vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Critical Resolution Mediation LLC
State: AR

Complaint narrative:
Critical Resolution Mediation, LLC in XXXX, GA. 

This company has repeatedly called me at work to collect a debt not owed by me but probably owed by an individual with the same name and date of birth in another state. I am aware of this individual due to similar actions by other companies trying to collect debt from me. Sometimes they've paired the debt with my SSN somehow. In this case, they do have my last -4. This particular " debt '' has actually been passed around several companies in the XXXX area. 

The company also threatens to have me arrested over it. They call me at work, and are rude on the phone. Additionally, they have said the debt has no activity since 2010, which is beyond the statute of limitations in Arkansas ( where I live ). They have disagreed/lied about this when informed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
CHASE S REPORTING 2 DUPLICATED MORTGAGE ACCOUNTS WITH TRANSPOSING NUMBERS, CHASE MUST FORCE XXXX  TO ALLOW YOU TO REMOVE THESE FROM MY CREDIT FILES CHASE HOME FINANCE LLC LOAN NO.XXXX AND CHASE MANHATTAN MORTGAGE XXXX. 

STOP PAYING THEM FOR VIOLATING F.CR.A. AND THE DODD FRANK ACT.  THIS IS MY 3RD REQUEST SINCE 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AR

Complaint narrative:
I AM CURRENTLY ON THE PUBLIC SERVICE FORGIVENESS PROGRAM. MY LOANS WERE TRANSFERRED FROM XXXX TO FEDLOAN DUE TO THIS. FEDLOAN HAS HAD MY LOANS FOR OVER A YEAR NOW. THEY HAVE NOT CALCULATED MY PAYMENTS TO COUNT TOWARDS MY PSLF. I HAVE GOTTEN SEVERAL REASONS FOR THIS. LAST TIME I CALLED AND DISCUSSED THIS I WAS TOLD IT HAD BEEN REVIEWED MULTIPLE TIMES ( MORE THAN 6 ) AND NOTHING HAD BEEN DONE. I SENT A MESSGE TO CUSTOMER SERVICE IN THE SUMMER AND RECEIVED THE MESSAGE THAT BASICALLY SAID THEY WOULD CALCULATE MY PAYMENTS WHEN THEY FELT LIKE IT. I ALSO FEEL THAT MY PAYMENTS ARE NOT APPROPRIATELY APPLIED TO THE LOANS I HAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have a collection for a hospital bill from 2013. I have been trying to rectify the bill as I have recently found my original explanation of benefits that shows a different amount of what is owed. The date is also incorrect as they are trying to get an additional year of collection. Also another company is trying to collect on the same debt. 

It was removed from my credit previously for those same inaccuracies however the debt was resold and they are trying to falsely collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Pioneer Credit Recovery - Robodialer calls every single day and has been for months. Sometimes multiple times a day leaving a message on my business voicemail system. 

The message has no reference number. When we call them to have them look up the phone numbers they are dialing they can not find them in their system to eliminate them. 

We have done this over and over and had no luck in eliminating these phone calls.

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 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
While digging in to some budget issues, ( After a long hospital stay ), I realized I was being double charged for yearly membership fees, along with a app., I never ordered through the Amazon store card which is Synchrony Bank. I paid on time being a loyal customer for years, not realizing I was being ripped off. Amazon Prime  refunded the fees. I was able to retrieve by check. Synchrony, however, has played cat and mouse, since XX/XX/2019, throwing the blame. They have stated they do owe me for many months, but come up with an excuse every time. The statements I ordered were to be sent within 14 days, which I've never received. 

Now they claim they need another 30 days, acting like the amount refunded by Amazon Prime should be enough, and I'm just a dummy. It's not even Prime 's  responsibility. Synchrony will not take the responsibility when they are who charged me, and Prime had no idea, until I was able to link this account to them. I will never do any business with Synchrony ever again. That's my money and I could use it now that I'm XXXX. The principle of this and for the way I've been treated, infuriates me. I plan on taking action in any way, shape or form to receive what's mine, and for the simple fact of Synchrony doing the right thing. I feel very taken advantage of with this situation.

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 2019-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC
State: NY

