vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: NV

Complaint narrative:
I borrowed money over the phone. I borrowed {$1400.00} on XX/XX/2019, after being assured that if I paid it back on XX/XX/XXXX that the total payoff would be {$1500.00}. I was told that I could pay it off early on any day by calling one day in advance. I called on XX/XX/XXXX and was told that the loan would come out of my bank acct on XX/XX/XXXX, three days later NOT THE ONE DAY I WAS PROMISED. I was also told that the payoff was now {$1600.00}, NOT THE {$1500.00} I WAS PROMISED. I was totally lied to in the origination of this loan. I was told the origination phone call was being recorded ... ..yet the Company has refused to review the recording and adjust to what was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX through XXXX XXXX and Associates of XXXX Georgia have recently garnished my paycheck on XX/XX/XXXX and XX/XX/XXXX for a debt that was already satisfied by XXXX XXXX/month consecutive payments made first in XX/XX/XXXX through XX/XX/XXXX. I have my cancelled checks as evidence. It would appear that once i satisfied the debt, the debt collector had a responsibility to file the appropriate dismissal with the same court they filed the suit in. This unlawful garnishment has caused me and my family immeasurable pain as I had my home on the market and was under contract for my new home when I was made aware of the garnishment.

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 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have been called several times repeatedly for owing a bill that is old and should have already been deleted from my credit report but theyre constantly reporting it as recent. Ive been told that if I dont handle the matter that they will go to the next step in a threatening manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 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: PA

Complaint narrative:
I was notified by e-mail and telephone by Citi bank that my card was used for fraudulent charges. They read the list of charges and asked if i made them. I reported the ones I did make and they said the others would be removed. All fraud charges were made in California and we are in PA. They removed all but one fraud charge and that one was  made made on XX/XX/XXXX for {$50.00} to a company called XXXX in California. This is shown on the attached statement. There were three charges to this company by the hackers. Citi removed 2 of them and sent a new credit card with a new number. 

Since then, the {$50.00} charge remains as on XX/XX/XXXX. It is the only balance on the account plus they are charging us interest now on the {$50.00} which they also promised to remove. We have called Citi 8 times, The first XX/XX/XXXX the last on XX/XX/XXXX for 1 hour and 10 min. Each time we called we spoke to at least 3 people. One time they said they needed to send a new card so they sent another one. Each time they said the charge was to removed in 5 days and we are not to pay it. The {$50.00} remains and now they charge interest.. The only response we ever got was the e-mail sent in XX/XX/XXXX as  attached.. We also sent 2 letters to customer service and NEVER got a response. The last letter we sent them is attached. We don't know why they wont remove this charge and why they wont even respond to us. 

They also refused to close 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 monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascendium Education Group
State: DC

Complaint narrative:
I have received these fraudulent Credit collections on my XXXX Credit Bureau Report from ASCEDIUM EDUCATION/NAVIENT/USA FUNDS. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: CL Holdings LLC
State: CA

Complaint narrative:
Dates : Every 30 days, every month Amounts : $ XXXX- {$1200.00} Collections agencies are reporting accounts as " late payments '' on a monthly basis in violation of FRCA 611 ( a ). 
I have attempted to file disputes with the bureaus but the response is that the accounts are in compliance with FCRA and i'm not sure what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
this student loan company called nelnet has bought my student loan acct, the problem is that i have asked for forbearence and derfermehnts in the years XXXX,XXXX,XXXX,XXXX. my recent credit should be good and payments up to par, no past due. instead the company has my credit with past due., i have followed the procee and made the companyies awre of thier worngfull reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: AES/PHEAA
State: NC

Complaint narrative:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
FIRST INVESTORS SERVICING CORPORATION is reporting fraudulent debt on the credit report of 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 2019-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: IL

Complaint narrative:
Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ). 
-The date of service for the original bill from XXXX was XX/XX/XXXX. 
-XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted. 
-On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt. 
-I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have received these fraudulent Credit collections on my XXXX  Credit Bureau Report from XXXX XXXX/NAVIENT/XXXX XXXX. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
The balance on my XX/XX/2019 credit card ( ending XXXX ) statement was {$20000.00}. XXXX of this was 0 APR balance transfer. The rest is {$640.00} for purchases and fees. 
I paid XXXX dollars for this statement. XXXX dollars ( more than what I paid ) is applied to the 0-APR. So my 0-APR balance decreased by XXXX dollars. The high APR part is increased from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 I transfer {$1300.00} through XXXX from my bank account and website.. The transfer was for service in XXXX that I never received. I contacted my bank and after an alleged investigation, they told me I have to speak to the recipient directly.. My bank introduced and promotes XXXX so I trusted them.. .. my bank has the information for the recipient and just like a disputed transaction, I thought my bank would help. Let the recipient provide proof of service or something.. I feel totally let down especially since it happened on my birthday and my bank has never given me reason not to trust them.. 
Be aware of XXXX Promoters offering services

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 2019-08-03 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: FL

Complaint narrative:
Experian currently reports two outdated, delinquent accounts. The original date of default for each account is XX/XX/XXXX, more than thirty years ago. 

The amounts of the original debts are {$1500.00} and {$2200.00}, respectively.

These accounts are reported in contravention of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 4 ), which prohibits the inclusion of " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' [ 15 U.S.C. 1681c ] In XX/XX/XXXX, both items were disputed with Experian. Experian 's response was to " confirm '' the information with the collection agency and to continue to report the outdated information on my consumer credit report in violation of the FCRA.

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 2019-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Student Loan Care, LLC
State: CA

Complaint narrative:
XX/XX/2017 I made a mistake of taking services from a company called Student Loan Care LLC. They charged me XXXX dollars a month to lower or erase my debt but I found out later that they can't do that. I am stuck paying them and my credit score is not good cause of there account. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: NC

Complaint narrative:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

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 2019-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 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: NC

Complaint narrative:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

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 2019-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Complaint against Marcus Goldman Sachs online savings bank. 

I was trying to open a Marcus Goldman Sachs online savings account. I completed my application by entering my name, address, date of birth, social security number, etc. However, my application was declined for no apparent reason. So I decided to place a call to its customer service in an attempt to find out why. I was told by a supervisor that the reason my application was rejected due to them unable to verify my identity. When I offered to provide my state ID to confirm my identity, they refused. The supervisor said Marcus does not perform additional identity verification check. That seems strange to me. Why a bank does not want a customers money? Why they dont even try to verify applicants identity? All of the information I provided are sensitive personal information which can be used to commit illegal personal identity frauds. I suspect this online division of the banks real business is collecting peoples personal information then later sell it for money. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was using paypal with an account with the email XXXX. Few days ago paypal limited my account and i am not able to withdraw any money to my verified bank account. Paypal sent me an email explaining to lift the limitations on my account and able to withdrawn money to my bank account i had to send in my photo id, social security number card and proof of address. I sent in my driver license as proof of photo id, my social security number card which is the same social security number listed on the account as well as my credit card statement for proof of address which is the same address listed under the account. All 3 documents was rejected. i called and was told my account is permanently limited and not able to withdraw any money from account and that i  need to wait 180 days. The account has money in it. The money from the account all came from my XXXX sales which has already all shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a sofa from a catalogue at XXXX XXXX XXXX on XX/XX/19 that was scheduled to be delivered on XX/XX/2019 using Synchrony Home credit card. The cost of the sofa was {$1500.00}, including a {$60.00} bank fee. The sofa was not delivered on XX/XX/2019 as contracted nor was I informed that there would be a delay in delivery. I called XXXX XXXX XXXX onXX/XX/19 to find out when my sofa would be delivered as it was already pass XXXX. I was told to call back Monday. On Monday XXXX XXXX XXXX informed me that the order was never processed and it would take a week before I could get the sofa. I couldn't wait a week for the sofa so I canceled the order. XXXX XXXX XXXX refused to give me a refund because they noted that on the receipt that the item was a final sale. This surprised me as I was not informed during the purchase that a sofa that I could not visibly see was a final sale. I had not purchased the sofa at a discount price or lower than cost nor was I able to see the sofa in store so it was not a final sale item. 
Nevertheless, I informed them that since they had not delivered on the scheduled delivery date and had not provided me with a delay notice, the contract was voided. Ive tried disputing the charge with Synchrony Home. I've asked Synchrony Home to request proof of delivery as they should have done under the Fair Credit Billing Act, but Synchrony Home sided with XXXX XXXX though they knew I have not received the sofa. Synchrony Home refused to request proof of delivery. 
There was also another charge for {$210.00} from XXXX XXXX XXXX, which I disputed with Synchrony Home informing them that I have not made any additional purchases with XXXX XXXX XXXX. I requested that Synchrony Home attain proof that the purchase was authorize by me from XXXX XXXX XXXX. I started the dispute onXX/XX/19 and still have not received a conclusion to the dispute though it's pass 60 days.

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 2019-08-03 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX Exeter Finance Corp was suppose to take a schedule payment out for {$260.00}. On XX/XX/XXXX I received an alert on all of my credit monitoring software stating that my account was past due on payment. I was never notified by mail, email or phone that my account payment didnt go through. So I did my own investigation and found that Exeter Finance Corp had technical issues and kept declining my card payments. Because I called my Credit Union and they allowed the payment through but Exeter Finance Corp was declining it. This is the second time this had happened. The first time was on XX/XX/XXXX. I was told last time that there was nothing they can do but these false late payments are dropping my credit score 100+ points while I am in the process of rebuilding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
My payments to Nelnet are due on the XXXX and the XXXX of each month. ( I have Parent Plus Loans for my XXXX children from XXXX XXXX, XXXX XXXX and XXXX University, XXXX ). I pay my loans mid month due to the different pay dates on the loans. I usually pay more than what is asked. Last month I paid on XX/XX/19. It said I owed {$1600.00}. I paid {$1700.00}. I even put XXXX toward one loan that is still in Deferment. I checked how much I owed on XXXX. It was just over {$1500.00}. I checked again today and it not only says I owe {$1600.00}, but it also says I have a late payment due of {$580.00}. I wrote the company and called. I was on hold for 10 minutes and could not stay longer as I was at work. I have written the company numerous times for other reason and it takes much to long to get an answer ( 15 days ) and they continue to not help but end their letters with " We want to help you. If you have any problems let us know. We can help ''. My account # is XXXX. I need to know why I can not figure out where the late payment is coming from and when did it appear? There is no way to get that on line and there is no way to find a history of what Nelnet has done to the account that has caused this change. The last payment was due XXXX. I paid more than what was due on XX/XX/19. How could I possibly have a late payment. Every time you check your account with this company the amount due is different. I do not who can possibly check to see if they owe money on a daily basis and keep sending money??? There should be an amount due on a specific date and that's it. This company is impossible to work with and impossible to keep track of. This is simply not right and needs to be addressed. How am I supposed to budget for this? I want to pay for my children 's education, but they are making it impossible to do so.

Company response to consumer: Closed with explanation