vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.

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 2018-02-17 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: AES/PHEAA
State: FL

Complaint narrative:
They can not seem to complete the process of me changing my payment plan to an updated revised pay as you earn plan. I've been trying for months to change and have not been able to. I've had trouble ending my deferment status, trouble getting a payment plan change, most recently I was placed in forbearance and due to make a {$5.00} payment while they changed my plan, now all of a sudden that has been changed and my payment amount is significantly higher with no notice whatsoever. I have no idea what is going on. When I call, I always wait a minimum of 1 hour to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I RECEIVED A LETTER DATEDXX/XX/2018 FROM I.C. SYSTEM A COLLECTION AGENCY. THE LETTER HAS ANOTHER NAME LISTED ON THE LETTER WHICH IS XXXX XXXX. 
THE LETTER HAS MY ADDRESS AND CITY AND STATE AND ZIP CODE ON THE LETTER BUT NOT MY NAME. MY NAME IS ( XXXX XXXX ) THE ORIGINAL DEBTOR IS XXXX XXXX XXXX I HAVE DISPUTED WITH MY CREDIT CARD ( XXXX ) and ( XXXX XXXX ) I HAVE RECEIVED A CONDITIONAL CREDIT WITH BOTH CREDIT CARD COMPANIES.

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 2018-02-17 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: FL

Complaint narrative:
My credit report shows a hard inquiry from XXXX. I have a XXXX card and have not used it in well over a year. XXXX balance. I am not looking for a second XXXX card and did not request one for me.

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 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Not my debt tried to tell them that multiple times but they call me constantly they even threatened my life I would like them to take this off my credit report and pay me some of {$1000.00} for the harassment phone call they broke the fair debt collection practices Act plus I am not even the grand tour of that credit card or alone or whatever this mark on my credit is I did not sign any papers to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX : Opened checking account with the promotion of the following terms : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

XX/XX/XXXX : Received a direct deposit from employer in the amount of {$300.00} XX/XX/XXXX : Called bank and CSR acknowledged bonus should have posted but he was unable to post the bonus. 

No bonus posted as of XX/XX/XXXX. Bank did adhere to their terms and conditions. Bonus was not posted within 60 days of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: AZ

Complaint narrative:
I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?

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 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
My account with TransWorld inc for ( purchasing power ) is Paid in full.

Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc.

I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}.

Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX   report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. 
PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. 

( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.

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 2018-02-17 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: NM

Complaint narrative:
I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: MI

Complaint narrative:
On XX/XX/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation 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 2018-02-17 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: AES/PHEAA
State: GA

Complaint narrative:
In XX/XX/XXXX, I submitted a timely response to recertify my IBR plan. XXXX botched it and didn't process my application, I had to spend time getting them to process it to prevent a payment increase. 

In XX/XX/XXXX, they audited my account and determined that I let my IBR plan lapse in XX/XX/XXXX and they retroactively capitalized {$13000.00} in interest onto my principal. 

I want that interest de-capitalized and I want damages awarded based on interest I have paid on that wrongly capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home. 

Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW. 

Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: RI

Complaint narrative:
OnXX/XX/XXXXXX/XX/2017. I requested a verification and proof of a collection that was place on my credit which I didnt know about. The collection agency did not provide enough proof that the collection is mine. I will upload a proof of what they send me.

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this

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 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..

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 2018-02-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I closed three ( 3 ) credit accounts with CHASE Bank. two accounts have been a year since it was closed. None of the three accounts are showing closed on equifax. This is showing XXXX in revolving credit affecting my credit score and the possibility of securing a future home loan.

CHASE has done this out of habit and nothing seems to get their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX i was never in a hospital since XXXX  and my medicaid paid but these collection saying that i was recently in the hospital which I know it wasn't me at all the amount is XXXX and the other saying XXXX I don't know who they belongs to but I want them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NJ

Complaint narrative:
on XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!

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