vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call. 

I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date. 

IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history. 

If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind. 

I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence. 

Please contact me if you have any questions about this narrative. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Good day : I closed my XXXX XXXX card ending in XXXX, provided by Synchrony Bank, on XX/XX/XXXX. After closing the account, they promised to waive the {$95.00} annual fee within 1-2 billing cycles. 

It is now XX/XX/XXXX, and the account is now considered delinquent with various late charges and interest charges. I have called on four separate, recorded phone calls asking them to honor the fee waiver like they promised. Each time they agreed with my situation and promised to take care of the annual fee and any associated fees. Still no action is taken despite repeated promises and written notices on my account stating the fees would be waived. 

Synchrony Bank has shown a high level of incompetence in handling my case. The balance has now shown up on my XXXX and XXXX  credit reports. Please help me before it's shown as a delinquency and harms my credit score. 

Thank you for your time. Have a nice weekend. 

XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2019-04-06 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:
identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX cards opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX  opened XX/XX/XXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX XXXX   opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX opened XX/XX/XXXX {$11000.00}

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 non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
While using XXXX credit report ( transunion ), I saw that my address was updated to one that is not mine, an account was opened that was not mine, and an inquiry was made by a bank I don't use.

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 2019-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a lemon car through XXXX XXXX & attempted to trade it in due to the fact everytime I drove it rattled. Toyota of XXXX stole that car through lying & undervalued it stating it had undisclosed frame damage. Then I was stuck with an upside down car. Toyota Financial refused to change the car payments to match my pay dates then repod the car claiming I never contacted them & gave false amount of time I was behind. Gave me 30 days to come up XXXX then under sold that car & are trying to collect on like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for an auto loan on Friday, XX/XX/XXXX with a local credit union where I live. They were unable to pull my Equifax credit report as it was " frozen ''. I tried to access my free Equifax report through XXXX and the Equifax website and both said that my credit report could not be pulled. I tried to resolve the issue using the Equifax chat customer service line, which directed me to call in to their customer support. So I called into customer support, sat on hold for 30 minutes, and spoke with a man with a thick, hard to understand accent who told me that I answered his extremely difficult to understand questions incorrectly and to mail my SSN, driver 's license, two forms of ID, and a cover letter to the Equifax dispute center. The main issue here is that I have never frozen my credit or requested that it be frozen. Until today, I have not visited the Equifax website or called into Equifax customer service. I would like my credit unfrozen immediately as it is hindering my ability to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
This complaint is about escrow account balances and how unused escrow funds are handled after the principal is paid in full. For my situation, property taxes and insurance are both paid afterXX/XX/XXXX in the year. The loan was paid in full on XX/XX/XXXX, and an accrued escrow balance of over {$2100.00} is due back to me. Within a week, I received a new Escrow Account Disclosure Statement in the mail informing me that no new escrow funds were required. I have yet to receive the escrow funds - my cash - and the company NewRez ( formerly Shellpoint ) keeps telling me they have 30 days to return the funds - " according to their policy '' - no real reason given. The loan has been paid off for three weeks now. 

The policies of Shellpoint/NewRez are absurd when it comes to how they handle escrow funds. When it became clear that the escrow funds they were collecting were never going to be used for their intended purpose ( as the loan would be paid off before either insurance or taxes became due ) I had asked to have the escrow balance applied to the principal and was told that this was not possible. No reason was given other than " it's policy. '' It took several tries on the phone to even get a representative that could understand the issue. I see no reason that the refund from the overpaid escrow could not have been sent along with the letter in the mail containing the Escrow Account Disclosure Statement. 

I am sure that someone for NewRez/Shellpoint will respond to this complaint and say they they are within their rights to hold the overpaid escrow and refund it whenever they get around to it, but I am filing this complaint so that everyone can know what they do. While I am sure that these " policies '' were " disclosed to me '' in the form of some 50 pages of microprinted legalese that few people even have a chance to read or understand before it is too late, there is no excuse for the delay in refunding the overpaid escrow cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have made complaints regarding this issue several times yet TD Bank fixes it and than changes my address on its own. I am starting to get very annoyed with the level of incompetence of TD Bank. I don't understand why they keep changing my mailing address without my authorization. I write a lot of checks and online banking checks and TD Bank continues to change my Po Box info to my home address. 

I am getting extremely frustrated with this at this point. I don't want people knowing where I live. I don't understand why this bank keeps changing my mailing address. 

This is a huge invasion of privacy issue. They keep fixing it and than a month or 2 later change my address in the system on its own. I deal with tenants and other businesses and I have a business address for a reason. 

If anything were to happen because of XXXX XXXX continued negligence, I will hold them responsible. 

For the last time, stop changing my address without my authorization. 

A TD Bank employee stole XXXX dollars from my account last year and she was arrested and charged for doing so. 

TD Bank must protect my privacy and stop changing my XXXX address for no XXXX reason. After the bank employee stole my personal info TD Bank has done nothing to protect my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a XXXX veteran that maintains limited account usage with Navy Federal Credit Union. I keep funds from my XXXX payments in my Navy Federal account. During some hard times 4 years ago I had a small credit card become past do with them. Last week Navy Federal wiped out my account of all my Federally protected funds to cover the credit card. These funds are Federally protected and are absolutely untouchable. However, that didn't stop Navy Federal from robbing me blind. On XX/XX/2019 they removed my last {$200.00}. They say they are here for the military community but then treat us like garbage when we need the help the most. I shudder to think of all the XXXX veterans who depend on their XXXX payments, are robbed by Navy Federal, and end up homeless and starving as a result. 

I contacted Navy Federal the same day and was told too bad so sad. Ok, not those words but the result is the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank today notified me that my credit card had been compromised. I allege that the credit cards of other customers were hacked as well and that this bank is being coy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Previously filed a complaint against the same Debt Collector : XXXX They responded to CFPB with false information. They also indicated that they have requested credit bureau to delete the account. 

I have spoken with credit bureau, they have researched and said they have not received any requests from this collection agency to delete the account. The also mentioned that they usually received requests immediately and accounts are deleted imeediately BUT in this case they do not have any requests.

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 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
( I already posted the text of this complaint as a reply to a resolution of a separate complaint about a related issue which was that escrow tax payments were made to the wrong account -- However because that complaint is listed as " closed '' I want to make sure this next issue is also addressed quickly as it seems to be a very time sensitive matter. ) The company sent me a letter assuring me that the lot number has been corrected and that the mis-paid funds have been replaced into my escrow account. I've checked on my online account and I'm satisfied with all these corrections. However, on the same date as the letter from the company which finally addressed these issues, I received a call from my insurance company telling me that my insurance bill has also not been paid. This is shellpoint 's responsibility and again they have completely dropped the ball. The insurance company sent me a bill now for {$1900.00} with the deadline of XX/XX/XXXX or my insurance policy will be cancelled. I do not have this kind of money on hand to pay this bill. But I also fear that Shellpoint will move too slowly to pay the bill. Please, if you are reading this, it is time to escalate this issue and get my insurance bill paid immediately!!! The insurance company 's name is XXXX XXXX XXXX and my understanding from them is that they are also reaching out to you. Please make it easy for them and me and get this taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 I contacted a seller named " XXXX '' on XXXX.  They were selling four ( 4 ) tickets to the XXXX XXXX  XXXX  for {$70.00} each. The event is tomorrow in XXXX XXXX. 

We started a text conversation. They provided the number XXXX. We exchanged a number of texts, which helped me gain confidence. I have never used XXXX before ( or again ). 

They suggested we use XXXX for the fund exchange. This is a function within my Bank of America application, whereby I assumed it was supported by the bank. The e-mail address provided was XXXX. I suggested I send {$140.00} for two of the tickets, await arrival before completing the transaction for all four tickets. 

I sent {$140.00} via XXXX at XXXX XXXX PDT on XX/XX/2019. I awaited the tickets but nothing came. I texted. I called. No response. The sellers post was subsequently removed from XXXX. I was scammed. It is deflating, embarrassing and disgusting.

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 2019-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
One of my student loans was transferred to Navient. Today after reviewing over my payments I noticed that Navient had my minimum payment listed as {$85.00} which I remember specifically that when the loan was serviced by XXXX {$85.00} wasnt my minimum payment but XXXX allowed me to set the specific amount that I wanted to apply to my loan so I selected {$85.00} so I could apply extra to the principal. Well today I noticed Navient had {$85.00} listed as my minimum payment. I contacted Navient to confirm why my minimum payment was showing for {$85.00} when it should have been like {$55.00} or XXXX. Navient advised that {$85.00} was the minimum payment. So I was very alarmed and didnt understand how I would be able to prove this when I could no longer log into the XXXX account since the loan was transferred. Luckily I found one of my old credit reports and it showed that my minimum payment for My XXXX student loan was between $ 49- {$55.00}. Its very alarming that I would be mislead this way. In addition I have over {$40000.00} of student loans with Navient and now I feel like I need to go back through all of my other accounts to audit them to make sure there isnt more misrepresentation going on. I have called my lender last year to discuss various payment options because I just had my first child and I was unemployed half last year and they were not helpful with decreasing my payments. They only offered deferment which I had to pay {$250.00} to proceed with the deferment only for them to add on {$1000.00} of interest on top of that or a reducing my payment by {$100.00} and thats when I didnt have any income and now they are providing inaccurate information about my minimum payment which also has me to believe that they are falsifying the amount applied to my principal vs interest. How am I supposed to know they arent doing the same thing with my other loans that I hold with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: WA

Complaint narrative:
TransUnion refuses to send credit report after my insurance company suggested that my rate was increased based on information therein. I originally requested the report on XX/XX/2019 in writing.

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 2019-04-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo Bank on approximately XX/XX/2018 regarding the poor quality service from XXXX XXXX cellular telephone company that I paid {$150.00} for using my Wells Fargo card on XX/XX/2108. Wells Fargo erroneously characterized my dispute as an unauthorized charge as opposed to poor quality of service received. On XX/XX/2108, Wells Fargo send me a letter stating that my dispute was closed in XXXX XXXX 's favor because the charge was authorized and XXXX XXXX had presented documentation of my usage of the service. I subsequently contacted Wells Fargo to complain that the dispute was mischaracterized and that I did indeed authorize the transaction but the service was unusable and not as promised. Wells Fargo refused to reopen the dispute or otherwise offer relief. I am initiating this complaint against Wells Fargo Bank to obtain a full refund of the {$150.00} that I paid, and for the mishandling of my timely dispute of the charge on my Wells Fargo account. I am attaching documentation showing the XX/XX/2018 dispute, XX/XX/2018 dispute denial letter, and four pages of XXXX XXXX  community blog posts showing that the service issues I was experiencing were severe, repeated, and rampant with other XXXX XXXX customers at the time I experienced them, and that XXXX XXXX   executive management were aware of the problems.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by Equifax, and Also I had insurance I was getting it the trusted ID premier by Equifax I reported with the Equifax inc assurant and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that Equifax request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please

Company response to consumer: Closed with explanation