vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing now in hopes to receive your help. Currently I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant part in this process. I am inquiring about the account number referenced in this complaint.

I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX and XX/XX/2018 and I am writing this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Disputed this account on all three credit bureaus and asked for validation ... .not address verification. 
Asked for chain of title if account was purchased from another country. 
Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. 

I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. 

I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/18, XXXX XXXX XXXX placed a debt on my credit report for XXXX for {$110.00}. This is not my debt. I have asked for identifying proof of my identification used to open this account and neither company has been able to provide that info. Therefore unable to prove its my account. I have never used XXXX because I have never owned a car because I can not drive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to make a purchase from XXXX XXXX on XX/XX/XXXX. I requested expedited shipping for the item.  XXXX XXXX   guaranteed delivery on XX/XX/XXXX.  Is recurved a notice from the shipper that the item would not arrive until after XX/XX/XXXX. I immediately called XXXX XXXX to cancel . They refused to refund me for 10 days.  PayPal claims to have a payment protection program, where if an item is not received they will refund you.  PayPal has not honored their policy and is protecting the vendor by allowing them to be non responsive for 10 days and hold my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
I have a business account with XXXX XXXX, on Tuesday XX/XX/2018 I was randomly charged {$200.00}. for a Keyword I was bidding on for {$1.00}. That {$200.00} charge instantly put my account over its limit and I was forced to pay google in order to get my account back online for my business advertising. I spoke with Google tech support before paying the bill and was told it was a " glitch '' and that I would be getting the {$190.00} back from Google. I haven't to this point and was informed they were NOT going to return the money at all. This particular " call campaign '' was setup by a Google employee and I had limited control over it as it was, but once charged they told me it was my doing and they wouldn't fix it, or return my money. I understand they may not  constitute an " emergency '' on the behalf of the FBI, or another agency, but I feel it is desperately worth looking into as it seems VERY unlikely this was an accident or that I am the only business this has happen to. 

I am a military veteran running a small business in a smaller demographic, my wife is a XXXX XXXX   XXXX and we live on a small working budget, in fact that {$200.00} charge from Google was more than 25 % of my entire advertising budget. I have spent thousands of dollars advertising with Google to  this point ( no more ) and yet I often just have to take their word that I received so many expense clicks in a day, even though I don't receive any calls for said clicks, or drum up any business from said clicks, but this one incident of a {$200.00} charge for a {$1.00} keyword is crazy, its illegal and wrong. I have parameters set to where I can't even spend over {$100.00} a day with XXXX, but yet somehow they can just charge me {$200.00}. I am sorry, I hope this is not a waste of someones time, I just fear I am one of MANY people being cheated by Google. I am not sure where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: NV

Complaint narrative:
I have a charge off account with XXXX XXXX XXXX XXXX, I was checking my Equifax report and I see inaccurate reporting in the payment history. Since Equifax is reporting the account inaccurate please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
False charges to my account. I have called BOA multiple times, they have refused to follow the regulations of my type of account! They charged {$35.00} twice this month. Once for {$1.00} and once for {$15.00}. I have tried to explain that not only is my account set up for overdraft protection. It is also set up for direct deposit where {$12.00} monthly fees are suppose to be waived. Since there are frequent deposits set up monthly they are not suppose to charge that fee. This is what it says when you sign up for the account. Same thing with the {$35.00} a month fees. I was told that there is overdraft protection where my Savings and my Checking are linked for my protection of these fees. 

These regulations are not being applied to my account and when I call into the Customer Service Call Center I am being hard balled by their agents. 

I was told by their agents on multiple occasions recently, that there was a problem with the " system '' allowing the fees to be waived. 

For starters I have overdraft protection, and I can prove that the money was suppose to be pulled out and transferred to protect me from these multiple charges. I was told that they could not fix this problem, though my funds are always in there. 

It was to my knowledge that as the consumer I am protected by these rights and regulations of the bank and FDIC. So why am I getting these fees that are not properly being handled by the 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 explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
Synovus Bank is fraudulently reporting that I have an " active loan '' with them. 

