vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, following website directions, we filled out a request for a payoff statement on the XXXX XXXX website for a payoff date of XX/XX/XXXX. We received no response. 
When the payoff date passed, I called the consumer line for the company and was assured by " XXXX '' that he would email a payoff statement to me the next day at the latest for XX/XX/XXXX. Again, we received nothing. 
On XX/XX/XXXX I sent a letter overnight to the appropriate address on the back of my statement requesting a payoff date of XX/XX/XXXX. I advised we would file a complaint if we did not receive a response. We have not received a response. 
The delay is costing us interest on the mortgage and my understanding is that the company is required to acknowledge our request within 5 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 explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Automatic Data Processing, Inc.
State: NY

Complaint narrative:
I hired ADP to process my organization payroll and they made several tremendous deductions errors from my account in XXXX and did not correct the error until XXXX of XXXX. This caused a delay for me filing my personal taxes, I was assed late fee of from the IRS {$600.00} dollars. I was informed that ADP would reimburse me for any late fees and have yet to receive my check. They had the nerve to invoice for a {$3000.00} error made on their part. If my accountant did not reconcile my accounts someone from ADP would have walked away scott free. I have been corresponding with a representative and I keep getting the run around. I asked to speak to a manager and each time I never get a response. Today is XX/XX/XXXX, I called the representative and her attitude was extremely inappropriate. She stated that the check was mailed and said they have to stop and replace the check and its going to be a few weeks before they reissue a new check. This has been their answer for months. When I asked to speak to someone higher than her manager she said they would call me on XXXX XXXX. Today has come and it is XXXX Eastern time. I have exhausted all my options with this company. I want to file a law suite against this company and exposed them for their incompetence.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
see attach ftc violations

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 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company, " Portfolio Recovery Associates '', has been reaching out to me for some time now. I am not aware of what actions they have taken, though upon speaking with them, it has become apparent that they are not in my best interest. 

This morning at XXXX, a disgruntled representative called me and was adamant about reciting the companies disclaimer. Her and her manager explained that the debt was past the statute of limitations for collections, though the " debt, never really goes away ''. 

A different representative reached out to me several weeks ago and stated that the settlement amount was as low as {$800.00} and that the record of my communicating with them was in the data base that they possess. I requested a copy of our contact history to no avail. 

I am not not sure if they are the same company that said, " we'll find a way to get our money '' in a threatening manner many years ago. Though I am not and have not been available to catch up to several of my account balances as the lines of credit had been opened with the intent to acquire {$5000.00} a month over the course of several years. My business operated at 2008 though never reached the goal of {$5000.00} in month. 

The collections agency, " Portfolio Recovery '', has busied my line of communication for a long while now. Contrary to what they claim, PR has negatively effected my credit score. Contrary to what they claim to have been a none-law suit acquisition of my XXXX  XXXX XXXX credit card and XXXX  XXXX credit card balance, the action of purchasing the account disables me from paying XXXX  XXXX XXXX and XXXX  XXXX. 

I am now aware that I should of requested smaller monthly payment amounts, I did not abandon the lines of credit, I conducted business with the credit lines via monthly payments for as long as a I could manage. 

I attempted to file a complaint this morning with the manager and was not permitted to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CADENCE BANCORPORATION
State: MS

Complaint narrative:
Dear Government Officer : I'm a customer of a cadence bank in Mississippi. From last XXXX. They changed the account policy. Start to charge me {$6.00} each month for maintaining the account. Although my my deposit never lower than {$250.00}. But they automatically classify my account into the group which needed to pay month fee. ( Earlier the policy is over {$50.00} ). And accoring to the manger, s own word they only mail a letter to inform this policy change, but for years they already no longer sended papaer based account details by mail but tell us to use the e-account to check account detail. In my opinion this is a kind of fraud to all the customers. Hope you can help them to correct this behaver. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian leaked my SSN in XXXX so I put a freeze on all of my credit accounts. I need to temporarily unfreeze my credit with Experian in order to transfer my cellphone service to XXXX ( who uses Experian exclusively. ) Despite repeated attempts and assurances from Experian that my freeze has been temporarily lifted, they continue to tell XXXX my freeze is still in place. We are at an impass. Experian implies that they are having " system problems '', but those problems have been going on for 5 days ( since Friday XX/XX/XXXX ) and show no signs of getting better. I am dead in the water until they fix things. XXXX won't proceed without a credit report from Experian, and Expeian won't issue one. Experian customer service is horrible, with overseas agents who are nearly impossible to understand, and long telephone wait times. I have so far spent 5 to 6 hours on the phone trying to resolve this matter unsuccessfully. If I could, I'd never use them again, but I have no choice in the matter. That is the problem with credit reporting companies : Consumers are nearly powerless to affect their sloppy business practices. Any help is appreciated.

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 2020-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of identity theft on several occasions and learned through the process of disputing fraudulent accounts opened in my name that I was among the victims of the XX/XX/2017 Equifax data breach. 

Equifax refuses to provide a simple document stating this fact -- that I am among those victims. 

It is necessary for me to have such a document, as I am enlisting in the XXXX XXXX, and I was asked to provide evidence that I am the victim of identity theft. 

This is a fairly simple request, yet Equifax transferred me multiple times to multiple different departments, and no representative was able to help me. 

