vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a student loan from Wells Fargo Education Financial Services dept. in Spring XXXX. Upon receiving approval for {$15000.00} at an interest rate of 12.99 %, I later came to understand that the loan was serviced in a subprime lending manner, per, the interest rate at the onset of receiving official notification that I was in fact, approved for the amount stated previously. Albeit, the statute of limitation on this loan has extinguished yet, I am still being charged although this is in violation of Texas state law as well as federal law as well, per, FDCPA. Statute of Limitations is defined as-The limited period of time creditors or debt collectors have to file a lawsuit to recover debt. The continuation of the existence of the Student Education Connection Loan, per, account number : XXXX has caused credit reporting concerns which have been adversely affected by this occurrence. I seek complete rectification and discharge of the loan. Wells Fargo has been contacted by my person and responded. In response they state that their Research and Remediation executive office have received my initial complaint and that it is under review, yet as a XXXX employee, I still face enormous fees per month for alleged payment owed on this student loan. This is in violation with the Texas Debt Collection Act. The description provided explains fraudulent, abusive, and misleading tactic used to collect on this debt which is over 10 years old. How can I be subject to paying a student loan which is in collections, when Wells Fargo also has not been transparent and accountable with regard of the lawfulness that they allegedly have to function as an " authorized debt collector '' in a jurisdiction that I as the consumer do not reside. In the likes of statistical data, In XXXX, Texans had an average student loan debt of {$26000.00}, which was well below the national average of {$28000.00}. Still, given the fact that the student loan debt increased by 61 % in the state from XX/XX/XXXX-XX/XX/XXXX while inflation increased by 22 % its a sizable issue. As I was in school at the XXXX XXXX  XXXX, I dealt with the disparity divested, per, being part of a student loan debt loan of 61 %. Moreover, I request modification from reporting this matter to any and all credit bureaus. In closing, it is my hope that this matter is given adequate and transparent examination and official response. At this time I have been compliant with the request of the lender, due to the threat and duress of prospective credit reporting by lender in retaliation.

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 2019-06-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
1 ) Submitted dispute to all three reporting agencies in XX/XX/2019 regarding Syncb ( Synchrony Bank/Paypal ) 2 ) The company, Syncb verified as reporting correct 3 ) Contacted Syncb directly XX/XX/2019 ( certified mail ) to investigate incorrect reporting info ( re-ageing account ) ( pay history ) 4 )  Contacted Syncb directly at different address per credit reporting address on XX/XX/2019 ( certified mail ) 5 ) Received response from Syncb advising sold account to XXXX XXXX, they did not address dispute issue ( re-ageing ) ( pay history ) 6 ) Submitted letter to Syncb XX/XX/2019 ( certified mail ) disputing account after dispute findings per FCRA 7 ) Syncb replied with letter dated XX/XX/2019 to contact XXXX XXXX 8 ) Sent reply letter XX/XX/2019 ( certified mail ) intent to sue letter

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 2019-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX2019 I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account ( screenshot attached ). I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA gave a partial refund, but said they could not issue a complete refund for this outrageous fee because they said it's a Federal Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraudulent inquiries are reporting on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Colony Brands, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX I contacted XXXX XXXX to pay a old debt was on my report XX/XX/XXXX as a charge off the company offered a settlement to pay account in full of XXXX and told me they would update my account with XXXX XXXX and contact them, well they did not I had to contact them twice to get a letter stating account settled in full .now XXXX XXXX has reported a charge off on my credit report a month past due on my credit written account off yet again on remainder balance of of XXXX which I had told them I would pay full amount on the phone at collection agency .I should not be getting hit with something when I have a letter saying account balance XXXX account setteled in full they have ruined my score it has brought my score down by 30 something points this month I had just moved up from the fair mark I have worked very hard to clean up my past mistaske this is taking to long to fix when it is clearly in black and white this is very unfair and unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To whom it may concern my name is XXXX XXXX The house was on XXXX XXXX XXXX XXXX XXXX pa XXXX loan # XXXX. 
Some where around XXXX and XXXX I applied for a loan modification with Wells Fargo my lender I applied over and over never to receive a answer of a loan modification the house went into foreclosure and I was evicted in 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
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
accounts appear on my credit report that I do not recognize and have not authorized.

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 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was on XXXX when I saw tickets for a concert for sale. I contacted the seller via text message as the number was listed and thats how communication was requested via seller. I used the Zelle App via my XXXX account and transferred XXXX $ to the seller for the tickets. They then stopped communication. I trying to get in contact with them from a different number they stated that the tickets were still for sale even thought i technically bought them and would never receive them. I contacted XXXX and was told that I may not receive the XXXX $ I paid for this scam back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
accounts appear on my credit report that I do not recognize and have not authorized.

