vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am retired, and living in XXXX. I have banked with Bank of America XXXX and their predecessors through mergers and acquisitions ) for over 50 years. Tuesday night, XX/XX/XXXX, I had a low balance in my checking account, but I knew I would not use the account until Friday, when my wifes paycheck arrives. Wednesday morning the account amount was higher because 2 fees charged put the account in the red and overdraft protection kicked in with a {$12.00} fee. Usually, when an overnight charge, such as an insurance premium occurs, I see the deficit in the morning and transfers funds. This time I had no chance to transfer funds and the bank had an opportunity to charge another fee. I did get the {$12.00} fee refunded, on the second call. 
Last XX/XX/XXXX the Bank of America started to charge fees for about every transaction made. Service fees charged taken from their statements : XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$0.00}, XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$290.00}, XX/XX/XXXX - {$230.00}. When complaining about the fees, Customer Service says my balance is not high enough, but my income has not changed on several years. ( Until about three or four years ago, I had a Merrill-Lynch IRA, about {$50000.00}, until they discontinued foreign clients, and I had to move the account to another financial service. ) The total charges to date are {$2600.00}. Now when I withdraw monies ( XXXX Q = about {$260.00} ) from the XXXX ATMs, here in XXXX, there are two service charges from B of A : {$5.00} and {$7.00}, for using another banks ATM and a foreign transaction fee. The fees charged are excessive, and many. Fees for use of an ATM, and fees, as a percentage of purchase with debit card. I was charged {$8.00} for a {$280.00} grocery purchase and {$5.00} for a {$160.00} purchase of prescription eyeglasses. Before XX/XX/XXXX there were no charges. In ten months the charges amounted to {$2600.00}. This is an outrageous example of putting profits before taking care of clients.

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A $ XXXX monthly fee was charged. I requested to close the account, and have the fee refunded. Wells Fargo closed the account, but did not refund the {$10.00} fee.

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 2019-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
my loan was transferred on XX/XX/2019 from XXXX  XXXX XXXX to specialized loan servicing llc ( SLS ). SLS has not sent a statement since the transfer. i have called several times asking for a mailed copy of the statement and they have not sent it. i have called several times and complained. the third time i called they emailed me a statement which was incorrect.since then i have called several times asking for them to email me a statement and they say they will send it to me and they do not send it. 

i mailed in a payment but since i do not receive a statement i do not know if they processed the payment to my account. i need help because i believe that this might be a scam. i looked at online reviews and others are having the same issues. 
this is the review site : XXXX XXXX XXXX all i want to do is receive a statement, pay my loan and be assured that it is credited to my account and not ruin my credit. thank you

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NV

Complaint narrative:
The company checkr had inaccurate information on my backround report that was completed XX/XX/XXXX. I disputed this on XX/XX/XXXX And on XX/XX/XXXX the completed their investigation and removed some information and sent me an updated copy. On XX/XX/XXXX my backround report was requested for another company and I received a copy of their report and nothing was removed. The same original disputed information was Still on there. This inaccuracy is preventing employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was contacted by a representative of Speedy Cash stating that I had a payment past due.I don't do business with Speedy Cash

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My loan from XXXX XXXX  XXXX was sold to SLS Mortgage back on XX/XX/2019 and my payment was schedule to start with SLS in XX/XX/2019. As I normally do as a responsible individual I continue making my mortagage payment now to the new company SLS and after 3 month that I have been dealing with them, they claim that I never did my XXXX payment in which XXXX  XXXX XXXX and myself have send several proof that I did my payment in XX/XX/XXXX but to XXXX XXXXXXXX XXXX not SLS because at that time XXXX  XXXX XXXX was servicing my loan. In addition to provide the information, I have been in contact with them several times during this past 3 month because I want to get this fix and all SLS have been harassing calling me every day, sending me letters that they are going to foreclose my house, and telling me that they are going to mess my credit. At this point Im not sure what else I can do because even when I have try dealing with someone directly at SLS to get this resolved, they keep passing me from person to person without any solution but they keep adding fees after fees because they want to collect again on something that I already paid. Besides all this I have proof from both institutions that my payment schedule for XX/XX/2019 has to be made to SLS and moving forward with them and I have done so. Please I need to get this resolved because this company is trying to take advantage of me when I have done my part. Also, I know that Im not the only customer that is going through this with them and they dont care to assist in any way.

