vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019 I got an alert from a credit reporting agency about an enquiry from Syncb/paypal on that same date. Since I did not request any credit, it was cearly fraud so I called Paypal the next day to have them remove the enquiry from my report. 

I was told that since it was fraud, that it would be removed in next 7-10 days, I do not have a reference from that call as I left it in good faith. 

On XX/XX/XXXX the enquiry remained on my credit report, therefore hurting my credit score, so I called back again. The rep at Syncb/paypal said they didnt have any record from the first call, so I asked for a reference number, wich they gave me. It is XXXX. The rep told me once again that I would get a resolution in 7-10 days and a letter in the mail to confirm resolution. 

End of XX/XX/XXXX the enquiry still remains on my credit report so I called back again, give them the reference number but still no resolution and they now tell me it takes 2 months, and one has already gone by and my credit score is affected, The rep tells me however it will be solved very soon. 

Today XX/XX/XXXX the enquiry still remains, and I therefor I am wishing to file a complaint. 

It is very unfair for them not to escale an issue where I am not at fault. Some third person tried to open a card in my name, and was fraudulent. They acknowledge that the credit request was fraud, so why am I held hostage to the adverse enquiry on my credit report. 

Please someone help me, Paypal is not cooperating and I dont trust they willk remove the enquiry in a timely manner and its affecting my credit score, in a time where I am trying to get the best score possible.

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Attempts to collect a debt that is not owed.

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I opened an online checking and savings account with Huntington National Bank in XX/XX/2019. I made deposits, ordered checks, transferred money to relatives, submitted changes to my social security deposit, and took steps to close my account at my current bank.

2 weeks ago, I tried to make a mobile deposit, and a message said I did not have any accounts set up for that. I had done this in the past so I called to find out what was wrong. 
I was connected to someone that told me my account was slated to be closed. I asked why, and was told that several years ago I had an account with them that had been closed for overdrafts. I told her I knew of that account, and that at the time that happened I had suffered major loss from fraud ( someone was using my ss number, and had gotten hold of all of my banking information ), and that I had had health problems, XXXX, etc, and when I contacted Huntington later and asked who to make payments to  so it could be resolved I was told I could not do that. 
The fact that they allowed me to open my account the last time and I had used that account meant to me that the former issue had been resolved.

I had ONE check left to come through. But instead of paying that  check with my funds they returned that check and now I have additional fees to pay because of that. 
I believe Huntington should be responsible for those fees, as they have not returned the money that was in my accounts that they closed with no notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: GA

Complaint narrative:
Ive written letters to inform this collection company that this debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF DISCOVER CARD ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from XXXX XXXX XXXX back to Discover Card at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because Discover Card will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine Discover had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling Shontae at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The XXXX XXXX have asked XXXX to mail back a check for {$6600.00} to XXXX XXXX XXXX to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay Discover Card the lesser amount owed. 
The response of XXXX to my complaint ( dated XX/XX/2019 ) reads as follows : " XXXX HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO DISCOVER ''. COMPLAINT ID XXXX QUESTION : Why did XXXX send the full {$6600.00} to Discover? Why not send it to The XXXX XXXX? Why not brake the monies and pay my Debt to Discover and The remainder send it to The XXXX XXXX? Wasn't it THAT XXXX HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
I began using freedom debt relief to try and settle debt after a separation and ongoing divorce. I noticed that I had paid nearly {$250.00} in fees for one month, with a projection of {$97.00} for the next month while only paying down on one debt. They charged excessive fees, and when I called to cancel my account and withdraw remaining funds I was told there will be more fees and that they will return the balance in around 3 weeks.

Completely unhelpful and refusing to give back money that is not theirs!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 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: OH

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
NOTHING, in your list of things, as appropriate to my problem.

My problem is this : As soon as my local news ( last year ) reported about the Equafax breech, I filed for money. My claim # is XXXX-XXXX. WHEN will I get my money? Are you waiting for me to die of old age?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
XXXX XXXX PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I did purchase a new bedroom furniture from XXXX XXXX store in XXXX, VA, on XX/XX/2019. I paid with a Visa CITI, Costo, card ending in XXXX, under my name, at XXXX XXXX. The amount was {$1000.00} dollars. Later on the same day, My wife personally canceled the deal. My wife did walk into the store and a refund ticked was issued by the store to my Visa card ending in XXXX for {$1000.00}, the time was XXXX XXXX. 

After 30 days I opened my Visa credit card statement on XX/XX/2019. I saw the charge from XXXX was there and no credit or refund was observed. I did call immediately Visa and ask for the error. They told me that the store never refunded the money and to call them. Id id call the furniture store and was told that I have the refund ticket that is proof that the money was send to the VISA CITI credit card. 
I did call back VISA and was told not to worry, they will start a dispute and put a conditional credit on the amount. The dispute lasted three months. I had to send paper work to the Credit card and a letter explaining my position which I did. I have expend so far more than 15 hours on dealing with this fraud. 

