vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/JC PENNEYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Fed Loan Sevicing auto changed my student loan accounts from repayment to deferment, due to school enrollment, so I notified them to turn it back, because they did this to me in 2018 and I had already notified them back then to not do that, and they never notified me to send back a form. Now they are doing it again even though they have records of me participating in the PLSF program and notifying them to not remove me from repayment, but they take days to respond. The form they also sent me states I am able to fax it in to their number, but I do fax it, the fax states it is unable to connect to their line, so they are lying on their website and forms on how to submit documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 4M Collections, LLC
State: WA

Complaint narrative:
Discovery Financial Services attempting to collect a debt of {$210.00} for Emergency Services that was fully paid by my daughters insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CA

Complaint narrative:
Update XXXX : they sent me a check but then put a stop on it so it bounced when I cashed it! 

Reopening previous complaint, as XXXX is defrauding me and has stolen my money. 

Previous complaint : XXXX I contacted Key Bank on XXXX, 2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA

Complaint narrative:
Have a Reverse Mortgage with Reverse Mortgage Funding since XXXX. Beem inmy home since XXXX and this year is the first time we were not able to pay the property taxes we made arrange with the XXXX Collection for the {$XX/XX/XXXX}, XXXX but the Reverse Mortgage Company went ahead and paid it and is giving us 30 days to pay the {$XX/XX/XXXX} or they are going to foreclose on our home I let the Reverse Mortgage Company and Tax Collection know our situation my husband has XXXX this is his second time and we were having financial problems due to the XXXX treatments. 

He was in the hospital on the XXXX of XXXX due to an XX/XX/XXXX XXXX and his XXXX shutting down and he is back in the hospital as of XX/XX/XXXX with low XX/XX/XXXX XXXX rate and XXXX. It is not like we are not trying to pay we were going to pay so much each month. We have lots of equity in our home but they keep changing the rules now they say I have to wait until I am XXXX. 

I feel like this company is being unfair and to the it is all about the money they do not care about people just want them to work with us nit sell our home and put us out on the streets we are both XXXX XXXX and XXXX XXXX XXXX where will we go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I have XXXX and it covers any xrays. This is a bill is for an X-ray that I know my insurance covered

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
I have update my address with Experien, XXXX, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, Experian and XXXX  will not report my current Address. I also have disputed negative unverified accounts with Experian, XXXX  and XXXX  and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.

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 2019-11-04 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: NY

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IL

Complaint narrative:
I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX. 

Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me. 

Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have update my address with XXXX, XXXX, TransUnion, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, XXXX and TransUnion will not report my current Address. I also have disputed negative unverified accounts with XXXX, XXXX  and TransUnion and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.

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 2019-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have update my address with XXXX, Equifax, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the XXXX credit bureaus, Equifax, XXXX and XXXX will not report my current Address. I also have disputed negative unverified accounts with XXXX, Equifax and XXXX and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: IN

Complaint narrative:
Experian, you're practice is unacceptable. {$91.00} out of a {$1000.00} cc balance was paid in full XX/XX/XXXX. My fico was a XXXX now it's a XXXX, it should have gone up but you've avoided doing that knowing if you wait and update later in the month the score will only go back up a few points which in turn will benefit the unlawful deals you have with corporations ( selling peoples private information ) forcing people to try and get more credit to better their score, in which it will only drag their score down more ( vicious cycle ). XXXX  and XXXX updates monthly. My score should have gone up. Previously, 2 years back ( XXXX ) my score was all over the place with experian ONLY and no explanation on my report or from experian and when I called to find out experian said they couldn't tell me why my score was dropping every other month ( for 6 months straight ) and that it would say on my credit report but I had been checking prior to calling experian ( for 6 months ) and no reason was given, no inquiries, no attempts at use of credit. I was living in XXXX XXXX and wasn't touching my credit. I informed the individual I had been watching for 6 months, no reasons were on my report and she said she couldn't tell me and I would have to check my report ( $ $ $ for them right ) I repeated myself and so did she. Experian is criminal and this is unacceptable. As experian has been proven to sell peoples information illegally and with out consent, they need to be stopped.

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 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have no personal or business knowledge of any transactions for this account from this company address on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: U.S. BANCORP
State: NY

Complaint narrative:
On or about XX/XX/2019, I went over my credit card charges and discovered that unauthorized charges were placed on my credit card issued by US Bank. Upon talking with their fraud division which has a division for checking and savings accounts and a separate division for credit cards it was determined that someone tried to open a checking and savings account in my name. I filed all the forms the bank asked for and reported this to the three credit bureaus as the bank instructed me to. The charges were canceled and a new credit card was issued along with a card that I did not authorize which I had the bank cancel. 
Now on or about XX/XX/2019 when I tried to make a payment on the phone, I learned that about {$4100.00} in unauthorized charges was made on my new credit card as a bank transfer from a checking account and charge card which was opened without my authorization or knowledge on about XX/XX/2019. I learned this from the bank 's fraud division. They said they will close the checking account and charge card as well reverse the fraudulent charges. As of today XX/XX/XXXX, the charges are still there, there is no manager to speak to and it astounds me how the bank allowed another fraudulent account to be opened in my name.

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 2019-11-04 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: PA

Complaint narrative:
For several years I have not been able to access my EQUIFAX credit report via free annual website. Identification questions ask me obscure information from old accounts that I do not recognize. I have had to send in written request to obtain report. I attempted to access my report via EQUIFAX website which was also unsuccessful. No problem with XXXX  or XXXX XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX TransUnion are reporting my balance for a XXXX XXXX XXXX incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX XXXX reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/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 2019-11-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, Equifax & XXXX are reporting my balance for a XXXX XXXX Visa incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX visa reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
NFCU has repeatedly given me the wrong information regarding my payments and late fees on my account to the point where I have incurred a ding on my credit report due to erroneous payment information given. I am unable to login into my account due to software issues on there system and this issue has been noted on my account. I continue to make my payments by phone so I rely on their customer service to give me the correct information. The latest being I paid {$200.00} in late fees only to find out that instead of them processing the payments on for the late fees they processed payment for principle balance. The promissory note states that if you are in default all charges, which includes late fees become due. They are being deceitful because they want me to continue paying interest on late fees that have already been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
There is something fishy going on a Navient. I have tried to payoff my student loans twice this year. And both times they come back to me and say I owe more fees and interest. My last attempt was this month. After sending in the stated amount they said I owed to pay this off - they now say I own another XXXX on the last assessment of XXXX following is the email I just sent them. 

" I've tried twice, both unsuccessfully, to pay off my student loans this year. The problem is an odd one. I pay what you say on the web site is due to pay them off - and then you bill me another balance due. Just this month was the second time this has happened. Earlier this year I sold a property and attempted to pay off the loans and was billed XXXX above what your web site said was due. When I called and said I had requested a payoff before I sent in the payment, your customer service agent was not familure with that term. This month I tried to payoff that XXXX and I am billed another XXXX on the last XXXX I was billed. So my question is how will I ever be rid Of you if we continue down this path so I am sending this email to the CPFB as well so maybe someone can address my concern. I want off your rollercoaster so I can tie this up before I retire. '' So CPFB something is fishy here. 
XXXX XXXX

Company response to consumer: Closed with explanation