vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing about Synchrony Bank 's " Card Security XXXX '' fees and charges. I opened an Amazon credit card back in XXXX and ever since I would continue to make monthly payments. As time went on the payments and charges were normal and expected. But as of today once I go and check my past statements there is a card security fee every single month with every single payment. I called the number and they tell me I enrolled in XX/XX/XXXX, which i absolutely do not recall doing. The supervisor whom I spoke with on the phone said there were charges in the year of XXXX and XXXX and so on until now etc. I've been trying to pay this card off ever since i opened it or at least get the balance lower than 30 % but it hasn't happened and now I can see why. Between the interest charge and the security fee my monthly minimum payment is about {$2.00}. This is simply a scam for which I did not opt for. Today. XX/XX/XXXX I called and cancelled my enrollment in this bogus service, hopefully my call actually went somewhere and the proper action will occur.

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 2020-04-22 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: LEXISNEXIS
State: PA

Complaint narrative:
XX/XX/2020-Discovered I was paying a surcharge on my policy because I was deemed at fault based only on the cost of damages after my low deduction that I paid more for. XXXX told me to call LEXISNEXIS after I got the accident report from the police department and pulled my drivers record. 1st call XX/XX/20 went through the automated phone menu-suppose to receive something 5 to 7 days later. Nothing. Asked XXXX for the report # thinking it would help and made 2nd call XX/XX/20 and again got nothing. There is no option to talk to anyone and are given 2 websites so fast I had to call several times to get it. Again nothing. Called XXXX  yesterday and they just told me that they can change my policy if I can just get them to change their report. 3rd call today. I have basically had to pay for all damages in raised rates for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: LendUp Loans LLC
State: TX

Complaint narrative:
Hi, Around XXXX - XXXX of 2016 i fell victim to identity theft and my information was used to illegally apply for a loan from this company.This company allowed a fraudulent account to be opened in my name without my permission. 
I have been trying to reach them at the addresses listed on my credit report through certified dispute letters to get this cleared up for years to no avail. I also disputed the account with the 3 major credit bureaus only for them to respond to the bureau that the is " Valid and Verified '' while the company has not attempted to respond to any of my mails or try to fix this issue. I have suffered losses with this account reporting falsely on my credit. I had never heard of this company until they started reporting on my credit. All I want is them to remove this false data on my credit. 

This company is facilitating criminals in stealing identities and opening false accounts and allowing fake electronic signatures which basically waive your rights and enters you into some Arbitration Agreement. 

Company name : FLURISH INC DBA LENDUP XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: GA

Complaint narrative:
XXXX sold my loan XX/XX/2020 and still reporting to my credit as an open loan and it is making my debt to income ratio at 69 % because of the open status I called twice XX/XX/XXXX and XX/XX/XXXX they told me they cant remove the info for sixty days so for that I can refinance my loan.

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 2020-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This loan is on its third processor in two year ( XXXX to Great Lakes to Nelnet ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " reamortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now NELNET is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: STATE FARM BANK, FSB
State: IL

Complaint narrative:
State Farm Bank did an unauthorized hard inquiry on my credit report. I called State Farm Bank and made them aware on their mistake. The hard inquiry is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This loan is on its third processor in two year ( XXXX to Great Lakes to Nelnet ). The loan was not " redisclosed '' upon a huge payment being made that paid off 1/2 of the loan balance, and therefore was not " reamortized '' to compute the correct loan amounts and payments. Over time this has resulted in fees/penalties and higher interest than should be. None of the processors has made any efforts to fix this and now NELNET is misapplying payments and the loan balances have been going up on a monthly basis even though I pay more than the minimum and they show me as " paid ahead through XX/XX/2021 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
They refuse to send me something in writing, Ive repeatedly ask to close my account and they havent. Was told by a representative they were not closing my account until I pay Im full. They said the fees and late fees will take on until then. They never told the credit bureaus what I all them to do or what they said they were going to do. They just doing it, from {$250.00} to {$740.00} and growing please help me. This is really stressing me out, XXXX Veteran with XXXX. I dont ever want anyone else to go through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received a mark on my credit report in XX/XX/XXXX for XXXX $ saying they tried to collect from me from some hospital or something ( Which Ive never received any phone calls, letters, emails, etc for ). Ive been in XXXX XXXX military and havent had any procedures dont outside since like XXXX or XXXX. The collection they are referring to must be from XXXX XXXX, where I had to go from a XXXX XXXX  that occurred from a friends dog. I did most of the stuff myself before going into the hospital. I put ointment and wrapped my hand up and cleaned the wound to my best ability, when going into the hospital they said they couldnt stitch it up as it may lock the bacteria in and that I should continue to put ointment and wrap the hand up and keep clean. They gave me antibiotics and sent me on my way. They then tried to charge me roughly what seems to be collected it was about {$1100.00} for literally doing nothing. I called the hospital directly and disputed these charges, the hospital apologized and we agreed and settled for XXXX , they gave me a web portal and my friend whos dog bit me paid the amount right there in front of me which settled what was owed. Now 4 years later they want to collect the FULL AMOUNT? I tried to dispute but to no avail as I dont have enough room to type what all happened in the credit report dispute. THIS IS UNLAWFUL, I paid for what services are were done to me ( which was literally nothing, the doctor actually made my would worse by trying to open it, just to tell me he didnt want to stitch it and had me go on my way ) and what I agreed to pay as it was more fair. Even more ridiculous is Ive never received any notice, phone calls, mail or email about this to try and settle with the collector or the hospital itself. This is outrageous and has impacted my almost perfect credit score terribly. Being XXXX XXXX military with a XXXX XXXX clearance impacts on my credit score effect me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
XXXX -- Previous complaint number. 
XX/XX/XXXX Mortgage company explained that I would receive only {$240.00} even though my Escrow was XXXX, but that the following year, in XXXX of XXXX, I would receive a much larger amount. 
XX/XX/XXXX Escrow refund was issued for {$5600.00}. 
XX/XX/XXXX Mortgage company advised check sent. 
XX/XX/XXXX Called to advise haven't received check. Advised to give it 15-20 business days to receive. 
XX/XX/XXXX Called to advise still not received.They will look into it and call me back. No return call. 
XX/XX/XXXX call and advised still no check. I need it resent ASAP. We will send your request to Escrow, it will take 15-20 business days for them to research. 
Holidays came went still nothing and frankly exhausted with this situation. 
Fell off my radar but still no check. 
XX/XX/XXXX I received escrow statement and they paid {$3900.00} to someone else tax bill and have increase my mortgage over {$250.00} a month due to their error! 
XX/XX/XXXX I still have not received the check and I have again reported it lost and they still have not resent. Asked me to check back in 15- 20 business days for update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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: TX

Complaint narrative:
FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has SOME ARE HIPPA 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 2020-04-22 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: TX

Complaint narrative:
FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of XXXX million people. The company has SOME ARE HIPPA 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 2020-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a decorated US XXXX Veteran with a decade of active XXXX XXXX. Ive been banking with Bank Of America for years but Ive reached the point I have to speak out. My bank has been repeatedly re-ordering stacking my credits and debits to cause and maximize {$35.00} NSF fees!! Ive let it go for years but to do so during a PANDEMIC while simultaneously dipping into hundreds of OUR billions of dollars of bailout money and free loans.. is beyond reproach. Several times they and other banks have been sued in class action suits over these practices and yet they settle out of court and go and do it all over again. I want a refund of ALL NSF fees charged to me this year at the very minimum. Bank Of America is a disgrace to the flag I laid my life on the line for repeatedly serving my country.

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 2020-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX of 2019 I saw a promo on XXXX about a XXXX tool combo set. I clicked to order it, I used my Bank Of America ( BOA ) credit card to purchase this 7 piece tool set. 
This company did not send me any notification at all. Days later I received a worthless piece of vinyl ( credit card holder? ) that the package on it said it was from XXXX, and the weight was XXXX. I kept the package because it was unusual, and thought something was up. 
My credit card was hit with {$170.00} from : XXXX XXXX. I contacted Bank of America, started this dispute. 
This fraud company is good - they said they sent me something. Yes, the worthless piece of vinyl. I even made copies of the envelope that says very small on it " 7 piece tool set '' and the weight ..... XXXX. Right??? 
We went back and forth on this ( calls, letters, faxes, etc. ). There was no way to contact this fraud company : no packing slip, no e-mail, nothing. 
BOA put the PROOF ON ME to show what was to be sent for the {$170.00}. I could not find that ad on XXXX ( and I did later see and took a picture of another scam that company was doing with XXXX  things on XXXX - and people 's comments on that ad said NO - DON '' T GET THIS -- IT'S A SCAM ). So there's another problem. I looked forever for a way to contact XXXX to make them aware of this fraud vender -- and I could not. Sad. 
So, I would not get my {$170.00} refund although the company could not prove they sent me a 7 piece tool set. BOA made me prove it was what I was to get -- and there was no way to prove that besides my package that labeled it -- and the weight was XXXX XXXX ( which should be proof the tool set was not in it ). 
By-the-way, this fraud company is smart. They ship something to you ( to prove they sent something ), they leave no evidence, and they work out of a multi company online place ( like XXXX ) so you can't find them.

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 2020-04-22 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
MrCooper sold my loan and it is showing on my report that it is an open loan I have contacted them twice to remove it and they have not. It is stopping me from trying to refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22 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:
Accounts and Inquires on my credit without my knowledge.

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 2020-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/2020, i get a notification that i have. past due bill under my credit report. I have no idea where it is coming from or how much as i stay on top of all of my cards and what i owe. I pay everything on time and it is very important to me to keep a good credit score. 

This late payment is marking my credit history negative in a time where i need a good credit score the most. 

I call Bank of America and they couldnt help me. They did waive late fees or remove the balance. It was for {$12.00} and i paid it, but i asked if they could remove late fees because i had no idea this was charged or was even due and was running late. They said no. I asked if they could block the merchant that is charging the card. They said no i had to figure out who it was and ask them to stop charging the card. I never use this card ever.

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 2020-04-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX

Company response to consumer: Closed with explanation