vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: FL

Complaint narrative:
On XXXX XXXX, 2020, I requested an international wire transfer for {$47000.00} XXXX XXXX XXXX ( AED ) from my Synovus Bank account to a business entity in the XXXX XXXX XXXX, XXXX. Synovus completed the transfer but, did not inform me of hidden charges I would incur as a result of their deceitful practices. According to the XXXX Bank  of the XXXX XXXX XXXX, ( XXXX ), the AED conversion rate to USD on XX/XX/XXXX was XXXX, ( see below ). This rate has been consistent and pegged to the USA dollar since XXXX. 

1.00 AED -> XXXX USD XXXX UAE to US 1.00 USD -> XXXX AED Conversion US to XXXX Synovus Bank informed me they would charge a {$45.00} USD fee for the international wire transfer, which I agreed to and find acceptable. However, the conversion rate Synovus Bank charged of XXXX USD, ( which is higher than XXXX USD conversion rate stated by the XXXX Bank  XXXX XXXX, websiteXX/XX/XXXX: XX/XX/XXXX, is unacceptable. This event resulted in Synovus Bank  taking {$410.00} USD from me in hidden charges ( profits ) that was not disclosed to me. Synovus failure to explicitly detail additional charges acquired by use of excessively high conversion rates is deceitful. Synovus led me to believe the only charge/fee I would pay for the transaction over and the about XXXX bank  rate would be {$45.00} dollars, but in fact they charged me {$410.00} dollars by slight of hand with the difference in the exchange rates. The fact they used this practice to obtain {$410.00} USD from me in a hidden charge is unacceptable, deceitful, egregious and unethical. 

FYI During my recent travels to XXXX, I converted $ USD to $ AED multiple times at exchange centers throughout the XXXX Airport and XXXX Mall. They all had reasonable conversion rates consistent with the XXXX Bank  of the XXXX. ( See attached ). In addition, while using my Visa credit card for retail purchased in XXXX, they converted the funds from $ USD to AED automatically at rates consistent to those quoted by the XXXX Bank  of the XXXX. ( See attached ). I contacted Synovus Bank and spoke with multiple staff and managerial level personnel in Customer Service, International Wire Transfers and other areas. Their explanations were evasive, irrational and did not directly address my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC VIOLATIONS SENT EH FTC XXXX  : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-04-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC VIOLATIONS SENT EH FTC EXPERIAN : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APPLIANCES 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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Third party debt collector calling my employer repeatedly, has been told not to call again, but continues to call. Also made idle threats to sue me over a small amount that would only go to small claims, directly to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX I lost my job unexpectedly and could not make my payments so I ended up getting 6 months behind and I spoke with Chrysler about the issue was able to make a large payment to catch up the behind payments costing {$2700.00} in XX/XX/XXXX. I was able to make my XX/XX/XXXX payment at almost the double amount of {$770.00}, my payments are normally {$390.00}. I missed XX/XX/XXXX and XX/XX/XXXX and again I called Chrysler and made arrangements to pay weekly the amount of {$390.00} to make up any missed payments. It is now XX/XX/XXXX and I have not missed another payment and all payments have been made on time since XX/XX/XXXX but on my credit the loan is listed as " charged off ''. I have contacted Chrysler about this numerous times and no change, I have even contacted Chrysler executives to correct this. The car was never repossessed and I still have it and I am making the payments still. I didn't know it was charged off until I went to trade it in on another vehicle and the dealership wouldn't take it because it was a charge off. I can't get Chrysler to change the status to " paying as agreed, was a charge off '' or " redeemed repo ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Please reference complaint numbers XXXX and XXXX from XX/XX/2020. 

As of XX/XX/2020, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. Scott and Associates have lied to the CFPB, a government agency, and should be held liable. XXXX XXXX XXXX, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the Scott and Associates agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the State Bar of Texas. 

I will also begin to visit XXXX XXXXXXXX XXXX social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as Scott and Associates stated in the attached letter response ), they would NOT take the file back into their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove the account from my credit report that was opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm a Military XXXX XXXX. I opened a BestBuy/ CitiBank credit account on XX/XX/XXXX and closed in XX/XX/XXXX. From XXXX to XXXX, I was stationed XXXX on XXXX XXXX ( XXXX ). In XXXX I was informed there was a collection account on my credit report in connection to CitiBank for XXXX XXXX This was surprising because my account had been current, and actually had a + credit of XXXX $ when I requested that it be closed in XX/XX/XXXX. CitiBank has been unprofessional and deliberately uncooperative so far in my attempts to resolve the issue. I have provided my bank statement showing the fully paid account. I have also provided documents that prove that the error was caused by internal accounting, as noted on the bank statement, [ sic ] " Miss-applied payment ''. After promising to investigate the issue, CitiBank has been unresponsive for over 2 months. To make matters worse the account was sent to collections as recent as XX/XX/XXXX. There has never been any purchase with the credit card account in question since XXXX. How does an account that has been inactive for over 3 years, that also had a +100 ( when it was closed in XXXX ), end up being sent to Collections? Furthermore, CitiBank never contacted me by email or phone to notify me about delinquency. They have also failed to validate their claim ( purchase/transaction that created the debt ) despite numerous requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to BNY Mellon regarding my mortgage that served as a Qualified Written Request under Section 6 of RESPA. They confirmed receipt both verbally and I have the certified, return receipt post card dated XX/XX/2020. They have yet to respond to me in writing on my request. I will attach all of the documentation but they are not allocating my payments timely, sometimes 60 days after cashing my funds, continuing to provide incorrect statements, and not allocating all of my payments to my account. This is inflating my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I just reviewed my annual credit report and ran across several errors on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AR

Complaint narrative:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXX/XXXX  XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$5000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$900.00} XXXX XXXX {$1900.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$31000.00} XXXX  XXXX {$62000.00} XXXX/XXXX  XXXX {$400.00} XXXX/XXXX   XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXX {$360.00} XXXXXXXXXXXX  XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXXXXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$590.00} XXXXXXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizen One has been harrassing me for a month now. I want them to send me a 30 day payoff which they haven't. I have been on the phone for 3 hours and they didn't answer. I tried to get on their website and they kept telling me the wrong password so I changed it 3 times then they said my user name was wrong. This has been gone on for months. Then I tried to email them and couldn't I t didn't go through. I made a payment of {$720.00} in XXXX then another payment in XXXX for {$660.00} I just got a bill for {$2100.00} They said I was past due. They are wrong Fraud is what they are doing.In 2015, they said I didn't make a payment. That was Citizens Bank. I had to pay their lawyer {$1000.00} to their lawyer or they were going to take my house.I am a senior citizen and I don't need this harrassment.Please help me. I have read other customer reviews and they also told me to get out of this bank. Please help me. I want other people to see this and to see their reviews. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Third party debt collector calling my employer repeatedly, has been told not to call again, but continues to call. Also made idle threats to sue me over a small amount that would only go to small claims, directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: LA

Complaint narrative:
I just reviewed my annual credit report and ran across several errors on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I just reviewed my annual credit report and ran across several errors on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX the XXXX, I disputed a XXXX charge from XXXX  XXXX XXXX that I am not intended to purchase. But on the XXXX citi bank charged me the credit and on the XX/XX/XXXX they send me a letter said the dispute case is closed and I have to pay the money on 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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
I had disputed an amount owed to XXXX long ago and after many calls with their agents trying to resolve it ( with no success ), they decided to pass this to an abusive debt collector. 

The company ( Receivable Management Services - XXXX XXXX XXXX ) employed abusive calling practices from an array of numbers ( creating confusion ) for a company debt which was converted to myself personally. 

I have found it impossible to work with them and reach an agreement. I dispute the amount they are trying to collect and they don't cease the calls or letters, now threatening to be reported to the credit agencies despite their not trying to find a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX currently reports on my Equifax account as verified and updated. However back in XXXX of 2020 I sent Equifax a letter of validation requesting a full and complete validation of this account. 

As of XX/XX/2020 Equifax sent me a copy of my credit report reflecting no changes to the account. And no methods of validation has been provided. This is a violation of FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX/XXXX   XXXX {$370.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5000.00} XXXX/XXXX   XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}

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