vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at XXXX. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by Bank of America to  XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions limited my account because I paid myself from my business account and sent a bill payment to my other bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Asked TransUnion and XXXX to research a collection on my credit report from XXXX XXXX. This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a new acct with Synchrony Bank a Lowes Store card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my Lowes card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep this acct open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I was in a tight situation financially, and needed a little money to pay one of my other monthly obligations due to being laid off for a time with no unemployment insurance. My credit score had dipped for a while so I had to go to a " poor credit score '' lender. I was able to borrow {$900.00} which got me through a hard week and kept everything financially afloat. 
I have been making bi-weekly payments for several months without missing any, and so I called the company for a payoff when it looked like I might be able to get this off my back and out of my budget. I had made 10 payments of {$130.00} at the time of the inquiry to their service dept., and figured that like other lender payoffs, the payoff amount would be less than a multiple of the amortized payments left. No such luck! They told me at the end of XXXX that the payoff was @ {$980.00}!! I have already paid {$1700.00} to date ; as of XX/XX/XXXX, and the payoff is still only the amount of the original principal! 
When I reviewed the original disclosure of terms before signing, I knew that because of my lower credit score, that I would not have favorable or low interest. I saw a " 1.09 % '' daily interest rate, and was not thinking that I would carry this loan more than a month or two. So, yes I'm stuck in this loan, paying $ XXXX or so and this lender is offering no early breaks. This is clearly a predatory lender ; circumventing US financial laws by virtue of being a federally recognized XXXX tribe! 
Upon closer scrutiny of the fine print in my contract, the loan agreement is governed by the XXXX XXXX XXXX XXXX of XXXX XXXX! They claim " Tribal Sovereign Immunity '' from suit and have a " Tribal Dispute Resolution Procedure '', which I technically could employ if I wanted to. I just wanted you to know that while I signed a contract which binds me, it still doesn't nullify the abusive and predatory nature of these loans which are extortionary by design and put people like myself, who have decades of good credit practices into an oppressive situation when hard economic conditions come upon us. Thank-you very much for hearing me out! Perhaps legislation can be introduced in the future which limits lenders of any kind from abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I keep getting calls from a company XXXX, saying they represent Capital One from a debt from XXXX15 and said court orders were going to be sent for garnishment. I dont not owe this debt and I see that they may be a SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I ( XXXX XXXX ) had given XXXX XXXX a check for {$14000.00} ( in her name ) for her services rendered - in the same manner and capacity that we have always paid her for the past 15 years. This check was given to her in XX/XX/2018. XXXX XXXX then gave the check to her business partner owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then did a mobile deposit of that particular check in her Bank of America Account . See attached Bank of America statement ( doc5 ) showing, credit given for the amount ( on XX/XX/2018 for {$14000.00} ) and also see attached cashed/cancelled check - the money left my account on XX/XX/2018. Then, on XX/XX/2018, Bank of America reversed the credit for the funds, called it 'debit adjustment ' and claimed to have sent a letter to the original sending bank - my XXXX XXXX XXXX XXXX Checking Account. All three parties involved have contacted Bank of America on several occasions and every time we do we are told that the bank is still doing an investigation. I understand their may have been an issue with the check being in personal name and being mobile deposited into a business account, but if there is any issue or investigation, Bank of America should have sent the money back to senders original account. Bank of America received the money from my bank in XX/XX/2018 and today 6 months later is claiming to still be investigating the issue and has been holding this money and did not give it to their account holder or back to my bank as the sender. They give us no other answers except that they are working on it. yet they have been holding our money for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a Inquiry on my XXXX and XXXX XXXX credit report for Capital one Bank on XX/XX/2019 I have NEVER applied for a Capital one card and need this removed. 

I have contacted Capital One to verify that a credit card was not opened under my name and they said there was not a open acct for me.. I asked about this inquiry and getting it removed from these 2 reports, and they said I need to mail them a letter and it could take up to 60 days. It takes 1 day to place this on my report I need it removed.. I am trying to obtain financing and this inquiry is making my report not look good and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: MD

Complaint narrative:
Trans union, XXXX, & XXXX have not removed unverified derogatory items from my report. In so doing, they have violated Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at MCM. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I applied to XXXX XXXX  to refinance my Ditech mortgage. 
I was approved for the loan in the amount of {$260000.00} at an interest rate of 5.375 %. Ditech was contacted several times by me and XXXX XXXX beginning XXXX XXXX in an attempt to secure a payoff amount for my current mortgage. The representatives at Ditech were aware that I was attempting to refinance my loan and assured me that payoff information would be sent to XXXX XXXX in a timely manner however, that was not the case. My original closing date was XX/XX/XXXX but Ditech failed to provide the payoff information before the closing date. After numerous attempts get payoff information by myself and my representative from XXXX, Ditech finally sent the information on XX/XX/XXXX with a payoff amount of {$380000.00} which included a daily per diem interest rate of {$1300.00}. Needless to say my loan through XXXX was rejected and I am back into foreclosure with Ditech. I truly feel that if Ditech had processed my request in a timely manner I would have been able to secure the loan through XXXX. 

