vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I submitted a payoff of {$XXXX} to my PayPal credit Card Somehow it was sent to a closed PayPal account. They cashed it on XXXX, and for 3 months I have had to fax front and back of Cashiers check proving that they cashed it. They continued to deny it. Finally an account manager named XXXX ( Wo n't give me last name ) admitted they have had it for over 2 months and should have sent it back since the Synchrony bank account was closed. I waited XXXX weeks and followed up. After going through an hour long discussion the 2nd rep named XXXXy ( female would n't give me her last name or Email address ) stated that yes it was cashed on XXXX and the previous account manager had not processed the refund back to me. The phone number that I had called was XXXX. I called tonight and I 'm back to square one with an assurance that although they other reps have failed to process it properly that she would get it done. I need your help folks please this is so frustrating that they can get away with this. I beg you for some 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 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America engaged in intentional criminal activity to defraud consumers by manipulating its IT data to charge illegal late fees and interests, including to me. In particular, upon receiving my statement of XXXX XXXX, XXXX, I logged onto the Banks website on XXXX XXXX and authorized the payment of the full balance of {$270.00} on the due date of XXXX XXXX. The Bank confirmed this XXXX. Yet, the Bank did not post my payment until XXXX XXXX, and fraudulently charged me {$15.00} late fee and {$2.00}  interest, despite the next closing date of XXXX XXXX, XXXX. Moreover, should the Bank try to use smoke and mirrors to cover its criminal conspiracy, it must be noted that all purchases during that month of XXXX to XXXX totalling {$65.00} were returned for credit during that same month. In fact, the credits totaled XXXX. In short, my balance on the XXXX XXXX statement should have been a {$0.00} credit. Thus, despite my proper authorization of the full previous balance by the due date and no net purchases but instead a net credit, Bank of America purposely and intentionally tried to steal {$17.00} from me, as it surely does with other customers. Only IT software manipulation can explain the Banks actions. Like XXXX XXXX, Bank of America thinks that the public is too stupid to catch onto its criminal conspiracy. The Bank has ignored my dispute of the illegal fees and interest.

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 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: HI

Complaint narrative:
I was applying for a loan 1 year ago and found that XXXX XXXX had put me in collections for an account that I did not know existed. I dropped out of the school early in the semester. I called XXXX XXXX and let them know that they XXXX had reported the same account 2 times and they confirmed that there was only 1 account and set me up on a repayment plan of {$50.00} a month. I called Equifax to dispute the duplicate reporting with dispute # XXXX and never got a response back. 1 year later the duplicate reporting is still on my credit report. the correct account balance is {$1500.00} and being paid, their is another reporting of the same account with {$2000.00} that should have been deleted from the report over 1 year ago when I first disputed it. I have put in a new dispute with Equifax online the new # XXXX and I have attached the proof of payment on the account. If this does not get fixed asap this will cause me inconvenience in purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I could not access my account online and the phone tree system was non-responsive to touch-tone entries. I called at XXXX XXXX to XXXX. I 've tried multiple times to reset my password online and the web form simply states I have incorrect information, but I really do n't know what to do to gain access to the account since I do n't know what information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA

Complaint narrative:
Hello, I 'm writing in regards to a new mortgage ( 60+ Days ) that has been transferred between several banks and XXXX XXXX XXXX 

I have never received a statement or bill from any company and do n't know how much to pay. I 'm now in behind with the Franklin American Mortgage Company. I 've attempted to call and find out what the amount is but the phone system continues to re-route me or re-direct me. I can not contact their Collections Department and there is no number listed on their site or from XXXX searches. 

They have sent me two letters telling me I 'm late, with incorrect contact information or NO contact information for the Collections Department. They have hours of operation, very handy, but no way to call, not very handy. 

This is a violation of my rights under UDAP. I 'm being charged fees for a mortgage where I have NEVER received a bill from Franklin Mortgage. 

How am I supposed to pay if I do n't know the amount? They are trying to illegally service this loan and eventually take my home when they NEVER delivered a bill. 