It is especially egregious that my request for such a document isn't being fulfilled since the very website of the data breach settlement administrator shows that I am, in fact, a victim of the breach. ( see attached PDF ) Moreover, Equifax 's online interface does not provide a digital record of past disputes past 30 days, and the company says it can only mail such documents. This is unacceptable in the digital age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank has a Duplicate Account Reporting on my credit report for all 3 Credit Bureaus that needs to be removed. 

Synchrony Bank Account # XXXX I have attached the screenshot which shows the same account number for Synchrony Bank which they say that they sold to XXXX XXXX. XXXX XXXX uses the same account # XXXX as the Synchrony Bank Account which is listed as a duplicate. 

Synchrony Bank is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with XXXX XXXX which is the same account and card. 

I previously filed a CFPB Complaint against Synchrony Bank XXXX in which they said this account did not belong to them and failed to address this issue. 
MY COMPLAINT IS AGAINST SYNCHRONY BANK. MY COMPLAINT IS NOT AGAINST 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 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have had 6 of my students loans being serviced by Navient and all was well initially - I had 9 other loans that I have been working over the last 10 months with the Dept of Ed in rehabilitation to get them back on track that were transferred to Navient and all of sudden my monthly payments that we worked to arrange ( that I was making a way to actually be able to pay ) have been jacked up and was told my {$270.00} payment I had with the Dept of Ed was going to be raised to over {$1100.00} in a couple months! 
Clearly this puts me back in a defaulted state as its unsustainable. I called them and the rep said no expenses are considered - just family size and income, and I was offered forbearance as the only " other '' workable solution. The very thing that all the news stories are about them pushing people into. So the message is loud and clear - the only way to get a payment you can actually afford is to be in default?! 
I just want to keep making the payments I can afford that I had worked so hard to get arranged. Why is that 'impossible '???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal transaction ID XXXX. For XXXX  XXXX XXXX XXXX. 

XXXX Ordered XXXX lbs of protein powder on XXXX XX/XX/2019. Vendor did not ship product. When asked for them to reship they said they would. They shipped a 37lb box ( for 7lbs of protein ). Box never  arrived. Vendor refuses to acknowledge emails. 

PayPal was intermediary on payment and processed said payment. 

Parties : PayPal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, XXXX XXXX has failed to pay off my other card, but has charged my new platinum Visa card, on XX/XX/XXXX, in the amount of XXXX for this balance transfer. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent from Navy Federal. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my branch manager who also failed to fix the the issue. They have charged the balance transfer to my account but never paid off XXXX nor can they give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor on XX/XX/2020. They wanted to do a stop payment today, and reissue the check, aka start from square one. 

I called in again and was transferred to the " Resolutions '' department. They keep repeating what " should be, '' etc. People continue lying to me about the scenario and using inconsistent and completely differing timelines, 3-5 business days, 10 business days, 14 business days, etc. I was also lied to initially and told by " XXXX '' before transferring me to the " resolutions department '' handled NCUA complaints, then quickly found out they do not. The Resolutions agent refused to tell me other than " Upper management, '' who could help me with a NCUA/CFPB complaint. She lied and told me " they '' were unavailable and refused to let me know which department I would need to speak with. A stop payment would cause me a fee if/when XXXX ever receives the check, and I am sure Navy Federal would not hold themselves accountable for putting a stop payment and sending a bad check to XXXX on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.

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 2020-01-14 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.Is it possible someone forged my name, or that you have confused me with someone else? if you receive documents with my signature, please compare them with my real signature because if you do you will see I did not sign anything related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. There is XXXX XXXX XXXX account ( acc no : XXXX ) in my Experian report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to Experian credit reporting agency and XXXX XXXX XXXX but they refused to help me to resolve the problem.

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 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I have a medical debt ( amount owed XXXX $ to XXXX XXXX XXXX XXXX ) that was tied up as part of litigation settlement. The bill was turned over to the collection agency in XX/XX/2019. The collection agency never sent a written notification or follow up with a phone call to notify that there was a bill that was outstanding in collections. It is now reported as derogatory on my credit report with no notification of the debt whatsoever. 
I called the debt collection agency and they confirmed to have sent the initial notification to the incorrect address ( previous home address where i no longer live ) and the mail was returned. They stated that the address was provided to them by the creditor, however when i inquired with XXXX XXXX, they have the current address where i live for the past year. The Debt collection agency never contacted creditor to notify mail was returned or did not call me or make any other attempts of notification. I would like to notify that the collection agency took no responsibility in notifying the debt or my right to dispute/take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I made a regular mortgage payment online through Wells Fargo 's website ( {$760.00} ) plus additional {$2000.00} to principle. On XX/XX/XXXX, Wells Fargo ( WF ),  without my permission, took another {$2700.00} from my account ( with my bank routing number and checking account information stored on their website ), causing my checking account balance to go below zero. I found out about the extra withdraw on XX/XX/XXXX and called WF on  XX/XX/XXXX and requested the money be deposited back to my checking account. I notified the WF customer service rep that my mortgage principle was only around {$1200.00} after the XX/XX/XXXX payment, why would anyone pay another {$2700.00} when he/she only owes {$1200.00}? At the time, the WF rep informed me that the money will be deposited back to my checking account within two ( 2 ) business days. When I didn't receive the money on XX/XX/XXXX, I called WF and this time I was told that my mortgage has been paid in full and a refund check has been generated and mailed to me via regular mail on XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the refund check. Because WF mailed the check via regular mail, there is no tracking on where the check is.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again ( XXXXPST ) and the message machine asked me to leave all of my pertinent information and that my call would be returned within one business day.

Company response to consumer: Closed with explanation