vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again. 

I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications. 

Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider. 

I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card? 

I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account. 

Thank You Very Much,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I graduate College in XXXX with approximately {$18000.00} in student debt with XXXX XXXX. It was an initial interest only payment for 7 years, then a structured payment for the remaining life of the loan. In XXXX my loan was transferred to AES and my auto debit payment continued every month. Due to an error on AES ' part it was applied to interest only for another 7 years. 14 years of paying {$110.00} per month for a total of approximately {$19000.00}. I have paid more than my original debt, but still carry the full amount on my account because of their mistake? or is it fraudulent behavior? After researching this it seems there are many others in the same situation as mine ; all starting around XXXX. This type of activity is criminal. I am a consumer who paid every month, in good faith, and amount that was requested to satisfy my loan in a timely manner. Individuals have gone to jail for less than this. I will not stop pursuing this until a fair, reasonable accommodation is made. I repeat myself, this is theft, someone needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the date shown below : XX/XX/XXXX/XX/XX/2018 - 30 days marked late! 

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. And to reconfirmed I actually went to local branch and asked exactly how much i owed and they mentioned that I was all caught up. I honestly dissatisfied right now with bank of america consider i have a stellar relationship with them and I would like to continue as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
When the summons was delivered to my work, it was handed to someone other than me. As I understand it, this violates HIPAA standards. I can furnish a notarized statement from this individual if need be. 

I should add, the summons was offered without a case number on the form. If it had had a case number, Or if it had been delivered by a Sheriff or someone more official, I would not have judged it as a collections ruse to scare me into complying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: Avant Credit Corporation
State: CA

Complaint narrative:
I ordered an item on XXXX  on XX/XX/18 in the amount of {$58.00}. I did not receive the item so I contacted my credit card company Avant. I explained the situation and sent over the invoice when I filed the dispute. They said they would take care of it but that was the opposite of what they did! I tried calling 30 days after the dispute as I had not received anything in the mail or heard from anyone. They just told me they are still working on it to give them more time. I finally got a letter from XXXX in the investiagation department on XX/XX/18 asking for more information I sent her a copy of the invoice from XXXX. However, she would never answer her phone or return any of my phone calls. I called Avant customer service i spoke with the manager XXXX on XX/XX/18, XX/XX/18 and XX/XX/18 in which she sent a notification to XXXX and promise to follow up with me each conservation which she never did. I had to keep calling her and on XX/XX/18 I sent her another copy of the invoice from XXXX which she said she forwarded it to XXXX again with another notification. XXXX said I should hear from herself or XXXX within in a few days. I still to date have not heard anything and no one will contact me back. I am now being charged for the interest and the amount of the purchase when I never received the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake Financial Services has consistently misreported to my XXXX   and XXXX  reports multiple times. 

On my XXXX  my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018. 

They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred. 

I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt  apply that forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: KY

Complaint narrative:
On my credit report there are 2 debts. I made contact with trans union in  XX/XX/XXXX to dispute various items from addresses and phone numbers including these charged debts. Both XX/XX/XXXX-XXXX XXXX {$2700.00} & XXXX XXXX {$320.00}. They mailed me an updated copy of my report XX/XX/XXXX with the debts still there. I did not complain assuming investigation pending. I called them XX/XX/XXXX because the reports are still on my credit. They were rude and show no record of the disputes. However they validate my contacts in XX/XX/XXXX. I wanted them to provide me with the information these creditors had on my identity so I could document for person use. They could not. I have made attempts in the past to contact the creditors and they also would not give me the requested information. Do I have rights? Fair credit act i think. I tried to excersise them and was redirected. I followed procedure its not my fault the emloyee did not. So I'm requesting FTC to step in. The collection agency reps are out of the USA and don't seem to care I wanted to exercise my FCRA rights as I clearly requested to do so via conversation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: IL

Complaint narrative:
I opened a citibank card to pay for one semester of graduate school since I didn't want to take out any more school loans after paying those off. It has been a huge headache ever since. I was on sick leave and thus, I wasn't registered from the time I ended school and the time I graduated. I had to wait for the next possible graduation date. I was not taking classes in Summer of XX/XX/XXXX. I took classes the previous semester and paid for those online with XXXX. There was a glitch in their system and they charged me for summer when I wasn't needing any more hours or classes. They have admitted to their mistake but because their system works with an outside billing system they asked me to open a dispute with my bank. I have done this five times. Each time citibank completely blows me off. I am XXXX, on a limited income, and trying to better myself by getting my XXXX XXXX and they have made my life a living XXXX. This is not my debt. Only have of what is on this bill is mine and I have stopped paying until they remove it, thus ruining my previous stellar credit. The charge on XX/XX/XXXX for {$3300.00} at XXXX is not mine, it is not for me because I was not registered at that time or taking classes. I completed my work that spring and have proof from the registrars office. This is an example of how Credit Card companies don't care about human beings. 

I will copy the email from XXXX here in case there is no place to upload a document. 


Begin forwarded message : XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX CDT XXXX XXXX <XXXX> Hello XXXX, Thank you for your email. After reviewing your request with the Registrars Office, it has been determined that your request is for directory information, so we can provide it without additional information. 

Graduation Date : XX/XX/XXXX This was the first graduation date available for your class, but this does not mean you took classes up until that point. You were on leave with an illness so you had to wait to graduate with the XXXX XXXX class but were not registered the summer of XX/XX/XXXX. 
Last semester of enrollment : Spring XX/XX/XXXX You were not enrolled Summer of XX/XX/XXXX or after summer XX/XX/XXXX and you should have received no charges on your student account after spring semester, XX/XX/XXXX I apologize that you are still having issue with your bank disputing the charges. Unfortunately, that is the process when this happens and I hope this letter is helpful. 
Please let me know if you have further questions. 

Thank you, School of XXXX XXXX University XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, ND XXXX P XXXX | F XXXX 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
Consumer complaint received 2018-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: East Coast Funding Group
State: MA

Complaint narrative:
Sorry for my english in advance ... .Hello, and please help me with this. I'm not sure whereas to go with this, but first of all, i'm not responsible for this vehicle as it was my mother 's vehicle which whom has passed away ( deceased ), and we returned the vehicle to the dealership and they mentioned that the GAP insurance will take care the difference on the amount. There are multiple violations on this account and consider the fact that it's still reporting on my credit. I've tried to ratify this issue for so long and I'm just given the runaround. But I had the opportunity to talk to several lawmakers and friends in the area, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please kindly have them delete this from all my 3 major credit bureaus, and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : NORDSTROM/TD BANK USA. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
The credit card was issued by USAA. The credit card was used for general purchases and also was used to automatically pay my monthly auto insurance premiums with USAA. USAA is not SUPOSSED to assess interest, fees or charges on amounts in dispute. Over the years of being issued the credit card by USAA there were several times when I reported to USAA that a particular charge was being disputed. I would not pay those amounts in dispute but, would pay the balance of the amount due. Contrary to USAA 's started policy and legal requirements, USAA would always XXXX interest/fees/charges on the disputed amounts. When I would call USAA about the interest/fees/charges, they would acknowledge their error and removed the illegal interest/fees/charges. Several months ago USAA had interest charges on my monthly statement. When I asked why, I was told that I had not paid the previous month 's bill. I found that to be illogical since I did not receive notice that my auto insurance monthly premium was late or not received ( recall my auto insurance premium was automatically paid with my USAA credit card ). After several conversations with USAA employees I was told the illegal interest/fees/charges would be removed. I asked the USAA employee to let me know the balance due. When I did not get a reply to the latter request, I mailed in what I estimated the balance due. I thought all had been resolved but, the next statement I received still had interest/fees/charges in spite of being told all had been removed. I had numerous conversations with USAA. I was told there would be an investigation. Months would go by and no one from USAA would contact me about the results of the " investigation ''. When I called to ask about the investigation I was told the matter was closed. Finally, I was told that USAA would not remove the interest etc because I had requested on previous occasions a removal of such charges and these charges were indeed removed. But, the previous instances of interest etc being removed was interest illegally charged by USAA on amounts in dispute. Therefore, this is a baseless reason. I am requesting that USAA remove all interest etc. from my account and contact the credit reporting agencies to withdraw any reports fo delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a credit card with XXXX on XX/XX/2018. I was denied and when I called back to see if they would reconsider the rep advised that they would give it another review with a manager and would NOT pull another credit report since they just recently pulled it. However, on XX/XX/2018 my credit was pulled again without my consent. The second pull should be dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
SPS Servicing ( Select Portfolio Servicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ) on behalf of Delaware trust ( ) took over the servicing of my Mortgage as of XX/XX/2018 from XXXX XXXX XXXX. Mortgage payments of {$1400.00} ( with additional principal ) are set up as recurring removals ( automatic drafts ) from my checking account. On XX/XX/2018, SPS removed the full mortgage payment and additional principal from my checking account and applied it to the mortgage for my property. On XX/XX/2018 I received a statement that my mortgage was not paid and a late fee was charged and that I owed 2 months mortgage payments. I also noted that my FICO score dropped 18 points when I received this notifications. I call SPSP customer service ( XXXX ) and he informed me to ignore it. I wrote XXXX letters to SPS regarding this issues and I receive 3 letters stating that SPS was sorry that I was having difficulty paying my mortgage on time. On XX/XX/2018, SPS removed the next required mortgage payment from my checking account My mortgage was never late, not any paym, ments delinquents since dealing with this Servicer, yet SPS is sending letters implying that my mortgage is not being paid and letters which imply I am not able to pay my mortgage, questioning my credit worthiness. 
SPS Servicing is also a debt collection agency. I believe this company is trying to establish a false debt delinquency to initiate foreclosure on my property be it intentional or through a computer glitch similar to the XXXX XXXX glitch that lets to thousands losing their homes to foreclosure. 

I have written three letters to SPS Servicing asking why I received a late notice of non payment of mortgage but SPS has not provided me with an answer. 
I have concerns that this Mortgage servicer will also documenting false credit delinquency information about me and also making false reports to the credit report agencies.

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