vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have two accounts with Synchrony Bank for credit cards with Banana Republic and Belk Department Store. In XX/XX/XXXX, both of these accounts were paid in full and I have not received any further correspondence from the " Bank '' since these payments were made until XX/XX/XXXX. I received 2 letters ( 1 for each account ) stating my accounts have been closed due to " serious delinquency '' and such has been reported to XXXX. I tried speaking with a representative with the bank to discuss this reporting and they refused to assist me. I contacted XXXX and they agreed to open a dispute but informed me that most likely nothing would come out of the dispute. I feel that I am being punished for a delinquency that happened more than a year ago and on accounts that have been paid off for nearly a year. I can understand reporting delinquency if it has recently occurred or is still occurring but not on accounts that have XXXX balances since XX/XX/XXXX. I also believe that this type of incorrect reporting could pose a problem receiving future credit and could impede on my ability to seek employment in the financial industry, for which I am currently applying.

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 2017-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On or about XXXX XXXX, I attempted to deposit 68 XXXX series savings bonds into an existing account at M & T bank in XXXX, DE. I was informed by the branch the bonds had to be sent to their main branch for processing. Long story short, after two weeks and being told they were still being processed, I received a call stating the bank no longer processes bonds. Even though the bonds were not processed, the bank stamped them and now the bonds can not be cashed by another bank. In order to cash them, the original bank needs to send me a letter giving the treasury permission to cancel the stamp in addition to submitting a special form to the treasury and now mailing them into the treasury.

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 2017-08-15 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: PA

Complaint narrative:
My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the 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 2017-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Member Client XXXX worked with as a loan Bank Teller form USAA on or around XXXX XXXX, 2015, the teller made an inaccurate dollar withdrawal from XXXX XXXX XXXX XXXX  account in the amount of XXXX. The correct amount should have been for XXXX dollars as check states, the reminder payoff balance of loan should have been pulled from XXXX personal checking, XXXX check issue date is XXXX XXXX, 2015 a  number of attempts to work with USAA to correct concern failed short, and reporting non accurate information to credit reporting agencies and not adhering to Fair Credit Reporting Act. Security data breach concerns were raised because of the additional XXXX dollars removed from XXXX XXXX  account was consider fraud, inaccurate again the number should have been XXXX. The action of a USAA teller taking more out of a business account caused insiffient funds with XXXX and 30-120 day delinquency on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have contacted Equifax numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to Equifax. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital froze my account and requested verification. Ive sent ALL verification documents 3 tines but they refuse to unfreeze my account. I opened a case for this with the CFPB already but the case was closed with no change to my account. Previous case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastpoint Recovery Group, Inc
State: AZ

Complaint narrative:
The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit report.

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 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The above company placed two collection accounts on my credit reports with all XXXX reporting agencies. They allege that I owe them {$6600.00} for one account, and {$4400.00} on another account. I never opened an account with Cavalry, and I do not believe they have a right to damage my credit rating by placing new accounts on my credit reports. Both accounts were added to my credit report in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: NM

Complaint narrative:
I became a XXXX XXXX XXXX XXXX XXXX veteran in 2009. As I had my physician at the VA signed off on my documentation, which I submitted to XXXX XXXX Loans. The documents were submitted certified mail return receipt also with a signature required. From 2009 to present I have not been able to have XXXX XXXX Loans remove from the comment section " Completed Investigation of FCRA dispute-consumer disagrees '' which is being reported 7 different times on my Experian credit report. I have tried to do everything possible to include but not limited to sending both Experian and XXXX copies of my certified mail receipt, signature card, and the letter from my physician stating that " I am a XXXX XXXX XXXX XXXX XXXX Veteran '' to no avail. In all seven student loans that I had with XXXX were the following amounts : {$930.00}, {$3300.00}, {$2800.00}, {$200.00}, {$2800.00}, {$3600.00} and {$4200.00}.

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 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services
State: PA

Complaint narrative:
A company by the name of Integrated Recovery Services, with a business address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, has contacted me and my place of employment several times a day for the past 2 days (XX/XX/XXXX & XXXX, 2017 ). I returned their telephone calls on multiple occasions telling them that I do not want them calling my employment, and they told me that it was " automated '' and " too bad ''. The automated message leaves a " sketchy '' message about trying to locate me, and wanting verification of a current address, wages, and my liquidated assets. Quite intimidating, and quite ridiculous when you know that they are a scam business that buys old debt for pennies on the dollar, and try to scare you into thinking that they are attorney 's and are going to send you to jail. I am aware of the old debt that they bought. However, I do not want them calling my employment, which I am allowed to have stopped, and they refuse. They are " bullies ''. If they try to pull their antics on naive or older people, they may just scare them enough to hand over their account numbers. I know that they have had many complaints filed against them, and it would appear it does nothing to stop them. They also told me they would contact everyone I know, because they can. And that " they are NOT going away ''. They have hung up on me 4 times, and immediately called my work and phone again, with the automated message. This " business '' needs to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX XXXX Dismissed the debt and removed the debt from all reporting in 2016. Portfolio Recovery has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and Portfolio Recovery refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. Portfolio Recovery is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted XXXX numerous times and the final time was X/XX/2017, about not being able to access my credit file. I was told that information was incorrect in my file and that i would need to send a copy of my Social Security card and Drivers licence. I have complained and called many times regarding not being able to access my information. The Customer service agent began to read out information that was totally incorrect in my file. I believe that the information contained in my credit profile is wrong and unauthorized. I asked to have unauthorized inquires and unknown addresses removed in a letter that was previously sent to XXXX. I never received a response regarding that letter.
This poor handling of my personal information has made it very hard for me to obtain credit and move forward with a positive quality of life.

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 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Subj : Lost wire to Coinbase, Inc. via XXXX XXXX XXXX I initiated a {$15000.00} wire to my Coinbase account on XX/XX/XXXX XXXX through my XXXX XXXX account. No verifiable response was given from Coinbase as of XXXX/XXXX/17. I 've initiated an inquiry from my bank, but nothing is guaranteed and would like to further the process along with this complaint due to what I 've been reading on the blogs regarding multiple other customers having same issue. I followed this link from one of the blogs ... .help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I paid {$500.00} per month for 10 years on my navient loan and none of it went to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: GA

Complaint narrative:
XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

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 2017-08-15 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: GA

Complaint narrative:
XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I closed on a property on XX/XX/XXXX financed by an FHA 203K renovation loan ( {$170000.00} purchase + construction = {$230000.00} loan amount ). The intent was for the house to be my primary residence following construction. The General Contractor submitted a zoning permit application to the local township on XX/XX/XXXX. The zoning permit would then be submitted with a building permit application to the county. On XX/XX/XXXX, we received a denial based on the fact that the existing use of the property, though single-family residential, is a non-conforming use on a Commercial zoned lot in a Commercial District. This was shocking to me since it was sold to me as a single family home! Commercial zoning was not noted on the property listing, appraisal, tax records, title paperwork, etc. I notified the representatives from the title company, mortgage company and my real estate salesperson on XX/XX/XXXX via email and subsequently spoke with them on the phone. Due to the complexity of these issues, I retained an attorney on XX/XX/XXXX and he began communicating with the mortgage company on XX/XX/XXXX. I found out just a few days ago that the loan has been sold! The new company servicing the loan expects my first payment in two weeks on XX/XX/XXXX on the full amount of {$230000.00} even though no construction was done! During settlement I was told that the loan would be sold but that it would n't happen until after all renovation work was completed. The timing of the sale of this loan is highly suspect. Also, apparently the lender did not pass along accurate and complete information to the new servicer. I am now in a position where I own a property on which I can not do construction and in which I can not reside. I also can not use it as a commercial property, even if I was inclined to do so, because my loan is based on this being my primary residence. And I now need to make mortgage payments on a property I ca n't use while paying rent for my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting not one but TWO negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validatio for both debts. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

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