vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NE

Complaint narrative:
I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports

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 2017-09-28 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: CA

Complaint narrative:
Equifax is reporting an account with XXXX XXXX XXXX as a chargeoff/current debt when my debt balance is now XXXX with nothing owed. The balance is approximately {$6000.00}. Equifax is refusing to manually check the records of XXXX XXXX to confirm that the debt is at a XXXX balance. XXXX XXXX is lying about me having a debt owed with them and their internal records needs to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In regards to the Bridgecrest auto loan that was paid in full, there were two 30 day marks added on XX/XX/XXXX & XX/XX/XXXX. I was in an auto accident and the car was totaled at the end of XX/XX/XXXX. On XX/XX/XXXX, my  insurance agency XXXX sent a check to pay the account off out on XX/XX/XXXX. On XX/XX/XXXX I received  another notification from XXXX that a new check was resissued to Bridgecrest as the original check dated XX/XX/XXXX was never received by Bridgecrest due to XXXX sending the check to the wrong address. This in no part is my fault and the two late marks received should not be on my credit. I have asked Brdgecrest to  correct the reporting and they state that they have no capabilities to make the corrections which I know is not true. I am a Veteran trying to purchase my family a new home and these two false late marks are keeping me from doing this. Please help!

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 2017-09-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am the administrator of an Estate, and am trying to close out multiple accounts with Bank of America so that the funds can be transferred to the Estate. I first went into a local Bank of America and provided the bank with the necessary documents to close out the account on XX/XX/XXXX. We were told that we had to use the Bank 's letter of instruction to close out the account, which we first requested on XX/XX/XXXX. When it was not received, we requested it again on XX/XX/XXXX. When the form was finally received, we filled it out and promptly returned it. Additional documentation was requested by Bank of America, the last of which was provided by fax on XX/XX/XXXX. When we checked in, we were told that the information was uploaded on XX/XX/XXXX and appeared to be in process. When we called today, XX/XX/XXXX, we were informed that information that we have provided has still not been reviewed, and that even with an  escalation request, we can not expect any movement on the processing of the funds for another 5-7 days. It is now over nine weeks since we first requested that the funds be provided to the Estate, with no clear expectation of when we can expect that the money will be received. The Estate has bills that need to be paid, and can not do so because of the significant delay in the release of the funds to the Estate.

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 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 2017-09-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 2017-09-28 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: CA

Complaint narrative:
I have specified multiple times to FedLoan Servicing how I would like payments applied to my student loan. I told them I would like and amount I pay, over the minimum monthly payment, to be applied to the principal of my loan with the highest interest rate. I have told them this through their online messaging system as well as through postal mail. I also specify this in the memo portion of the check I send to them. They have acknowledged receipt of these instructions and have told me they will apply my payments to the loans in the way I have instructed. Sometimes, they apply my payment correctly, other times they do n't. When they do n't, I have emailed them and messaged them asking them to correct the issue and ask if there is anything I can do differently to avoid the problem next time. They never respond to me or correct their error. I feel they are are either intentionally incorrectly applying my payments to nickel and dime me into paying more interest, or that they are unintentionally making the same error multiple times. Either way, when I contact them to inquire about the issue, they should respond and they should correct their mistake. I know for a fact that I am not the only one this is happening to, as I have multiple friends who have experienced the same thing. 

I believe they made this mistake on payments to my account credited XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX I received an email from the CEO 's ( XXXX XXXX and XXXX XXXX ) stating that Synchrony wanted to help XXXX XXXX victims. The email said they were not going to charge late fees, give credit limits and other services. I called on the XX/XX/XXXX to find out what services they were providing. The Customer Rep said they were only giving a one month extension. My next payment was due XX/XX/XXXX. I was approve for the extension. Today I receive a credit alert saying my scores dropped because my Sam 's XXXX was decreased by XXXX dollars. My limit was XXXX. I called Synchrony and the Customer Rep said I was decreased for lack of payment. I spoke to three Managers who said it was n't anything they can do but take off the late charges and give me another month extension. They  could not restore my credit amount. My utilization is at 97 %. Other credit cards which I have never had a missed payment or late charges may do the same because they will see me as an high risk.

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 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I had money in my account to cover all pending fees, bank assesed their monthly fees to my account and pushed my account into Negative and thens tarted charging me NSF fee and daily over draft fees and started finalizing pending transactions and continue to add new {$35.00} NSF fees for ever pending transaction that was there and prior to them assessing their fees. now they are charging me {$35.00} + {$5.00} daily over draft fee for every pending fee that should have been paid first instead of them taking their monthly fees first and then pushing every thing in the red.

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 2017-09-28 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: CA

Complaint narrative:
Equifax is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with XXXX and XXXX is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. Equifax needs to send a representative to manually check the records of XXXX so that it can be reflected on my credit report that I have a XXXX balance. XXXX is lying about this account so Equifax needs to properly investigate and this account needs be updated to a XXXX balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TX

Complaint narrative:
1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I made a purchase for {$61.00}. XXXX at an XXXX XXXX XXXX store at the mall near my home in XXXX FL XXXX XXXX XXXX XXXX. The sales person asked if I wanted to open a XXXX Credit Card and I said that I did not because I travel a lot and have a hard time keeping up with small amounts on credit cards and instead preferred to put everything on my XXXX and auto pay through my bank. She persisted however and even misrepresented that if I opened the account I would still be able to apply the charge to XXXX card which turned out not to be the case. XXXX days later I paid {$32.00} towards the {$61.00} which gave me a balance of {$29.00}. I was then late with next month 's balance because I was traveling and received a late fee and minimum charge ( whatever that is ) they reversed the late fee but not the min fees although they did give me a credit of {$.00} on finance charges which I had not been charged which was a bit confusing. I paid the new balance of {$31.00} and somehow ended up with a balance due of {$.00}. So with a balance due of XXXX cents they continued to charge late fees and minimum charges and finance fees until I ended up with a balance of {$56.00}. Honestly, I had not given the account another thought because in my mind it had been paid because when they said they would reverse the last set of late fees ( that had been added to a XXXX cent balance ) I was unaware that they would only reverse XXXX cents of a XXXX dollar minimum fee charge. When I called to settle the confusion, they refused to do anything about it and threatened me with continued late fees and interest if I did n't pay it. I was angry and demanded they close my account and subsequently wrote a check for {$56.00} and mailed it along with a letter to the president of the company, XXXX XXXX XXXX explaining the abusiveness of his credit arm XXXX XXXX. I have n't received a response but did get another call from XXXX XXXX today from an abusive rep who announced that my new balance is {$89.00} XXXX keep in mind this is on a XXXX cent balance ) and kept putting words in my mouth like " I am noting that you refuse to resolve this ''. I am attaching the print out of my account activity in support of the way this account has been handled as well as the XXXX spreadsheet I did to show the current balance after each transaction. I have also include my letter to XXXX XXXX, president and CEO of XXXX XXXX. I do not know what the law is but it can not be in support of this kind of abuse towards consumers and I appeal to you for some kind of help in resolving this. I have an excellent credit standing and pay my bills but refuse to be a victim of such practices. Thank you in advance. Please do n't hesitate to contact me if there is anything else you might need from me. XXXX XXXX, XXXXXXXXXXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: MD

Complaint narrative:
This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.

Company response to consumer: Closed with explanation