I had a loan with Synovus Bank, ( original lender was XXXX XXXX & XXXX ). This loan was charged off on XX/XX/XXXX due to lack of ability to pay at that time. An employee of Synovus, ) XXXX XXXX ), in an attempt to collect the debt " modified the loan in their system '' to show a lower monthly payment with a balloon payment of {$5800.00} in XX/XX/XXXX. She said she was doing this to help me out. I never agreed to such modification! This change showed the account open and every month an additional late payment. 
I tried several times to get Ms. XXXX to report this loan as it should be. That being charged off, no monthly scheduled payment, no balloon payment, and a reporting of a Date of 1st Major Delinquency on my credit report of XX/XX/XXXX, but to no avail. 
After sending a certified letter to the bank president, I was contacted by XXXX XXXX. Through several talks and explanations, he seemed to try to get this reported correctly. In XX/XX/XXXX he did get the late payments removed, but said they added that the plan was being " Paid under a partial payment plan. '' I advised their was NO SUCH PLAN agreed to and that it needs to be removed and the Date of 1st Major Delinquency needs to be corrected. He called me back and said that the 1st Major Delinquency date was corrected and that it would take about a week to remove the " partial payment '' wording. I have left two messages for Mr. XXXX but no reply. 
I pulled my credit file this month. The Date of 1st Major Delinquency is still listed as XX/XX/XXXX, it still says that a payment plan is in effect, and the balloon payment amount has risen to {$19000.00}! 
I feel that Synovus is purposely failing to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
working for a public service for 5 years wasn't offered pslv by navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to complain about the lack of customer service and proper procedures from Chase Bank. I have had and maintained a checking and savings account at this bank for several years. On last week, I tried to obtain an online personal loan, the company contacted me and told me I was approved, they needed my routing number and account number in which I provided, they told me how much would be deposited into my account, later that day they called me and said my bank would be sending me a passcode and to give them the passcode, I did and they claimed they deposited {$240.00} into my account, I informed them that no they did not. They were able to get into my account and make a fraudulent claim, that's how the passcode was sent to me. When I figured out what they did, I called Chase immediately to report it, then I called the company at XXXX. I told them not to contact me again and that I was calling my bank, because this was fraudulent. They were trying to get me to withdraw the {$240.00} and send to them from XXXX or XXXX, I told them I was reporting this to the police and to my bank. Someone how they were able to get into the banks system telephonically and fraudulently portray me as if I was making a fraud complaint about some funds that I had already received from the bank a couple weeks earlier. I contacted the bank immediately, at the time this happened, I only had about {$160.00} in my checking account, but when I checked it, it had a balance of {$400.00} and I told the bank that the balance was incorrect and I explained what I figured out had happened, someone was trying to scam me. I instantly called the bank to inform them and the very next day, they changed my telephone password and I felt like the matter was resolved. I tried to withdraw some funds for my personal use and could not, I called the bank and was told there was a restriction on my account and that the bank was closing my account. They would not provide any details as to why am I being punished for fraudulent activity that I reported regarding my account. I never withdrew the funds, no explanations were given and I feel as if I'm being treated unfairly and possibly damaging my credit by Chase closing my account due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I cancelled my Bank of America credit card. They sent me a new one I didn't ask for. 
I never activated the card they sent, charges appeared on the card I DID NOT ACTIVATE B of A cancelled the charges and said they would cancel the card. But the account is still open and contacting them is incredibly difficult. I DO NOT WANT THIS CARD OR ANY OTHER B OF A PRODUCT. I want them out of my life.

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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted Equifax over an attempt by a 3rd party to do a hard inquiry that failed to return a valid response. They confirmed that there is an account present, but are unwilling to provide insight into the process to rectify the situation. The only response provided was to send a request in writing and wait 2 weeks for them to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: PA

Complaint narrative:
I submitted an investigation request to Equifax over the summer. Several months have passed, and I still haven't received a response yet. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My Name is XXXX XXXX and I went to XXXX University in XXXX Florida, which i finished back in XX/XX/XXXX. In XX/XX/XXXX XXXX was Shot down do to a lot of Problems and lies with that school. They never helped me as they Promised to find Employment, and they lied to me about the Total amount that my XXXX XXXX XXXX would be for only 2 years. From {$14000.00} and some change that i was told, they started charging me $ XXXX Change. They are Taking all my Taxes and on top of that they are going to take my XXXX XXXX away too. I have a Family to feed, and bills to pay in order for me to have a place to live. My life has been a Struggle do to the Fact that i still haven't been able to find a Job for what i Graduated from and have to live off of Min wage and Part Time Jobs. I can't afford to lose my check too or who will pay my bills and take care of my family. This School has done nothing but made my life XXXX and so has the student Loans, over charging for only a 2 year XXXX XXXX. Now XXXX sent me a Letter from the behalf of my Current Part time Job, that they will take half my check as well. This XXXX University has been nothing but a headache and a Scam and so is Salliemae and Navient Student Loans. I need serious Help because this is affecting my Life and My Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
No proof of Debt - I have tried repeatedly to have them provide proof of debt. They became hostile, rude and argumentative. They have provided zero proof of debt.. No original billing has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: FL

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX   XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX  XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX  XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

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 2018-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
My property taxes were not paid and I received a tax delinquency notice from the Municipality of XXXX which assessed additional penalties and fees. I contacted my mortgage company who paid the taxes in full on XX/XX/2018 in the total amount due for the year {$1800.00}. I requested an escrow statement and received the same. I noticed that on XX/XX/2018 a tax payment of {$1200.00} was deducted from my escrow account. I spoke to my mortgage company who stated that the payment was made to Municipality of XXXX. I contacted the Municipality who stated they did not receive the payment and have no record of the check. I requested that Freedom Mortgage, my mortgage company send me a copy of the check to take to the Municipality so they can research. I was told a copy of the check would be sent to me via email by XX/XX/2018 and I also requested a copy be mailed to me. I have not received either as of today and when I contact my mortgage company, they keep stating that the check was sent to the Municipality of XXXX, but will not provide a copy. {$1200.00} is missing from my escrow account and my mortgage company will not give me a copy of the check or an explanation of where the money was sent. As of XX/XX/2018 I received a notice from Freedom Mortgage that I have an 'escrow ' shortage and they increased my payment by {$46.00} monthly to make up the shortage. I should not have an escrow shortage and want the {$1200.00} put back in my escrow account or returned to 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 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back. 
-XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation