vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: NY

Complaint narrative:
I had opened XXXX XXXX XXXX credit card to finance my new business in XX/XX/XXXX. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to XXXX XXXX, and XXXX XXXX soon after closed my XXXX account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to XXXX XXXX. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly XXXX XXXX had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called XXXX XXXX, and after XXXX hours on the phone and XXXX transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - XXXX XXXX. I disputed this with Equifax as an account that no longer belongs to me, due to XXXX XXXX refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because XXXX XXXX refused to accept my payment and Equifax did not remove the account from my file. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed there was an unauthorized {$200.00} withdrawal on XX/XX/XXXX from my Citibank checking account. I immediately contacted Citibank on 1XX/XX/XXXX as soon as I noticed the unauthorized deduction. I was advised at the time that a provisional credit would be issued and there would be an investigation into the matter. On XX/XX/XXXX, I received a letter from Citibank stating that upon their " investigation '' they determined that the withdrawal was made by myself or an " authorized third party '' person. Furthermore, the letter I received stated that they do not routinely use ATM video to do their research. Well, how else do they investigate if not with the video surveillance? I immediately contacted them to dispute and escalate the investigation, but they already deducted the {$200.00} provisional credit they issued. I vehemently denied that I did not deduct the funds, nor did anyone else that I authorized. I have never been in the town where the theft occurred. Furthermore, I never use non-Citibank ATM 's, and this happened at a XXXX XXXX ATM. I immediately felt as though I had been victimized for the 2nd time. Once from the thief and again from my own FDIC insured bank that I have been banking with for 19 years. When I reported the unauthorized withdrawal, I was asked a series of questions. One being if I have ever shared my pin and if anyone has ever been authorized by me to deduct funds. I HONESTLY answered yes, because I am married and it is NOT uncommon for spouses to have access to their accounts. I feel as though, this honestly led to my demise and Citibank found an out in honoring my fraudulent claim. I have never had any other claims for theft on this account and have never had an issue until as of recently. In the past 3 months I have been issued 3 new cards due to fraudulent activity. It seems as though there is an issue with Citibank because someone else that I know who also banks with Citibank- has had the exact same thing happen to them. To prove I did not deduct nor authorize this deduction- I filed a police report in the town in which the theft occurred. I would not risk going to jail for {$200.00} if I performed or authorized the deduction. To be perfectly honest, I do not feel safe with my hard earned money in Citibank anymore. They are there to protect my money and this experience has been the furthest thing from " protecting '' me.

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 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet refused to allow me abscess to an account that I am the endorser. The borrower refused to pay the loan. I have no knowledge of his whereabouts. I have been making monthly payments but they will not release any information to me. I am only able to call in and get a summary of the account. I have been asking for ascess for more than 2 years. I have no idea where my money is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: FL

Complaint narrative:
I called equifax back in XX/XX/XXXX to ask them when will XXXX/XXXX come off my report and they said XX/XX/XXXX because XXXX updated the account i had with them on XX/XX/XXXX because i wanted it removed so that's what XXXX did to say we review your account and updated information because I was disputed it with XXXX. I said to Equifax that's incorrect that i was delinquent in XX/XX/XXXX and my account was closed in XX/XX/XXXX but i paid XXXX the rest of the balance in XX/XX/XXXX, so it should drop off my report inXX/XX/XXXX.  They said no because XXXX updated account and reported information to them and that i stopped paying and started again. Which is incorrect. Equifax said its 10 years then since from the last updated informatiion which was now XX/XX/XXXX. Also, Equifax is showing that I'm still paying the XXXX  account, which is incorrect i have NOT paid them since XX/XX/XXXX and my account was closed in XX/XX/XXXX. I'm not sure where the information is coming from. Equifax said it stays on till XX/XX/XXXX when i called them again in XX/XX/XXXXXX/XX/XXXX and also called XXXX to tell them what Equifax stated it would take 10 years and once again XXXX  updated again inXX/XX/XXXX when i complained to them and it changed again to nowXX/XX/XXXX that will be 16 years not 10 years. This is not fair. I wlll fax you some information to you and attach also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received my first phone call from XXXX XXXX at USI Solutions Inc . He told me he was looking for my husband for an unpaid XXXX XXXX XXXX Visa card from XXXX. He said the unpaid balance was {$3600.00} and asked that I pay it. I told him that no I would not pay it, it is not my debt, and I have no knowledge of this. I told him I would let my husband know. 20 minutes later my father called and told me that XXXX XXXX was reaching out to him as well regarding his son-in-laws supposed debt. He called my father AFTER I talked to him. During this time my husband is travelling for work but I sent him a message with phone numbers, reference numbers etc so he can handle the situation. I called XXXX XXXX back after he called me again and I told him he needed to stop calling my family members. He put me on hold to talk to his supervisor, XXXX XXXX. After talking to XXXX and telling him that they have done nothing to legitimize their claim that my husband owes a past debt from XXXX he offers a settlement of {$1000.00}. I reminded him again that I was NOT going to pay this as it was not my debt. I told him that we have not received any correspondence prior to XX/XX/XXXX and he told me its because the attorney, Mr. XXXX 's business went out of business and Mr. XXXX himself has passed away. I told him again nothing you have said legitimizes this. He told me he would have someone send me a letter. I received a letter but as there has been no correspondence regarding this prior I did not open the letter afraid it may be spam. XXXX also asks if me and my husband are separated which I told him was none of his business. No we are not separated. My husband calls and talks to XXXX XXXX on XX/XX/XXXX. I am unsure what the conversation was as he is travelling for work but on XX/XX/XXXX XXXX XXXX calls my office. He told me I was responsible for the debt because I live in a community property state. I got married in XXXX and I do not take on the liability of my husband 's " supposed '' debt prior to our marriage. He called me AFTER speaking to my husband who they claim owes the debt. I told him all of this and the call ended with me telling him to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: AL

Complaint narrative:
This is after case XXXX. Navient responded and confirmed most of the problems I reported. However there has been no actions to fix or compensate the previous issues. 
Since then I have cancelled Auto-pay, changed the over payment option to Pay down the principle ( which is what I had ORIGINALLY chosen ), AND un-grouped the students loans for better visibility and tracking. 
I also paid off a large chunk of the loans including complete re-payment of one of the loans. At this point, there are currently 2 loans completely re-paid. 
After doing these changes, my minimum monthly payment went from XXXX {$400.00} a month to > {$710.00} a month. No explanation or reason provided. I only thing I could assume from this change is with the over payment choice. However my PRINCIPAL DID NOT CHANGE ; there is potential for missing funds. 
I called Navient last week about the situation. I was on hold for about 2 hours before being able to speak with someone. 
The representative looked at the situation and responded with " Hmmmm ... .that is not right. I don't know what is going on with this '' and " I will get it fixed for you ''. She reported submitting the situation to be fixed ; getting the minimum payment adjusted. The representative also shared that it would show up on my account within a few days. 
I have seen no changes to my account and there has been no further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Bank representative was well aware of elder financial abuse and did not take steps to prevent continued exploitation. Representative disregarded & allowed abusers to fraudulently revoke a durable power of attorney put in place to protect the elder from continued financial exploitation ; further allowing those responsible for the theft of more than {$6000.00} from the elder 's financial account during the period XX/XX/2018 to XX/XX/2018, to open another account in the elder 's name willfully accommodating continued theft and financial abuse. The representative and the branch have been complicit in exposing a XXXX year old XXXX XXXX patient to further risk, and have not followed procedures for reporting this issue to the appropriate internal fraud / legal units. As the Principal Agent named in legitimate Durable POA, I was not notified of the closure of a valid account set up for the elder 's protection, nor was any due diligence conducted on behalf of the bank to identify the validity of a fraudulently submitted POA revocation presented by the individuals known & identified to be responsible for prior abuse. The behavior of the bank & its representative were unethical and reckless causing financial harm to client. A formal police report has been filed identifying the representative citing his willful blindness, as well as the individuals responsible for the theft of the elder 's funds. Additionally, a report has been filed with XXXX Elder Protective Services naming the abusers and the representative at Citizen 's Bank given the negligent aid in the continued unauthorized and unlawful theft of a vulnerable person 's limited, financial assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My two loans recently came out of forbearance. I made the first payment without incident and on time. The second month, I made the payments online using the same process, on XX/XX/XXXX. The payment cleared my account on the same date. 

As of today, XX/XX/XXXX, the payments are still showing as " Pending '' in the lender 's online portal. I've sent emails to the lender, who indicated they would " keep an eye on this ''. I then contacted the lender by telephone, who insisted that I needed to send them proof from my bank that the payment had cleared. 

Now I'm on the telephone, and I've been told by XXXX XXXX, the manager, that the technical team needs to look at this, and that it'll take until tomorrow. 