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 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
accounts appear on my credit report that I do not recognize and have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ascendium Education Group
State: FL

Complaint narrative:
I have a student loan through XXXX XXXX who has a lawsuit against them. I agreed to pay a specific amount and have been paying. They transferred my loan to XXXX who has a lawsuit against them. They stopped accepting my money, started sending it back to make it look like I have not being paying I have a number of different companies calling me claiming they are the department of education and asking me for money. 

When I call both XXXX XXXX and XXXX, I am told I have a XXXX balance and the company call me is not associated with them and they have no idea who they are. This company who has all of my information references XXXX XXXX and XXXX. 

I believe this agency is a debt collect who access data bases and takes it upon themselves to collect and contact the parent loan people after they are successful in getting people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, my husband and I sold a puppy to an individual who paid us in good faith through Paypal. I received a notice from Paypal that there would be a hold on the funds for 3-5 business days, which I completely understand. When I hadn't received my money by the 5th day, I reached out to Paypal and was told that the buyer 's bank hadn't released the funds. This was a complete lie, as the bank had released the funds on XX/XX/XXXX. Then, for some inexplicable reason, on XX/XX/XXXX Paypal asked the buyer to cancel the transaction and re-send the funds, but to wait 4 hours. She again sent payment through Paypal on the evening of XX/XX/XXXX. During a XX/XX/XXXX call, the rep tried to tell me yet again that the bank hadn't yet released the funds and also and told me the funds would " without a doubt '' be released by the end of the day. As of XX/XX/XXXX, Paypal is still holding my funds and won't give me any explanation as to why or any indication of when ... if ever ... I will get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I have been trying resolve a credit card dispute issue since XXXX with Kohls/XXXX and to no avail. I have well documented letters and credit reports showing how Kohls repeatedly failed to resolve and remove the derogatory account from my XXXX, XXXX and XXXX credit reports. I sent three separate certified letters confirmation delivered on XXXX, XXXX and XXXX. Kohls failed to add any dispute remarks to my credit reports within the 30 day time frames allowed by law. I have attached credit reports from XXXX, XXXX and XXXX dated on the day the first certified letter was delivered and again on the 31st day of the 1st letter being delivered. Kohl 's has never furnished the credit bureau 's with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. I have very detailed documentation showing the certified letters signed for and delivered, time stamped copies of my credit reports showing that Kohl 's violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I just want this resolved and for Kohl 's to remove the derogatory accountfrom XXXX, XXXX and XXXX and all applicable credit bureua 's. Thank you for your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There is a company named Cach LLC attempting to collect an alleged debt in the amount of {$870.00} for XXXX XXXX XXXX XXXX XXXX. This debt is a result of fraud and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I took out a student loan through Nelnet to attend XXXX and had an outstanding balance. As a result, I was notified the IRS would be seizing my tax return to cover the remaining debt. My entire tax return was taken from 2011 taxes, however the debt is still showing as open, XXXX has stated the loan had been repaid but Nelnet has been less than helpful and says they have no record of debt being paid or my tax refund being intercepted. How do I go about resolving this? Is there a record or receipt I can obtain providing the information where my refund was intercepted, the dates and amount? This is still showing in my credit and has been constantly impacting my credit score severely for a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Debt collection agency Crown Asset Management LLC, fraudulent misrepresentation threaten to sue me without written notification about debt. I didn't received or know if I could dispute debt with Crown Asset Management LLC. XXXX offered me a credit card for {$1100.00} after I purchased {$1100.00} of products for my business, unfortunately, I discovered a toxic hazard in the premise and everything have been exposed and landlord evicted me with all my property wrongfully and violate my rights. Since I have been leaving with tremendous anxiety, mental loss frequently and suffered with general illness including brain anguish. Crown Asset Management LLC without my consent file for my credit report that I find that it is a violation from my rights. 
Crown Asset Management without serving any proper paper, have a court date and file his or her file on my file for access to my other court files information. I felt malicious acts from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had an equity loan with Citizens Bank. I paid it off through a refinance in XXXX of 2018. I started receiving bills after the closing saying I owed a balance. I went to my branch in XXXX Mass and was told they owed me {$220.00} and that they would send me a check and close the account. I kept getting bills. I went back to the branch two more times and was absolutely assured the problem was taken care of. I stopped receiving bills. A year later I received a new bill for {$120.00} and a {$20.00} past due charge. I called the home equity department and and was told I need to pay the fee even though they acknowledged I didn't owe it and the error was theirs. They offered to wave the {$20.00} late fee. I am very unhappy with the deceit and lack of taking responsibility hiding behind " the rules ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank hired XXXX XXXX XXXX, XXXX. to collect on an account that had already been paid in full. My spouse and/or I received court documents to appear in court for the account on XX/XX/XXXX. At that time, we were not aware that the account we were summoned to court about is the same account that had been paid in full on XX/XX/XXXX. Therefore, we entered into a fraudulent payment agreement, wherein the term " fraudulent '' is used because the account information was inaccurate, and false. After discovering this mistake in XX/XX/XXXX, I immediately notified XXXX XXXX XXXX, XXXX. via phone call, and email of the mistake, cancelled all payment arrangements effectively immediately, and requested a full refund of monies to them for Synchrony Bank. The total amount to be refunded is {$1700.00}. XXXX XXXX XXXX, XXXX, after receiving documentation from me supporting my position that the account had already been paid in full in XXXX, they immediately refuse to discuss the account, and the matter of the refund with me any further. On XX/XX/XXXX, I contacted Synchrony Bank via phone, and fax requesting a full refund, and second investigation into the matter. I also provided Synchrony Bank with documentation supporting my position that the account had been previously paid in full as of XX/XX/XXXX. Synchrony Bank stated they were unable to find the documentation in their records, therefore, my documentation was ignored. On XX/XX/XXXX, Synchrony Bank sent me and my spouse a debt collections letter requesting we pay {$3300.00}, the balance they are claiming as unpaid after deducting the {$1700.00} we paid to them via XXXX XXXX XXXX, XXXX. Currently, Synchrony Bank has not refunded us our monies, they continue to report inaccurate information to the credit bureaus. Synchrony Bank is in violation of section 807 ( 2A ) of the Fair Debt Collections Practice Act. I have attached to this complaint documentation supporting this complaint.

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 2019-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX STORE CREDIT CARD # XXXX-XXXX-XXXX WHEN ATTEMPTING TO PAY MY BILL ONLINE, I HAVE EXTREME TROUBLE LOGGING IN. MY PASSWORD IS NEVER ACCEPTED. I CALL THE CUSTOMER SERVICE AND THEN THE MANAGER ON THE DUE DATE TO EXPLAIN THE PROBLEM. I MAKE THE PAYMENT, BUT I'M STILL CHARGED A LATE PAYMENT FEE. I'VE ASKED THEM TO TAKE OFF THE LATE CHARGE THAT SEEMS TO COME EVERY MONTH NOW. AND I'VE ASKED THEM TO CANCEL MY ACCOUNT. THEY SAY THAT IF I CANCEL MY ACCOUNT - THEY WON'T TAKE OFF THE LATE FEE. ALMOST IMMY THERE IS ANOTHER LATE FEE, EVEN IF I DID NOT CANCEL MY ACCOUNT. I WOULD LIKE TO CANCEL MY ACCOUNT WITH XXXX XXXX AND HAVE THESE LATE FEES EXPUNGED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
My husband XXXX XXXX, scheduled an online payment of {$460.00} for XX/XX/19. Ally Financial processed the payment as {$1700.00}. We notified Ally on XX/XX/19 of this error and they processed a refund request confirmation # XXXX for {$1200.00}. Which would be the {$1700.00} - {$460.00} that the online payment was suppose to be. We were contacted XX/XX/XXXX and told that the refund would have to be for the full amount of {$1700.00}. We spoke to Supervisor XXXX, she processed confirmation # XXXX. On XX/XX/2019 we again were contacted by customer service and now told they are refusing to refund the amount because account would be 90 days delinquent. We stated that we would be making 2 payments immediately upon receipt of funds. They did not care and absolutely refuse to return funds. Even though we informed them that this mistake has caused us numerous issues at our 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 2019-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mitsubishi Motors North America, Inc.
State: TX

Complaint narrative:
Had an auto loan with Mitsubishi they say we were late one month out of the entire loan. That was the month that we moved an switch addresses. I called them to give them the information of our new address. I get a call the next month stating our payment wouldnt go through. When I had them check they sent the payment through using our old ZIP Code but our new address. I asked him to make notation of this error on their part and they said that it would not go against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
My card ending in XXXX is not being reported to any of the credit agencies.

Company response to consumer: Closed with explanation