vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2019 I did not receive my billing statement because it was sent to the wrong address. 

When I became aware of this in XX/XX/2019, I called customer service and they agreed to remove the late fee - but only as a reduction in the total account balance. 

My normal payment is {$44.00} - they were requiring {$85.00} in order to bring my account current. 

This effectively doubled my payment and put me outside of my monthly household budget. It is wrong to require a payment of a late fee up front that they admit was due to an error on their part. 

Since I was unable to pay this erroneous fee, I have been hit with more late fees. I have continued to make my {$44.00} payment every month, however, the company will not consider my account current and the fees and minimum payment keeps growing. 

Please help.

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 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I originally set up an account with the Bank of the West. I am not confused I am perplexed by the coincidence of my account being open on the account managers computer before I even decide to speak to any account manager while I am in the bank. Suffice to say, I was not pleased with the customer service. I was not pleased with the product services. This was a bad experience all around within the first month of opening the account. I made payments to my account that were not applied to transactions. Bills not being paid with bill pay. I noticed all my payments were going to fees. It seemed only fees were being paid.. Bank fees as well as merchant fees. So, I ended my affiliation with Bank of the West. And attempted to closed the account -> after talking with a customer representative of Bank of the West on the phone ( 1 800 number ) and making one more payment. I say attempted to close my account because apparently the account was not closed. Allowing fees to accumulate for over three more months until closed by Bank of the West. Still Receiving partial refunds ( paper check and credit ) in the process.

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 2019-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
This debt has been paid through checking account that was used for verification of an account being open. Debt should no longer be in collections and having negative effects on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
This debt is not mine. I have disputed This with the company many times. My name is common in the city I reside and way to often am I fighting with companies that charge me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
I first contacted Collins Asset Group by certified mail ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2019 requesting that they send me documents to prove the debt for the amount they were claiming I owe. This letter specifically asked for the SURPLUS AND DEFICIENCY NOTICE and their authorization/license with the Texas OCCC being that they are now the holder of the retail sales contract because that is a state requirement. Collins responded by sending the sales agreement but they DID NOT send the Calculation of Surplus and Deficiency Notice as requested and is due to me upon request within 14 days of getting such notice as said by both federal and state laws, UCC 9-616. 

I then sent a second notice ( via certified mail receipt number XXXX XXXX XXXX XXXX XXXX and received in their office XX/XX/2019 ) saying that they ignored my request for this information, and Collins has yet to respond giving me what I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 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: KS

Complaint narrative:
Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/2012 Last update XX/XX/XXXX XXXX XXXX XXXX Credit card   {$1500.00} I am no longer liable for this 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 non-monetary relief
Consumer complaint received 2019-09-15 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: FL

Complaint narrative:
I have two accounts ( XXXX XXXX XXXX, XXXX ) that are under investigation with Equifax that have been under investigation for about two months now- please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
This debt was attempted to be collected by XXXX XXXX and after working with the original company they could not verify the debt and removed all collections and flags in XXXX of 2019. And A letter followed for confirmation. In XXXX of 2019 DCI collections has been attempting to collect this debt and originally flagged my bureau with no calls and/or written notification. The day after my bureaus were flagged I provided the letter from the previous agency and this debt was then lifted from my bureau in XXXX of 2019. However in XXXX I am receiving calls regarding this debt from XXXX XXXX XXXX once more. Attached is the resolution letter now provided to DCI twice and copies of their most recent calls to me. No other action has been provided by this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited four {$500.00} money orders on Saturday XX/XX/XXXX via the closest ATM to my location. You credited my account with a note underneath it stating that the monies would be available on XX/XX/XXXX. On XX/XX/XXXX you subtracted each of the {$500.00} money orders one at a time - throwing my account balances in whack, collecting insufficient funds fees to the amount of {$140.00} for transactions that were covered from a different deposit. 

After reaching out to XXXX they connected me to the website to track using the money order serial numbers and all for money orders cleared on the ninth. https : XXXX? XXXX XXXX serial numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and ( 5 ) XXXX. 

I have screenshots and will be submitting them to the CFPB to fine your organization & be investigated for fraud. How much interest do you collect on other peoples money without legally being allowed to do so? 

BANK OF AMERICA HAS STILL NOT RELEASED THIS {$2000.00} DEPOSIT HOLD ~ which I just proved was cleared on XX/XX/19.

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 2019-09-15 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/XXXX Last update XX/XX/XXXX XXXX  XXXX XXXX Credit card {$1500.00} I am no longer liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX and and XXXX bank is listed as paid settled here are the credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX and and XXXX XXXX is listed as paid settled here are the credit reports.

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 2019-09-15 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: CA

Complaint narrative:
I have been trying to apply for a home loan so that I may purchase a home but when the loan officer tried pulling up my credit scores, Equifax had nothing to report. The loan officer said I may have a freeze in my account so I called to unfreeze it. I called several times and they claim they are unable to pull up my file and that I would have to send in documents to prove I am the rightful owner. I have sent those documents four times already and they are still unable to fix my account, they actually claim to have never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Banks wont approve my applications and not giving an explanation of why being the fact i filed for stolen identity

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 2019-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The second week of XXXX I was a victim to a scam in the XXXX   XXXX area, and it was in the form of a job opportunity, I went to the place I did work and I was physically handed a check for working for this company. I worked for a month until I got my first check, along with that I gave them my account and routing number for direct deposit, and they told me I would start getting direct deposits for my second payment. The first way I got paid was through a check. I deposit the check and there was a hold on it, I believed it was normal. Then one morning I check my account, my account was negative {$3300.00}. I was on the phone with Navy Federal from XXXX to XXXX the next day and its not until a week later they finally made a fraud claim. A month goes by and finally the XX/XX/XXXX Navy federal calls me to tell me I would have to take care of the negative in my account and theres nothing they can do about it. Along with the investigation, I filed a police report and the people I was working for are nowhere to be found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
To whom it concerns, Wells Fargo received a cash payment on my credit card account on XX/XX/2019. Yet, they still show that I owe a balance of XXXX, after making a payment of {$370.00}. The bank representative, XXXX, advised me that it takes 1 to 3 days for the payment to hard post to the account. 

However, in the interim ; I'm still accumulating interest on the erroneous balance of {$710.00}. The representative affirmed this during the call. I contend that this is fraud having been committed by Wells Fargo bank on the consumer. 

Additionally, Wells Fargo is also inaccurately report this erroneous balance to the credit bureaus, as they have in the past. 

I would like the FTC to investigate this matter,

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This was included in my Chapter XXXX Bankruptcy United States Bankruptcy Court - District of Kansas XXXX US Courthouse XXXX XXXX XXXX XXXX, KS XXXX Case Number XXXX - XXXX Open date XX/XX/2011 Vehicle Loan XXXX XXXX XXXX XXXX Account number XXXX " Bankruptcy Petition Fixed Rate '' No longer liable for this item

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I was awoken today to a notification that my credit score had dropped & a new account was added to my Experian credit file. I logged in to check what had happened, as NO action was taken on my part that should have resulted in this. ( Upon logging in, I was advertised to about Experian 's paid services, which I believe violates the fair credit reporting act, as it happens every time I log in & attempts to make it seem like I need to pay the company to receive the best data possible. ) Nothing had changed on my credit report for Experian that would explain this 20-point drop, but it is there. NO account ( that I can see ) has been added. No late payments ( real or otherwise ), no new collections, no new inquiries or lines of credit, NOTHING to explain why my score tanked 20 points. 

The nearest I can tell, my " Boosts '' potentially expired. I was alerted last week that they were having trouble accessing my bank account, so I logged in and FIXED IT after an hour of frustration, and the boosts still show on my account, so I am at a loss. 

Upon trying to call the Experian customer service number - which states that it is open Sundays - I can not get through the automated menu. It disconnects me 100 % of the time even when I provide FULL AND COMPLETE personal information. It does not even offer the option to talk to a human. The options are nonsensical and the system is broken. I have tried to call REPEATEDLY over the last week for the " Boosts '' issue above, and now this, and I am being refused service by this agency. This is unacceptable and I have wasted too many hours fighting with their phone menu. 

If old information has reappeared on my account and is being treated as " new '' information, that should not be happening. 

To sum up : NOTHING HAS CHANGED on my credit report, but my score dropped 20 points for no reason, and Experian refuses to provide accounting for such, instead opting to CONTINUOUSLY advertise their paid services with the implication I MUST pay to receive full information. This violates the FCRA.

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 2019-09-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX a payment of {$5500.00} was made through XXXX  XXXX XXXX on line bill pay. This payment was meant to make a payment to my XXXX Visa credit card. The payment was never credited to my Visa card. I called XXXX on XX/XX/XXXX and sent several on-line inquiries to XXXX. Their customer service said that the payment was actually not made to XXXX, instead it was made to SLS Mortgage Servicing on XX/XX/XXXX. Their customer service claims that even though the on-line banking name shows " XXXX '' the actual account # and information was for the recipient of SLS Mortgage. XXXX said they opened an investigation and faxed proof of payment of {$5500.00} from XXXX to SLS mortgage on XX/XX/XXXX and refaxed again on XX/XX/XXXX. Per XXXX at SLS Mortgage, they said it was never received. During a conference call with XXXX XXXX of XXXX and XXXX from SLS mortgage, XXXX refaxed proof of payment to SLS on XX/XX/XXXX. These proof of payment faxes included the SLS account # ( which is a closed account. ), the trace # and the case #. XXXX advised that she put in for a request for someone from SLS to call me back which no one ever called back. XXXX XXXX from XXXX also sent a qualified written request to SLS via regular mail on XX/XX/XXXX or shortly thereafter requesting a refund and provided proof of payment. I requested for XXXX to refund my money during their investigation on XX/XX/XXXX but have not heard any respond from 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 explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I had an account with XXXX XXXX in XXXX XXXX Pa. I owed XXXX. There were excessive overdraft fees on my account. I called main office in RI and received a credit for this amount after several phone calls from them not acknowledging the proof email of the credit, I wanted no problem and wanted to " wash my hands of them ''. I started to make payments on what I owed! I made a payment of what all was required of XXXX then XXXX then XXXX then XXXX then another XXXX. Total of XXXX. I checked the balance and found not one of these payments were showing! I was furious. I called and was told the account was already paid and closed. The credit showed for the XXXX I was credited. Though what happened to the XXXX I paid. I asked if I'd get it back. They said payments were not showing at all. I reported them all over with no luck. They sent me then to collections and I mailed proof! The collection stopped. Now I received collection from Convergent Outsourcing and have to mail proof here too. Who pays me for all my time to do all this? I disputed the amount of XXXX with XXXX and experience many times with no luck. I even sent or mailed proof. No luck! They are constantly being sued over charging their customers excessive fees and charges. It's in XXXX right now. When will they sue them in my area? They refuse to accept the credit they gave and my payments I made.

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 2019-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
They cant provide me with exact information of the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
XX/XX/XXXX bill from Navient for XXXX. Paid XXXX through auto pay which processed on XX/XX/XXXX confirmation sent from Navient. XX/XX/XXXX payment said not made. Called customer service they said they would apply it and get it fixed. XX/XX/XXXX notice from Navient my student loans were paid off, went into site to find accounts said XXXX balance but that I owed XXXX still even though I had only borrowed 30 something thousand to begin with. It is also not showing my XXXX payment and says I only owe XXXX in XXXX. Clearly they have misplaced payments and I'm highly concerned about why I owe more now after over 10 years of payments then I started with.

Company response to consumer: Closed with explanation