After that three months the Credit Card company final decision was with the furniture store and told me that I have to pay that amount. I don't want bad credit so I pay that amount at the end of XXXX. I had to and see my dad outside the country in XXXX and was not able to follow up in this complain earlier. 

I was hoping that after I pay then the store will have that money in their account. I just talk to them and they keep saying that the Credit card company has the money. 

Please help me clarify this problem. 

Yes there is a receipt for the refund to the credit card from the furniture store but the Visa Card said they never received. Please help me solve this situation that is costing me a lot of time and money that I need for my father 's XXXX XXXX. 

Thanks, XXXX XXXX XXXX P.d. I have been advised to complain about also the furniture store to my Attorney General.

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 2019-12-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
In XXXX, whilst clearing out the remainder of paperwork of my late husband 's studio, I found a Certificate of Deposit issued for 60 days on XXXX XXXX for {$100000.00} at 9.20 % interest per annum with First-Citizens Bank in XXXX, NC. My husband died on XX/XX/XXXX and his executor closed out our accounts with First-Citizens. Somehow this CD was not found until six years ago. A lawyer representing me took the CD to First-Citizens where he was met with a startling gesture on the part of the bank representative who threw the CD in the rubbish bin declaring that it had no validity due to it's age. The lawyer then appealed to the Senior vice president and Senior counsel of First Citizens Bank who wrote a rather lengthy letter explaining that the bank had required the presentation of the paper certificate to redeem funds in a CD with their bank until XXXX when said bank changed over to a book-entry system. That is all well and good but not applicable as my husband had been dead for two years when they switched over and though he was capable of extraordinary achievments walking into a bank two years after his death isn't one of them. Often times my late husband 's practice was to let a CD " roll over '' until he decided what to do with those particular funds. The legal representative then contacted the NC Treasury who had no evidence that these funds had ever been put into their hands. He then contacted the NC Banking commission who became somewhat irritated that he contacted them often to hear what they had discovered and asked that he not call back and that they would contact him when they had finiished their investigation which should take five years! To date we have heard nothing from them but silence. This past Spring I asked my late husband 's executor to get involved again and his first move was to contact the Banking commission who now claims that they have never heard of this CD or the problems with First Citizens. Surely there must be some organization committed to the consumer!? Perhaps these funds got lost in the shuffle of reorganizing and changing to the book-entry system ; frankly, I am at a loss to know but am conveninced that these funds were never redeemed and that First-Citizens should make good on this investment. I have letters, the CD itself as well as the receipt from First-Citizens. I NEED HELP ; PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I submitted an Economic Hardship Deferment request by mail to ECSI for my Perkins Loan, account XXXX, on XX/XX/XXXX, with required supporting documentation. 

My Federal Stafford loans are in Economic Hardship Deferment with a begin date XX/XX/2019 and an end date XX/XX/2019, so by law I am entitled to an Economic Hardship Deferral of my Perkins Loan as  well. 

However, ECSI failed to approve my Deferment.

I called ECSI today and they claimed they emailed me, but I never received an email. The ECSI rep of course offered to put the loan into Forbearance, where it would continue to accrue interest, but I qualify for Deferral, I am receiving SNAP benefits and my other Federal loans are in deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America did not process my dispute properly. I sent them numerous documents in support of my claim, and they dismissed it on the basis that I had not provided " a receipt '' for the transaction. I told them there was no receipt issued. It was a salon that does not issue paper receipts. They only run the charge through a machine. My hair was damaged by a salon service and I asked for my money to be refunded. I provided an expert statement about the condition of my hair. I provided a statement from a coworker who gave an opinion of how damaged my hair is, and I sent photos of how the merchant stained my hair XXXX through their negligent application of the salon products. They never considered my supporting documents.

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 2019-12-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureau : I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts? 
( 2 ). Did you talk to the court and if you did who did you talk with at the court? 
( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? 
( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 U.S. Bankruptcy Court Reference Number : XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I checked my credit and saw a medical bill from Credit Business Services for XXXX XXXX at {$370.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.

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 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
XX/XX/XXXX- PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Dispute been going on since XXXX Certified mail sent XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I checked my credit and saw a medical bill from Nationwide Recovery for XXXX XXXX XXXX at {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Mohela owes me {$200.00} for a loan repayment overpayment. Mohela also owes me {$40.00} for a payment it processed but failed to apply to my loan or refund. It is attempting to scam me out of these funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation