vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is the email I sent the CEO 's with no response. 

XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) to XXXX, XXXX, XXXX, me I am writing to have your company fix the trade lines on my husband and my Capital one account with the credit bureaus. My husband called on XX/XX/19 to dispute a {$100.00} charge from XXXX. We initially noticed this charge on our card back in XXXX. I specifically remember my husband calling XXXX to cancel the annual charge but of course they " have no record. '' That is here nor there. The issue is with your customer service. When he called on the XXXX and asked for the dispute to be created he was advised by your customer service team that we did not have to make payments and we would not be charged any late fees or interest until the dispute was resolved ( pull the call ) the number he would have called from would have been XXXX. Much to our dismay we get a notice this past month that we are not only accruing a finance charge we also incurred a late fee and Capital One reported us to the credit bureau as 30 days past due. My husband once again called on the XXXX of XXXX and was apologized to and they removed all of the fees and were told that the dispute was never created?! I am sorry, but that is a bank error that is not our error. We did what we were supposed to. Your company will fix the trade line because it was a bank error. I want both of our credit reports updated immediately. Its not about losing the dispute ( which we are now being told ) we will handle that. Its about the errors your specialists made handling our initial dispute claim back on the XXXX of XXXX. I expect this to be resolved quickly. You can call me at XXXX. I am happy to take this to social media if I don't receive a quick response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX. 

I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached. 

I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller. 

I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC. 

I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know. 

While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.

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 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have used Cash App for a long time without issue. When I receive a payment, I press to have payment instantly deposited. I pay s small fee and it instantly loads to my debit card. This debit card is connected to my bank account. They will not allow you to use a debit card without inputting your bank account associated to the debit card. My payment for XXXX I proceeded as usual. I never received the funds. It stated it went to a bank account I wasn't familiar with. In email only, because they don't take calls, they refunded the fee of XXXX for not being instant payment. Now they claim it went to an account I haven't used in years. As I stated above a consumer can't use a debit card with this app without an associated bank account. Someone there just took the money. I don't enjoy being stolen from. I really needed those funds for rent. Now I am having to pay a late fee and getting filed against. I haven't used the account they state in years. It's not associated with my cash app. It just suddenly appeared. And your deposit only gets routed to your account if you don't choose the instantly deposit option to avoid the fee. I never chose that option, and they refunded me the instantly deposit fee of XXXX for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: RI

Complaint narrative:
This problem pertains to Discover credit card. 6 charges were put onto my account that I did not make. They were all through XXXX. They were all applied on XX/XX/XXXX. 3 were for {$190.00} each and 3 were for {$200.00} each. 

On XX/XX/XXXX 5 credits were put on my account - 3 for {$200.00} and 2 for {$190.00}, omitting 1 credit for {$190.00}. All of these charges so far were without my knowledge. I looked into my account a few days after all these entries had taken place. I then called the credit card company to find out what was going on. They initially tried to say that everything was reversed and my account was credited for all of the amounts. I told them that there was still one charge for {$190.00} remaining. It took some convincing to get them to see that the {$190.00} amount was still outstanding. After persisting, they agreed to give a temporary credit out on XX/XX/XXXX for the {$190.00}. That charge was reversed a number of days later when they said that it went into another dept. for further investigation. They did not show the day of the reversal, but attached XX/XX/XXXX to the entry. After calling about this reversal in early XXXX after checking my account every few days to see if anything new was applied, I spoke with a rep and they were going to credit the remaining {$190.00}. Instead they showed a credit for XXXX of the charges for {$190.00} and only 2 for the charges of {$200.00}. Basically, they reversed the credits to reflect that the {$190.00} was applied 3 times, but the {$200.00} at this time was only applied 2 times. Now my account has an error charge of {$200.00} instead of the original {$190.00}. I called on XX/XX/XXXX and spoke to the Fraud Dept of their company and got a lot of double talk. I told the rep that my account was credited wrongly again. This time a credit for {$200.00} was omitted, leaving me with an overage of {$200.00} on my account. She said that they had done the credits but missed that one and would make the change and it would go through in 48 hours. Each time I talk with someone at that company, they say one thing and do another to make the account look more and more confusing. I am keeping it straight by adding up my purchases and paying for those. I told the rep that I don't want any finance charges applied to whatever amount they omit as a credit for bogus charges ( {$200.00} as it stands now ). She said that there wouldn't be any charges for this. 

One more note. I have paid off the balance amount on this account each month that I have had it opened. I feel that they are disrupting things now to make some money to offset finance charges that they have never gotten on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
To whom it may concern, I disagree with a balance reported on my credit by CCI collection company. I talked to XXXX XXXX on multiple occasions and asked them to provide me with all documents and account history to prove I owe them {$330.00}. Until now I never received anything that would show me I owe them that balance. I even reached out to the credit bureaus to help me to resolve this issue. I have been a great customer and paid all my bills on time with XXXX  XXXX. As far as I remember I do not owe this company anything. I respectfully ask you to help me to remove this derogatory account from my history because it is affecting my home buying ability. 