Anything that you can do to assist me with this situation would be greatly appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: TX

Complaint narrative:
Navient services my student loans. I have requested an income-driven repayment plan, which would delay payments for one year, allowing me to get financially stable. I can not afford payments at this time. I began contacting them in XXXX and attempting to apply for this. They were supposed to email links and paperwork to complete this. I never received that. I called back in XXXX and XXXX, multiple times, and finally spoke to a rep in XXXX who walked me through the application on the Navient and Studentloans.gov website. She said everything was in order and it was handled. I began receiving emails last week that I have loan payments due in XX/XX/2019. Next month. I called them back today and spoke with a rep who claimed there was no signature so it was denied, but she could see the electronic signature so it should have been approved. I was not convinced, so I asked to speak to a supervisor. I spoke to " XXXX, Rep # XXXX '' who was very rude, argumentative and unhelpful. He blamed me for everything and told me that it was my fault, basically. He said they do not accept electronic signatures and that was why it was denied and that I will now have to redo the entire application process and make sure I sign it this time correctly. He talked over me, loudly and refused to answer my questions or help me at all. I was so frustrated with his attitude and talking in circles to confuse me and blame me that I asked to speak to a different supervisor. He refused to transfer me, telling me that he can not transfer me to his peer and that his manager is not in the office today. I finally hung up, feeling bullied, frustrated and back to square one. I just want this handled and for them to stop dropping the ball. I have done everything exactly as they have told me to do, and yet they deny the application due to their own negligence. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America charged me an interest fee charge of {$47.00} on XX/XX/2019 for credit card balance of {$3900.00} due on XX/XX/2019 according to the statement dated XX/XX/2019. On XX/XX/2019, I made a payment of {$4800.00} before the due date of XX/XX/2019. The balance left was {$260.00} as of XX/XX/2019 because this was a pending charge therefore I could not included it in my payment. 

On XX/XX/2019 Bank of America statement shows a second interest fee charge of {$50.00} for a balance of {$260.00} which was due on XX/XX/2019. 

I called them on XX/XX/2019 and talked with XXXX. 

He stated they charged me the second interest fee for the balance carried from XX/XX/2019 to XX/XX/2019 but I emphasize that the due date for that balance ( i.e. {$5100.00} XXXX was XX/XX/2019. As I mentioned above, I paid {$4800.00} on XX/XX/2019. Therefore I should not be charged interest for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I own a piece of property in XXXX XXXX XXXX Florida. The loan was owned and serviced by XXXX XXXX. 

In XXXX, XXXX the loan was sold to Shellpoint Mortgage. When I started receiving invoices from Shellpoint there was an additional charge of {$690.00} entitled 'Prior Servicer Charge '. The charge appeared to me to be very arbitrary. I inquired about the charge with the customer care using the phone number provided on my invoice. After going through many hoops, in was told I could only resolve this with emails to the servicing department. I never received this charge from the prior servicer XXXX. 

I emailed Shellpoint servicing. XXXX XXXX of Shellpoint replied that there was a small charge for property inspection on XX/XX/XXXX, and a large charge labelled 'maintenance '. Maintenance of what? Why? That was XXXX XXXX, XXXX and I did not get a reply since then. 

I called again today and spoke with XXXX, who called it simply 'property preservation ' and did not offer any further explanation or resolution. 

How is that lenders are allowed to add arbitrary charges without any disclosure whatsoever. It seems inappropriate at best and illegal at worst. I believe this is cost associated with servicing the loan which should be picked by the servicer and not passed along to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have three collections reporting from XXXX, I requested an investigation from them directly and from Equifax. I have not gotten a proper response from XXXX I am unsure of the correct reporting and I don't believe equifax  has done a proper investigation into this matter. They just keep verifying the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi charges {$95.00} annual fee for the AAdvantage card that I have with them. They have historically waived the fee given that I have been a long time customer with strong credit. This year they did not waive so I informed them I would be canceling. I canceled the card and asked for the prorated fee back ( which they had explained that I would received once I canceled ). 

They informed me that I would get nothing back because I canceled outside a 60 day window. I paid a full year annual fee ( which was paid in XXXX/XXXX statement ) and have received less than 4 months of value. I should be paid the prorated amount back, but Citi will not do so which is completely unethical.

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