vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXXXXXX on XXXX/XXXX/2017 obtained a copy of my credit report without my consent

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 2017-12-13 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: VA

Complaint narrative:
In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees  over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The credit card in question is one that I have not used in over ten years, but was recently charged by fraudulent spam accounts starting in XXXX of XXXX. Capital One did not send me bank statements that these charges were occurring ; therefore, I was unaware and could not dispute them earlier. I only found out that this was happening when Capital One started reporting my lack of payment to the credit reporting agencies. I received my first statement on XXXX XXXX ( after calling to inquire and demanding they send them ). 

On XXXX XXXX, when I made the aforementioned call, according to Capital One 's customer service representatives, they could see that these charges were made and were fraudulent. Evidently, there were other charges that were caught and denied ; unfortunately, there were other times they were not caught. 

On the same call, I was told there was nothing they could do to resolve the issue, that I would have to pay my {$320.00} bill in full. They also did not know what I could do to resolve the hits to my credit scores/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Syncb/ Walmart national credit cards airlines obtained a copy of credit report without my consent

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 2017-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I 'm unable to submit my dispute with Experian directly after many attempts I have 2 collection accounts reporting on my credit file that i have no knowledge of and I was not given a DV for any of these accounts I have no knowledge of these accounts 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 explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is  reporting a medical debt to the credit bureaus twice, under two different account numbers. 

The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. 

I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. 

On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On/around XX/XX/2017 my Capital One credit card ( XXXX XXXX ) was fraudulently charged 3 times by some one ( XXXX XXXX ) ( not known to me ) who got a credit card ( XXXX ) issued to her as an authorized user of my credit card. 

She had the credit card ( XXXX ) sent to her at an address in New York, ( my address on record with the bank is in Massachusetts ) and there she charged the card several times. I was advised by the bank ( Capital One ) that the person pretended to be me by presenting herself over the phone or on-line. Capital One case # XXXX. 

Following several discussions with the bank/credit card company I am NOT satisfied with their identification checking process such as using my on-line access information ONLY ( with no follow-up with me, such as sending a verification code to my mobile phone, or a message to my e-mail etc. ) about verifying the authenticity of such fraudulent activity. Also, the bank has been very un-cooperative in reviewing or changing their current practice in this regard. 

Request that you kindly investigate the bank 's practices in this regard, and insure that the bank has proper security systems in place ASAP and that they perform due diligence in order to safeguard customer data and prevent such unauthorized access to such data, and issuance of fraudulent credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: Ditech Financial LLC
State: CA

Complaint narrative:
My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.

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 2017-12-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on Experian and XXXX for unauthorized inquiries on my Credit Reports. Today which is XX-XX-17 I called Experian and XXXX only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my XXXX Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called Experian and the rep was so rude she would n't even let me get a word in. She then tells me that Experian is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from Experian and XXXX that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.

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 2017-12-13 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: GA

Complaint narrative:
I have had trouble getting my IBR application resolved since XX/XX/XXXX. I have had repeated contact with Navient regarding my account XXXX. I was on an in school deferment until the first of this year. After repeated faxes and attempts to get some resolution on my account, my account is now saying its 273 days behind. Navient 's excuse of not resolving my account was that it was being researched and they did not receive my income verification. I last spoke to them and it was supposed to be resolved as the month of XX/XX/XXXX. I work a XXXX job which I have been laid off from and I am XXXX XXXX. My income averages {$25000.00} a year and my student loans are in excess of 200K. They were faxed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with 22 pages reflecting my XX/XX/XXXX tax return which is my only proof of income. I do not understand how this agency can not get this right. They are not my only student loan servicer. I had a similar issue with XXXX XXXX and they resolved the matter just fine. Please advise. I do not know what to do. Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Requested wire withdraw at XXXX XXXX - XXXX XXXX, 2017 UTC in the amount of {$900.00} ( - {$25.00} wire transfer banking fee ) from Coinbase, Inc. and have not received the funds. Their online records show the wire " Completed '', however all attempts to contact their support have gone unanswered and I receive no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: KY

Complaint narrative:
In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.

Company response to consumer: Closed with explanation