Thank you very much

Company response to consumer: Untimely response
Consumer complaint received 2019-11-12 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 — Problem with personal statement of dispute
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I recently summitted a dispute with XXXX  to verify certain things on my credit such as penn credit collection for {$900.00} and XXXX XXXX XXXX for {$230.00}. Which i was a victim of Identity fraud and i filed a police report as well .I ask them removed or verify these accounts by sending me the name the correspondence on who they spoke with, dates contracts with my signature including applications and time and they did nothing nor did they do a proper investigation to help me they help the consumer because they are being paid to report these items. i have been going back and fourth about these accounts and nothing has been done i took all the right steps as well i enclosed a copy of the law section 609 because these accounts are being reported inaccurate on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE transfer to a FRAUD SCAM Brokers : XXXX, and, XXXX XXXX. 

I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multi-layered scam operation orchestrated by XXXX, and, XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am currently dealing with an insurance claim from when my home was hit by a hurricane. My husband and I had to hire a public adjuster to get us the amount of money needed to fix the house. The public adjuster charges a fee of 10 % for this service and has you write them a personal check for the fee when they endorse the insurance check. Mr. Cooper endorsed and sent back all our previous checks with no paperwork needed but are refusing to do it with this one until we submit to them contractor paperwork. This is not an issue, but they are also refusing to release the portion of the insurance check I need to cover the personal check I have written to the public adjuster, putting a financial hardship on me because I am now in a position of bouncing a check and overdrafting my account. I also believe this is technically theft Mr. Cooper 's part since the public adjuster was included as a payee on the check and since they will not release the money to me that I need to cover the check I have written them or pay the public adjuster themselves, they have stolen the public adjuster 's portion of the proceeds. I have talked to them several times about releasing to me the money I need but the will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I switched my phone service to XXXX. I paid the initial purchase for both the phone and the Military member service. However, while trying to make this switch from my current company XXXX  XXXX I learned that I couldn't move my XXXX for 6 months after purchase so I decided to leave XXXX  and go back to XXXX XXXX until I could switch my XXXX. I cancelled my XXXX service on XX/XX/XXXX before the bill was due. A week later XXXX charged me for the monthly fee. This was two week early by the way. I contacted XXXX  to have the charges refund but because I couldn't remember my pin and because my account was closed I couldn't access to get the pin so they wouldn't help me. They told me I had to speak to a local store. I then had my bank refund me the money as it was not an authorized charge since I had cancelled my service. XXXX has since sent me to collection. I then went to the store to get my pin so that I could have them correct that I do not owe them anything, but the store rep was not able to access my account either. I had her print the screen showing when I cancelled my account with her name on the document. I only had XXXX services for less than 3 weeks and I do not owe them anything. It seem that this company does not speak to each other. I had planned on returning to them after my wait period was over with my XXXX, but I'm glad I learned how horrible they were so that I will not make that mistake again.

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 2019-11-12 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: SC

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX  Keeps stating in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
FedLoan Servicing is absolutely ridiculous. NO HELP is ever provided, the customer service reps talk in circles and give inaccurate information. When trying to actually resolve my issues, I can never get a straight answer out of these people. Since dealing with these people, I have literally called at least 25 different times and I always get the " run around ''. Each time I have called, it always says, " this conversation may be recorded ''. Check my recorded phone calls! Since 2016, I have made ON TIME payments and they are saying only a small portion of the payments I have made actually qualify under the 120 payments for the Public Service Loan Forgiveness. I know I have made at least 36 payments and they are saying only 18 of those payments " qualify '' and they can't give me an answer as to why only a portion qualifies. Over the years, FedLoan Servicing has put my account in Forbearance at least 6 times without explanation or my approval. I told them to keep my account out of forbearance and they keep doing it. I also kept making my monthly payments, on time while they put my account in forbearance. Each time, my account was in forbearance it took an act of God to get them to take the forbearance off my account. I have filed a complaint with the Department of Education about Fedloan Servicing and all they did was send my complaint to FedLoan to deal with, which isn't right! It took over a month for XXXX with Fedloan to even contact me about my complaint and then my complaint was not resolved. I contacted XXXX again telling him I wasn't satisfied with my " results '' and never heard back from him or ANYONE in Fedloan Servicing. I have documentation and emails. And recently, they doubled my monthly payment without contacting me or providing explanation for doubling my payment, which I can't afford. Fedloan Servicing is the absolute worst loan company to deal with. Their customer service is terrible and they can't resolve any issues for you. Please look into this company and I would like to speak to someone about my issues!! Should I hire a lawyer??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX  balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX  XXXX reports, I now believe that I have been discriminated based on my gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XXXX XXXXNMLS ID # XXXX who represents Amerisave Mortgage assured me before collecting my {$500.00} that my loan was guaranteed and there would be no problem. After months of the run around I received a decline notice. No explanation, nothing, just took my {$500.00} and stopped communicating with me.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
I honestly dont know what this collection is for. I shouldnt have this on my my account. What is this from?

Company response to consumer: Closed with explanation