vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. Wal-Mart no longers uses Synchrony Bank and they keep trying to collect from small consumers instead of suing Wal-Mart. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXXXXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.

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 2018-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I obtained a student loan in XX/XX/XXXX as a teenager on my own in order to go to art school. I completed and graduated from art school in XX/XX/XXXX and was successful in my field early on, but the technology changed quickly and my skills were soon outdated.

I originally borrowed approximately {$20000.00} for a two year program, but not long after graduation, I was no longer employed in the field and my school did not honor its promise that they would continue to help with employment after graduation. 

I was employed, but struggled to continue to pay my student loans and my XX/XX/XXXX, I had defaulted and lost everything. I moved back home and was able to get back on track paying my loans and decided to go back to school at University XXXX XXXX XXXX. None of the credits I had earned at XXXX XXXX XXXX   XXXX were transferable to XXXX, so I had to start completely over on my XXXX degree, even re-taking the prerequisites. While I was a student at XXXX, my loans were on deferment, gathering interest for 6 years while I studied for my XXXX degree. I did not use student loans for my XXXX degree at XXXX. 

I graduated from XXXX in XX/XX/XXXX and had a baby in XX/XX/XXXX. Needless to say, that making my student loan payments was the least of my worries. I defaulted on the loans with Sallie Mae and was able to get back on track with my payments after my divorce in XX/XX/XXXX. But by that time, my loan balance had grown from my original {$20000.00} to almost {$80000.00}! 

I am paying my student loan now under the income based repayment plan, and I am a single parent, so it is based only on my income. But, I have not managed to make a dent in the loan after all these years, and I will be paying for this mistake until I am at least XXXX years old. I can not buy a home because Sallie Mae is still reporting on my credit report, even though they no longer service the loan. 

I requested my original loan documents from Navient from when I first signed back in XX/XX/XXXX, but Navient could not locate them. I have tried before to settle this matter and reduce the debt so that I could eventually pay it off, but my requests fell on deaf ears. I have been wronged and not given ample resources to pay this off. It seems incredibly unfair to try and repay over {$60000.00} in interest charges. I know that I made some mistakes in my youth, and I am willing to pay what I originally signed up for, but I am sick of being punished!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial
State: LA

Complaint narrative:
Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.

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
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received an attempt to collect from XXXX XXXX through a collection agency by the name of XXXX XXXX, XXXX They offer to settle a so called debt of {$5100.00} for the sum of {$1800.00} This debt was settled on XX/XX/2015. I have copy of dissmal document I believe XXXX XXXX XXXX by way of Convergent is trying to defraud and scam 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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I want the ALL the fees restored to ALL my accounts with BANK OF AMERICA from the time I began accounting with the since XX/XX/XXXX to 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 monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
my name is XXXX XXXX on XX/XX/2017 I went to XXXX XXXX to purchase appliances and was told that If I applied for a XXXX credit I can get 3.99 % for 36 months on my {$10000.00} purchase of which {$8000.00} was charged on the store card. I made the purchase and when I received my bill I noticed that I was being billed 21.99 %. I went back to the store and advised of the error and the store Manager XXXX called the credit department and advised me the the issue was fixed. After a few More months and countless phone calls and visit to the store the issue is still not resolved. I called the credit department and Spoke to XXXX @ ext XXXX who advised me that she can see the account is noted and she can see that I was wronged but there is nothing she can do for me and asked me to hold. She put me on hold for an excess of 30 mins and never came back on the line.. 

This was unfair and deceptive practices bait and should be an illegal practice. XXXX XXXX is benefiting off the misleading information they gave me as a consumer. 

I can be reached at XXXX or XXXX XXXX XXXX CC act # XXXX XXXX XXXX XXXX issued by Synchrony 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 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: FL

Complaint narrative:
on XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, for a ELECTRONIC FUNDS TRANSFER. There was NEVER, A Check, I was already in there, XXXX XXXX, so I did not need one.. MY Bank had SUFFICIENT FUNDS @ the time of this ELECTRONIC TRANSFER.ONE WEEK later ( TRS ) XXXX XXXX/tel-chek. sent me a notice saying, I did not have funds in this account. I have back records to PROVE THERE WAS.!! This should have been cleared in XX/XX/XXXX. I go to cash a check from a different bank XX/XX/XXXX and they said no. I SAID WHAT.. ( TRS ) Tel-check only have P.O. box # s The are owned by first Data who have OFF SHORE ACCOUNTS with ALL of AMERICANS MONEY. WHY would they need to do that??? CROOKS. If they want XXXX, XXXX to get the real people on them,, they need to CLOSE, this account and CLEAR MY NAME.IT 's not XXXX XXXX 'S JOB to do what a XXXX XXXX XXXX   EMPLOYEE SHOULD have done. It's time to bring in my friends from XXXX XXXX XXXX XXXX. I will be more than happy to give ALL MY PROOF. NEVER take a check to XXXX XXXX XXXX in XXXX.. Give your money to people that DON'T Take MILLIONS a day from hard working people.

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 2018-05-04 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: NC

Complaint narrative:
I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.

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 2018-05-04 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: IL

Complaint narrative:
As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. I sent them all appropriate information to identify me. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I have lodged disputes witXXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/XXXX I had a XXXX XXXX and had XXXX XXXX in 7 months and was not able to work. During this time, I was not receiving my paycheck due to my employer not properly completing my paperwork. I had worked with Navy Federal Credit Union and XXXX XXXX XXXX in XXXX, CA and they agreed to purchase the XXXX XXXX   that I had in XX/XX/XXXX. I was advised that this was an easier way to get rid of the car without a repossession on my credit report due to the fact I have a security clearance with the US government. Once XXXX XXXX obtained the title of the car, I signed the papers that I needed to and left. Flash forward to XX/XX/XXXX. I start to receive notices in the mail that I have a car payment coming due in XX/XX/XXXX, for a car that I have not had for almost 3 years. I call Navy federal and they advise that they had applied the payment that was received from XXXX  to my loan? Which was wrong, and I tell them that I don't have the car and that I am not paying a balance. I have made numerous phone calls and attempts to try to settle this car loan balance and status. All to which, Navy federal agrees that they have messed up the paper work and gave a car to a dealership to include title but the loan wasn't fulfilled! But now all the sudden I am being held responsible for their mistake. I have even tried to offer a settlement to get this off my credit report. I just refinanced my house with XXXX XXXX XXXX we called the settlement and collections department. They talked to us on the phone and we offered them an amount ( XXXX ), to which was denied! I called back to the same person, who said that the next amount they would accept was XXXX XXXX   and the next time I called it was XXXX. I was like what happened to the other amount. When I spoke to them on XX/XX/XXXX for the last time, I was now given another story and run around saying that I am no longer allowed to talk to collections and settlements. I must talk to consumer loans to fix this. And that since my loan is current, there is nothing that they or a supervisor can do for me. I am agitated that this is their mistake, that they have even told me via numerous phone calls. I don't feel that after this long of a time period it should be something that all of the sudden lets try to make her pay a ton of money for it! I will never use them again for anything! I have had the worse experience, very frustrating phone calls, hours and hours long try to resolve an issue that isn't even mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB and T Bank allowed a non-signer, XXXX XXXX ( XXXX, XXXX ) to transfer funds from my account which was unauthorized. The total was {$180000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. is reporting an account which they claim I owe {$7100.00}. The rst attempt to resolve this matter was received via certied mail USPS ( XXXXXXXX ) on XX/XX/XXXX. I request validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX XXXX XXXX XXXX XXXX. responded with an itemized document, printout of original contract. As per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verication. Not only was validation not provided, the documents contained a copy of a XXXX Drivers License. This is beyond alarming especially being I never resided in the State of XXXX, which you can veried based on my address history on all three credit reports.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. Again, XXXX XXXX XXXX XXXX XXXX. responded with an itemized document this time containing my former State of XXXX  driver license.

Due to nature of this inaccuracy, and the detrimental effect to my ability to grow my XXXX XXXX XXXX, I have led a Small Claim Law Suit in the State of Georgia on XX/XX/XXXX in the amount of {$3000.00}. XXXX XXXX XXXX XXXX XXXX. should expect a 2nd Original serviced to their Registered Agent, XXXX XXXX XXXX XXXX, in XXXX County within the next seven business days.

Laws included in Suit : 1 ) FCRA Section 623 2 ) FCRA Section 605 ( c ) 3 ) FDCPA Section 809 ( b ) FTC opinion Letter Cass From XXXX  If XXXX XXXX XXXX XXXX XXXX fails to come to an amicable resolution or attempts to have a schedule court appearance moved, XXXX XXXX XXXX XXXX XXXX   must be advised of other potential laws broken : 4 ) Metro 2 Compliance 5 ) FCRA Part ( A ) ( 5 ) ( B ) ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I was charged an origination fee that was not disclosed before the loan was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: GA

Complaint narrative:
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.

Company response to consumer: Closed with explanation