vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.

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 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have a secured card through capital one that I have been using for about 2 years now. I set up my account on auto pay and have made all payments in a timely manner to this account. In XXXX XXXX I made a large payment of over 400 dollars to pay my account in full. Payment cleared and I thought everything was taken care of. Fast forward to now. I get an alert on my phone that info changed on my credit report and that this account was late. I went to the app immediately and see a charge 48 and change. I look through the account summary and see that the month prior to paying my account in full my payment was returned and I was charged a late fee of XXXX and an interest charge of XXXX AFTER my account had I thought been paid in full. As of the XXXX of this month because I did n't pay the late fee I was charged an additional late fee on top of the late fee as well as additional interest on top of interest. How predatory can you get!! I called in on XXXX XXXX and waited on hold for over an hour to be told by a representative that they will only waive one fee. I asked for a manager who I sit on hold for even lomger for him to say that he wo n't waive anything further and there is no one over him to talk to except to write into the corporate address. This is absolutely unfair practices. I understand my payment had been returned which I was unaware of but to charge late fees on top of latest fees and interest on top of other fees is ridiculous. So had my payment been in full minus that late fee, they still would have charged me interest and this is 100 % unfair way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: NE

Complaint narrative:
Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. 

The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-15 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: NY

Complaint narrative:
XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to 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 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Couch Conville & Blitt LLC
State: AL

Complaint narrative:
Got a letter in the mail today ... dated XXXX XXXX from these ppl! It says its an attempt to collect a debt! Doesnt show who they are representing for the debt, etc! Just says ... XXXX XXXX XXXX, XXXX and thr amount of {$1600.00}! I called to see how I owe and left aphone number and name about XXXX oclock today! No answer! Could be a scam ... ..Im XXXX with XXXX XXXX XXXX and have had a XXXX XXXX in XXXX! If this isss due to a bill from Fla ... it doesnt state it and I was fully covered with XXXX! ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.

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 2017-09-15 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: FL

Complaint narrative:
I would like to file a complaint against the two credit bureaus, Transunion and XXXX for violation of the FCRA. I am a veteran who was entitled to the XXXX XXXX. I utilized my XXXX XXXX benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the XXXX XXXX informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate  negative accounts. 
I need them to remove these items.

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 2017-09-15 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have a Banana Republic Visa account that is managed by XXXX XXXX. There was a charge of {$100.00} made on it that I did not authorize in any way. I disputed the charge in writing and talked to the fraud department at length. They agreed that it is a fraudulent charge and said that they would remove it. 

However, I am receiving daily harassing phone calls about the fraudulent charge, even though Synchrony/Banana Republic has already agreed to remove it. I do not think it is legal for them to do so.

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 2017-09-15 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: AR

Complaint narrative:
Unauthorized inquiries on my credit report. Account statues is incorrect. Student loans are showing inaccurate.

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 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: OR

Complaint narrative:
After the recent XXXX data breach, I attempted to place a credit freeze on XX/XX/XXXX at all 3 credit bureaus. I was able to sucessfully freeze my credit using online and phone based systems at XXXX and at XXXX. However, the Experian system is refusing all online requests to freeze credit on XX/XX/XXXX and XX/XX/XXXX. Calls to Experian on XX/XX/XXXX and XX/XX/XXXX direct all credit freeze inquiries to send in paper documents. I can not find any way to contact an Experian representative online or over the phone to discuss this issue. They appear to be deliberately making it more difficult to obtain a credit freeze and provide no way to contact anyone working at the company.

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 2017-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Nelnet, Inc.
State: VA

Complaint narrative:
I have Nelnet as my student loan servicer. 

I have attended many school as this is needed to stay current in the IT profession. 
I have attended an still owe loans to : XXXX XXXX XXXX, XXXX XXXX XXXX Each one of these loans was taken out as a fixed rated loan. However, I have almost accrued more interest on the loans than the initial loan amounts. This is, I have been told because the loans are not fixed rate but Variable rate loans -- which I never agreed to. 

If there any way to erase these unfair interest fees? I have XXXX XXXX ( but work ) and a Veteran. I often get sick and have been in the hospital or out of work over the years due to my illness. 

Currently the Nelnet people, keep deferring my loan-which increases the interest. 
How can I reduce the interest rates and the loan amount? They say I own XXXX ( without interest it would be XXXX ). I can not begin to afford this amt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellar Recovery, Inc.
State: OH

Complaint narrative:
I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I contacted XXXX  XXXX XXXX in XXXX, AK when I discovered I had an old cable account from 2008 which was sent to collection. I spoke with a " XXXX '' at Cornerstone regarding this old account, which does not report on my credit report. Asked the balance, amount and where I could make payments when I am ready. 
He called my work today at XXXX from an unknown number during my work business hours to ask if was still going to pay that account. 
I did NOT give him my work number as a contact number or permission to contact me here, EVER, nor did I tell them my employers information. 
They have my current mailing address, that is sufficient. 
This is a violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I submitted a complaint about an hour or so today. FTC Complaint # XXXX. The reason that I am adding this one to it, is because I tried to get the information from them about weather or not the Money Orders sent to them was applied to my Account. I spoke with three different people trying to obtain the facts & my money. I was told that they sold my account & frustrating me, I informed them that they got my payments! I informed them that I have spent hours on this! I informed them that Fraud is happening here! I informed them that I had a right to know if they received my two payments & did they apply them to my only ( One ) account! They said I do n't have that right, my account was sold & I have to call XXXX ... ...??? I told them that I was NEVER sent any correspondence via email, U.S. Mail that my account was at this level as I kept in touch with them & kept my arrangements I made with them. It is their duty & responsibility to notify the Collectors of their error. Meantime, I call the Money Order place to inquire if the amoney Orders had been cashed & yes they cashed the money order on XX/XX/2017. I have to call back for the last payment, if it was received & cashed. It is going to cost {$18.00} - {$25.00} to get copies of the cashed money orders. I informed them that I was going to turn their company in for Fraud! I am being Harrassed by a Collection Agency & Cash Central refuses to professionally tell me what is going! They had no right to sell my information! I have already been a targeted victim of Identity Theft! This Company is Shady! I want to sue them because if they are doing this to me, how many more are people ripped off! Please put the Pressure so they do not hurt anyone else! Please Investigate their Practices! I HAVE A RIGHT to know who cashed my Money Orders sent to them! They should not, and must not be allowed to hurt consumers like this! It is Fraudulent to cash my payments, keep my money & turn around & sell my file for the collection Company can come after a bill already PAID IN FULL! Illegal, Fraud, Dishonest in their dealings with the consumers! How many more is out there suffering??? STOP THEM PLEASE! I paid my bill in full, who have my money??? Please light under their treacherous behinds. Thank you. Sue Them on my behalf please!

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 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX.
I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late.
They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle.
Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FL

Complaint narrative:
I would like to file a complaint against the two credit bureaus, XXXX  and Experian for violation of the FCRA. I am a veteran who was entitled to the GI Bill. I utilized my GI Bill benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the Veterans Affairs informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate negative accounts. 
I need them to remove these items.

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