I have have attached a copy of their Collections Letter as proof of this frustrating process. Other than a " Welcome to Franklin! '' letter, I have received only Collections notices of this vague nature. 

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 2017-10-25 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please 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. 
Enclosed are the following : A copy of my Identity Theft Report 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.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX started to call me, my family, and friends repeatedly since yesterday, XXXX/XXXX/17. He has been asked to not call and continues to call. It has caused XXXX, XXXX, and XXXX on our family when we have enough already going on with our XXXX XXXX son. I have no idea what he wants and who he is looking for. This harassment needs to stop!!!

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 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Back in XXXX I paid an agreed payment of {$690.00} to pay in full a collection instead of going to court and being sued and the agreement has n't been honored on the part of XXXX XXXX and their associates. They 're continuing to report incorrect collection information on my credit report and its causing my scores to suffer and my report to have a bad mark on it. I would like for this tradeline to be completely removed from my credit report and stopped reporting immediately! Per my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed I made all payments to you when I received my statement. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX 2010 ) for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: NM

Complaint narrative:
XXXX and Experian are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: FL

Complaint narrative:
My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.

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 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

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 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was approved for a Capital One XXXX credit card with intro 0 % APR on purchases and balance transfers XXXX/XXXX/XXXX. On the offer received in the " Our Balance Transfer Service : Your Questions Answered '' it states, " You can request a balance transfer after you 've been approved and have received your card. You can then call our customer service department or sign in to your account. '' After meeting the requirements of being approved and receiving my card ( required to set up online account ) I attempted to set up a balance transfer but was advised online that I am not eligible for any offers for 11 days after account opening. I contacted the customer service number and was advised this is company policy and ca n't be waived even after reading back the information provided on the marketing received which lead to me signing up for this card. I spoke with XXXX and her supervisor XXXX, ( ID XXXX ) on XXXX/XXXX/XXXX and was advised there is no way to waive this company policy and allow me to process a balance transfer in accordance with the information provided on the offer received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I spoke to a representative on the phone around XXXX XXXX about my loan and me still being in school. After I finished my class the quarter was over and the next quarter would start in 3 months are so, I contacted the loan department and inquired about why I received a letter stating that my loan was coming up for repayment status, I was advised to send in income information and in the meantime apply for a forbearance, by the representative. I applied for the forbearance she walked me through it online. I sent in my requested documents. and waited. I was sent and email stating my forbearance was approved and no payments were due. A couple of months went by and I received my credit report and found Navient on my report reporting that I missed payments for 90 days. I immediately called in and spoke with a representative about it. I was told by that XXXX that I must have missed the deadline and that it was nothing I could do, I explained to her that there was no deadline and that I had a forbearance that I was advised to do. She said I would have to send in another forbearance and apply for an income driven payment plan also to contact the credit bureau. I 'm confused as to what I did wrong? I was giving false information that lead me to have a negative item on my credit report by an agency that said they were working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
Good afternoon, I purchased a home through XXXX XXXX and my home closed on XX/XX/XXXX after a VERY long drawn out process. My first payment was due to XXXX XXXX on XX/XX/XXXX. I reached out to XXXX XXXXXXXX  to ask how I make my payment and was advised to mail my payment to XXXX XXXX. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to XXXX XXXX which they received AND cashed on XX/XX/XXXX ( confirmed by XXXX XXXX because I got a letter on XX/XX/XXXX saying XXXX was taking over my loan as of XX/XX/XXXX so I wanted to confirm they got my payment ). Round Point Servicing contacted me early XXXX to advise my payment was late. I let Round point know I was n't sure what they are referring to because I made my payment to XXXX XXXX and got conformation from XXXX XXXX at XXXX XXXX that XXXX development received the payment. I received a letter in the mail from Round point around XX/XX/XXXX or XX/XX/XXXX stating my loan had been transferred to them as of XX/XX/XXXX. I am in the middle of a battle with Round Point and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with Round Point to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX  about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XX/XX/XXXX advising I still need help because Round Point calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by Round Point, and nobody can seem to get back in touch with me at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation