a deposit that would have covered these 2 charges that are currently pending. Or those charges could fall off. They have not cleared my account. I don't feel I should be charged overdraft fees based on charges that haven't cleared my 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 monetary relief
Consumer complaint received 2020-10-28 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: AZ

Complaint narrative:
Navient has a practice of stating a loan is past due on the due date. This practice results in the next monthly payment being added to the amount due and records the " on time '' payment a day later, as if it was late. This also cause confusion and anxiety when you knowingly pay your bills early or on the due date and you open the website to find that it says you are past due and owe double. For example, I have 2 loans due on the XXXX of the month, and if I enter to pay on the XXXX of the month ( I do this before noon so there is no doubt that it was early enough to not be the end of a business day and to account for different time zones ), my statement says my loans are past due and the amount due is double. Further, when I make the payment, it posts the payment the next day, as if I was late making the payment. If a payment is due on the XXXX and paid on the XXXX, it is not and can not be a late payment. If a payment is due on the XXXX, it can not be late until the XXXX. I have reached out to Navient and asked them to stop this practice as it is deceitful and anxiety causing. Navient 's response was to say the payment and posting of the payment must be on the XXXX. Navient decides when the posting happens, in spite of making the payment early on the XXXX ( before noon ). Navient 's response does not address why the live website states the payment is late on the day it is due. And, even if paid on the due date, the payment will not post until Navient decides to post it. Therefore, even if a borrower pays on the due date, Navient will post on a different date, which gives the appearance of the payment being late. Also, stating that a payment is late on the due date and showing the current and next month 's payments as " Due '' results in many borrows believing they owe double for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Beginning with my Specialized Loan Servicing ( SLS ) statement dated XX/XX/XXXX, the payment amount due apparently increased while I continued to pay the previous amounts that I had been paying through an automated payment system. This new " amount due '' increase seemingly caused a shortage in my monthly payment amount. In XX/XX/XXXX, SLS began retaining a " suspense '' account as I continued to pay my regular monthly payments. Each month there were fees and late charges added and a continued 30 day late notice was also added to my credit report. These suspense holdings continued for the next several months ( from XX/XX/XXXX thru XX/XX/XXXX ). Each of the concurrent months also added an additional 30day late notice to my credit report. Once such suspense holdings was recognized, I promptly made the necessary payments to bring the suspense holdings into current payment status and have not had an issue since and remain in good standing. Attached please find documents that support the above statement. The statement file labeled and dated XXXX shows {$0.00} in the " suspense '' category ( located in the first box on the right beneath the property address ). Beginning with attached file and statement dated ( XX/XX/XXXX ), you begin to see the suspense holding numerically populated. In this XX/XX/XXXX statement, suspense holds ( {$1500.00} ). This continues in each consecutive month thereafter with varying amounts being retained and reported until we reach the XX/XX/XXXX statement that shows a XXXX. At some point between the XX/XX/XXXX and the XX/XX/XXXX statement, the problem was recognized and immediately rectified bringing the " suspense '' to {$0.00}. Had my payments been " rejected '' and not accepted and held in " suspense '' without my knowledge, I would have recognized that the payments had not been processed and made the necessary corrections immediately. These tactics are undoubtedly attempts to charge extra service fees, while simultaneously damaging a consumer 's credit reputation. I am requesting that Specialized Loan Services remove the 30 day late notices from all credit reporting bureaus dated from XX/XX/XXXX thru XXXX of XXXX for the reasons explained above. Thank you in advance for your assistance with this matter. 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 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$7000.00}

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 2020-10-28 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$7000.00}

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 2020-10-28 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: CO

Complaint narrative:
There are three problems that occurred : 1 ) My mortgage company, XXXX XXXX, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has XXXX past due, which caused my credit score to drop by over XXXX points. It's outrageous.

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 2020-10-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company named chase keeps putting on my credit report that I owe them money for card I have never had

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a long time customer of Equifax for their " Equifax XXXX XXXX XXXX ''. I paid a monthly fee of {$29.00} from XX/XX/XXXX through XX/XX/XXXX. I called Equifax today to cancel the plan because I realized that I wasn't using their service and wanted to save the {$30.00} a month. While looking online at Equifax 's products I saw the " Equifax XXXX  XXXX XXXX '' is available online for {$19.00} a month. 

I called Equifax back and asked how long that I had been overcharged and if I could get a refund for the {$10.00} a month I've been overcharged. I got various explanations from the two customer service reps I spoke to. One was that the {$19.00} price was a promotion that goes up to {$29.00}. The details on the website do NOT state that the price will go up. The other rep explained that this price was only for new customers. Neither was willing to give me a refund or tell me how long I had been overpaying for this product. I assume that every client of this Equifax product could save {$10.00} a month by cancelling and re-applying for the product, but Equifax is not doing this on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
Company named XXXX  keeps putting on my credit report that I owe them money for card I have never had

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