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: GA

Complaint narrative:
I requested proper debt validation from this company based on sections 609 and 601 of the fcra they can not prove any debts this is improper based on USC 1611 therefore I'm requesting this unauthorized account be removed as soon as immediately I've done no business with this company please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
For no reason and Without any explanation they close my account with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since 2014 with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Based on Section 609 and 601 of the fcra and also USC 1611 this company he supposed to have proper debt validation in which when requested they could not provide therefore this account should be removed I've done no business with this entity please remove

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 2019-10-05 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: GA

Complaint narrative:
Based on Section 609 and 601 of the fcra and USC 1611 this  company is required to provide proper debt validation in order to collect a debt in which I have no knowledge of therefore this debt is inaccurate and should be removed from my credit report as soon as possible it is deemed has a fraudulent 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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX   XXXX XXXX # XXXX****, # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX I was charged a fee of {$21.00} by Experian for their HIGHEST LEVEL of consumer services. This apparently was initiated because I fell for a scheme to pay {$1.00} for a " One-Time '' credit report. The MOST TROUBLING ISSUE began on XXXX when I attempted to call the company to have the charge reversed. Initially, I was met with a requirement to " speak or enter [ my ] nine digit social security number ''. During that exchange, I attempted everything I could think of to avoid providing my ENTIRE SOCIAL SECURITY NUMBER simply so I could speak with a human. Ultimately the system disconnected the call. I then searched for, and found, 7 additional phone numbers in an attempt to speak to a person regarding the billing issue. To my shock ( disgust ), I discovered that there is no method of contacting Experian unless I am willing to provide my entire S.S. number! ( Yes, I called all seven numbers ) The number shown on my VISA billing statement is XXXX. And, the four most prevalent phone numbers found on the internet are : XXXX, XXXX, XXXX, XXXX. 

Out of frustration, I called VISA and proceeded to speak to many different departments. After 75 minutes it was determined that unless / until I contact the merchant ( Experian ) " we can not take action on your behalf ''. At that point I had invested 3 hours and 35 minutes, so I placed another call and did exactly what Experian designed into their telephone " greeting '' ... I provided my entire Social Security Number! Followed by : My home address, date of birth and previous home address.

Eventually, the person to whom I spoke was able to provide a " one-time courtesy refund '' for the one month charge of {$21.00}. But NOT BEFORE she did her best to get me to agree to any one of the SEVERAL DIFFERENT MEMBERSHIPS she offered. Only after thoroughly explaining that I will never be a customer of theirs, did she finally understand she was wasting her time. 

This practice of requiring a person 's S.S. number simply for the ability to speak to their customer service personnel, is an absolute breach of trust and a profound example of strong-arming their potential customers to provide the most intimate details of personal identity. The ultimate irony is that this is a " Credit Protection '' company ... but worse yet - I learned that the service for which I was billed was being provided by a company unrelated to Experian. It was a company that paid a licencing fee to use the Experian Brand!! If that doesn't make you scratch your head, I don't know what will.

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 2019-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal seems to think it's okay to have incorrect and non current exchange rates. I looked through posts from other users and it is consistent with my findings that they do not use up-to-date rates thus charging users more than necessary. Where does the discrepancy end up? Might want to look into that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been repeatedly treated in a reckless manner by representatives at Fedloan. They have offered unsolicited advice to put my loans into states of forbearance and deferment without explaining to me the consequences of such actions. 

This reckless advisement has resulted in over {$13000.00} in additional capitalized interest on top of my original balance. 

I am seeking a resolution on this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I have had an XXXX XXXX XXXX collection show up and damage my credit score without any notification from either the phone company or the debt collection agency.

I have never had any issues with paying off bills and ensure  everything is always paid off. 

Now this has shown up and really damaged my credit report. 

When I shut my XXXX XXXX XXXX account to switch to XXXX  I was assured that the account was in good standing by a ) XXXX in person in the store b ) XXXX XXXX XXXX over their phone support I have since received no communication from XXXX XXXX XXXX about this charge, I do not even know what it relates to. There is a {$72.00} collection showing up in XXXX XXXX that was opened on XX/XX/2019. The company collecting is " Diversified consultants inc ''. 

To be clear I have received zero communications over email, phone or letter from this company or XXXX since. My cell number has stayed the same, I moved address in XXXX but I set up letter forwarding with USPS so any communications would be received.

Why are they allowed to silently report collections like this? The {$72.00} is such a trivial amount this is now having a real impact on my credit score. I am a property owner and this type if thing is very serious when applying for a mortgage. What can I do to resolve this as soon as possible? 

Cheers, -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: VA

Complaint narrative:
I don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I would like to Negotiate a plan to get the speedy cash loan off my credit! If you could please contact me at your earliest convenience XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Closed on a refinance final docs signed XX/XX/19 Monday, I was told funding would occur that Friday XX/XX/19 via fedwire from XXXX. Called Freedom Mortgage to inquire why funding to my personal account has not happen in which they explained in did and it was funded. XXXX bank has no record on fedwire either and that they Freedom Mortgage would reach out sometime next week to XXXX to find out what happen ( delay tactics ). This just seems fraudulent behavior in the extreme by a mortgage company

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 2019-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX Car Care card was opened as a result of data breach of fraud was sent to some undisclosed address that I don't know and was used the moment it popped up on my credit report I contacted Synchrony Bank and the approve the claim and the listing was removed now they are constantly putting it back again with a different account number so that it can bypass the credit report filter and holding me accountable and trying to extort money out of me on a card that was never opened my me please help every single month reporting is removed a new account is issued and then back to square one

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 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: WI

Complaint narrative:
I received a letter from Halsted Financial Services LLC stating that I owe this company XXXX, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act, Compliance with this request is required under the laws of state and federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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:
Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.

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