The payment will be late effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had opened Capital One Business credit card to finance my new business in XX/XX/2016. Business did not start too well, and I got late on my credit card payments. Once, my bank had returned the payment I made to Capital One, and Capital One soon after closed my Business account ( as charged-off ). A year or so later, I am in a better position financially wanted to pay off my balance to Capital One. I called to make a payment in full for the balance on the account, and was rerouted by an automatic service to a Law firm, supposedly Capital One had send my account to them to collect the balance owed. I never signed an agreement or opened and account with the law firm, so I had no interest in discussing my balance with them. I called Capital One, and after 2 hours on the phone and 5 transfers to different representatives, I finally had a conversation with a business account manager and was told that they will not accept my payment because the account was forwarded to law firm. The manager REFUSED to accept my payment that I was willing to make to the creditor I made an agreement with and opened an account - Capital One. I disputed this with XXXX as an account that no longer belongs to me, due to Capital One refusing to take my payment, which resulted in " account confirmed "!!!! I am furious because Capital One refused to accept my payment and XXXX did not remove the account from my file. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I never received a move out bill from XXXX XXXX and when I contacted XXXX XXXX they had no proof they sent me a bill. I asked XXXX XXXX how much was owed and promptly paid it. XXXX XXXX received the cashier 's check and cashed it to settle my bill. 
When IQ Data contacted me, I explained the problem and sent them a copy of the cashier 's check but they ignored me. IQ Data 's problem is with XXXX XXXX not me. 
IQ Data reported this as a collection account even though it was paid. I feel they did this just to harass me. I have corrected this error with XXXX, XXXX and now I'm in the process of correcting it with XXXX. This should never have been reported to the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
.What address were the Validation notices mailed to? 
What is the address for for legal department? 

What information was verified between you and your client? Can you forward me that correspondence to my mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 

I have never received letters nor heard of you or you client prior to the inaccurate reporting and every time I've called the company it was standard evasion tactics used..

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 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems , Inc in XXXX, GA submitted a collection account from a previous apartment I stayed in while I was filing for ch. XXXX was submitted to my credit a year later. I left XX/XX/XXXX, the collection appeared XXXX of XXXX. My ch XXXX was submitted XXXX of XXXX. I do not know why it did not include the current resident I resided in while filing but the collection account for the apartment was not included. Again, I was staying at this apartment while filing the bankruptcy. I was told by XXXX XXXX, " it was my fault the bankruptcy didn't include the apartment. '' I corrected her and stated it would not be my fault but the lawyers who submitted the information. Maybe he made a mistake or maybe he knows something XXXX XXXX and I don't. The apartment was given notice, I let them know of financial situations changing and that I would have to break the lease 2 months early. The notoriety of the apartment complex is it's own mess but XXXX XXXX, ext XXXX, who claims to be a supervisors, lacks the proper customer service skills and has a bad habit to constantly talk over you and undermine your intelligence how credit and filing collection accounts works. I tried to resolve the issue by requesting a settlement and was given a discount of {$400.00} on a {$2900.00} notice. I'm not stating the accuracy of the collection account is correct nor do I state it belong to me. I was trying to clear up my report since it's tax season and get this debt removed from the credit since its been on there since XX/XX/XXXX. You would think a collection company would prefer settlement and money for an account rather than not get paid at all. As well as the knowledge to know you catch more flies with honey than vinegar. That being said, when I asked her to see if we could come up with a better deal and submit it to her supervisors that's when her tone quickly switched over to the negative state she had. If National Credit Systems would like another chance at coming up with a better " PAID FOR DELETION SETTLEMENT '' I'm willing to handle the account with someone else. This account from my knowledge was suppose to be included in to my bankruptcy, I'm willing to pay on something I was not expecting to have to handle from XXXX but at a lower ethical rate I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
In XX/XX/2019 I filed a dispute for sunrise credit services with XXXX and they are saying i owe XXXX for whatever services that I dont even have or am aware of in XX/XX/XXXX of last year I lost my wallet and had to replace everything I dont appreciate this being stated that it which belongs to me and it doesnt .I dont even own a contract phone because I was always afraid it would mess up my credit that which Im trying to build

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 2019-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I pay my credit card bills on the day of the due date each month. This has never been an issue with any credit card providers until I signed up for the XXXX XXXX store card by Synchrony Bank. Currently, if I pay this on the due date, I am assessed a {$25.00} late fee for doing so. This has happened twice to me now, as it appears to trigger a late fee if submitted on the due date, but after a certain time. For instance, if I pay it in the morning of the due date, there is no late fee. But if I pay it i the afternoon, there is a late fee. Both times are before their XXXX EST cutoff. Typically, late fees are considered to be detrimental to one 's overall credit score. How can Synchrony get away with charging late fees for on-time payments? It also leads to the question of why are they holding onto this late fee of {$25.00} before refunding it? What are they doing with that money that they essentially took from me without my permission? Are they conducting some sort of a short-term investment strategy with their clients money/late fees? 

I reached out to them to dispute an unwarranted late fee, and they kindly explained that it would be returned since I paid before the due date/time cutoff. They said their system automatically assessed the late fee, and it will be refunded. However, I am not buying that it is this innocent to say, " sorry, we took your money accidentally, and are returning it. '' On top of that, I had asked if this affects my credit score, as any late fee would. They said they could not answer that question. I do not have proof that it has affected my credit score, but if it does, I will not be a happy customer. 

This is very poor practice, and to be honest I am surprised it is allowed by any credit card company. This needs to be investigated so that Synchrony is no longer able to take advantage of their customers and their money. If their internal software is not able to handle processing same day payments without late fees, then perhaps they should have their ability to operate suspended until they can resolve this.

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