Complaint narrative:
I have an issue with an Automobile company and as a result my financial situation took a turn for the worst, so I tried this company Nationwide Debt Reduction Services ( NDRS ) and this Debt Consolidation company was supposed to help me pay down my debt and try to restore some of my credit whiles I figure out my next step. I paid this company for over a year and a half to resolve my debt but, when I asked for some form of receipt showing that the debts were being paid off I was met with hostility or no response. I tried to reach out to several departments within this organization in order to obtain pertinent information that I could furnish to the credit card companies and also, to upload to the dispute department for credit scores to show that certain debts were paid off, to no avail my money was stolen by this company with no remorse and to date I have no proof of any debt being paid. It does not reflect on my credit score that any of these debts were paid off and by debts I mean 6 in total were supposed to be paid but I have nothing except my bank statements to show that the money 's were being deducted from my account by this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I reviewed my credit report & noticed that a company by the name of National Credit Systems based out of Georgia was reporting that I owed {$2800.00} for a collection that I didn't recognize. Nor was I ever contacted by this company regarding this account or debt. I tried disputing the debt directly with the credit bureaus, they said that it was verified by National Credit Systems. I sent national credit systems a debt validation letter requesting more information. I sent the debt validation letter on XXXX XXXX. It was received by National Credit Systems via certified mail on XXXX XXXX. I have yest to receive any correspondence in regard to this debt or this collection. The credit bureaus continue reporting the debt/ collection when I have yet to receive any verification from National Credit Systems pertaining to this debt/ this amount. They have yet to inform me via mail as to why they claim I owe or am responsible for this amount. Please help me as I have tried all that I can to obtain information on this account that National Credit Systems is stating that I owe. I have tried disputing with all three credit reporting agencies. XXXX XXXX XXXX XXXX. All three state the account has been verified. National Credit Systems hasn't even contacted me at any point in time regarding this debt/ collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I have entered into a debt reduction program. Citizens Bank and XXXX XXXX is calling non-stop ( 8-10 ) times each per day on my cell phone ( XXXX ), my work line ( XXXX ) and now my son 's cell line ( XXXX ). This is addition to the emails, texts and mail notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
i went to triad in my car for a newer one and was told that my car is not worth what they are charging me and that i have XXXX $ in negative equity and i still have over two years left on the loan and owe over XXXX $ and i was told that my loan should of been paid off because its not worth what they are charging because my car is only worth XXXX $ and by the time its paid off it will be worth XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I received a credit card statement from XXXX XXXX with a balance of {$860.00}. I did not open a credit card account with XXXX XXXX. I have never had a credit card with XXXX XXXX. I believe I am a victim of fraud! I called XXXX XXXX this morning as was told to file a complaint with FTC. XXXX XXXX stated filing a complaint is the process I need to go through to rectify the situation. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
This apartment complex has on my credit report that I owe over 4,000 dollars. 
When i vacated this premises I was only 2 to 3 months behind with a rent of XXXX. 
The collection agency called me and literally interrogated me with questions and advised the the landlord mentioned he had t get a new stove and a new refrigerator and they totally exaggerated on the condition of the apartment, which I feel is very unfair and unethical. I they wanted to put new appliances in the apartment, then that would have been their expenses because there was absolutely nothing wrong with either one, I barely cooked. I have disputed this once, and lost, and I can not move forward with paying anything off, or improving my credit with unlawful and untruthful amounts placed on my credit.

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 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
The XXXX failed to file claims with multiple insurance companies so I paid them and it remains on my credit report as collection unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I have had this account less than 60 days. This is my 2nd complaint I am filing. I am a XXXX  and I work for another XXXX  in XXXX XXXX. I am requesting the CFPB really look into this complaint -- a normal consumer may not know the avenues to take. 

I wrote a check for XXXX to my landlord. Check number XXXX. My account balance exceeds {$5000.00}. I received a vm yesterday XX/XX/XXXX requesting I call HSBC. I was working and was not able to call them back before they closed at XXXX XXXX EST. I also received an email. 

I called HSBC this morning XX/XX/XXXX. I verified my information and that the check was valid. I was informed that the check had been returned and that I was okay to write a new check. The reason the check was returned -- my signature on the check did not match the signature on my account. I proceeded to inform them my account was opened online -- there was no signature on my account. The signature also matches the other checks I have written and cleared the account. 

Now my reputation with my landlord is tarnished as HSBC returned my check without proper cause -- when I had the funds in my account. I will be charged a late fee from my landlord and any other fees that he incurs as a result of HSBC returning a check when I had funds in my account. HSBC should be responsible for these fees due to their errors. 

Again I asked to be transferred to the complaint area of HSBC and was told there was no such area. I asked to be transferred to the executive office and again was told that I could not be transferred. 

HSBC has no way of internally escalating customers complaints when they call into HSBC. They have no way on their website for contact information. Most consumers would just get frustrated and not pursue the compliant. As I am in banking, I know that I can get a proper response by go to the CFPB. This should not be the case. This bank should be required to have an internal mechanism that a consumer can access to escalate concerns with the Bank. 

I don't want the canned general response. I want this bank to actually do something and fix their practices -- they make life difficult for other banks. I will be closing my account and going to another bank. This is ridiculous at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: TX

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 2019-11-15 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: PA

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 2019-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Transunion shows that I have a balance on my XXXX XXXX for {$7200.00}. This car was paid in full by the insurance and I have a XXXX balance- account closed, I have notified them twice and they continue to report as accurate of {$7200.00} which is incorrect-this account needs to show as closed. The account for the XXXX does show closed and XXXX balance on my XXXX  report. These should match. 
Now, XXXX has 4 collections showing open accurate from XXXX XXXX   for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. Transunion has these same 4 accounts as closed. I think these should also be closed on my XXXX 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 explanation
Consumer complaint received 2019-11-15 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: NJ

Complaint narrative:
TransUnion was sent documents from your website and stated they could not accept the validity of this report I made. XXXX  XXXX agreed to delete this account upon payment.

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 2019-11-15 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XXXX 2019 to XX/XX/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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX, Walmart transfered my Walmart card too capital one card services and said there will be no problems while this happens, we'll they lied, my card with Walmart I had with 10 years and 11 months with no missed payments at all. Once capital one received my account they closed my card and stated to me I had missed payments on my Walmart card and no payments at all, well I told them sorry that is wrong and is a lie, told them restore my account and they refused as I told them I checked my credit report and it shows no missued payments at all there company closed my account in good standings. Capital one transfered me to the fraud department and I said what fraud, they only fraud is going on is there agents that closed my account in good standings. Until now capital one still refuses to reopened my account as they have lied about missed payments on my Walmart card for 10 years and 11 months and there fraud department agreed with me fully too. This is very wrong of what capital one has done to me, I told them I will not pay on a closed account which they have done in the past to me and nothing has been resolved at all. I made disputes with the credit bureaus and they report things are resolved, nothing was resolved at all. Please call me for any information you need. Thank you XXXX XXXX XXXX note fully XXXX They discriminated against because I am XXXX.

Company response to consumer: Closed with monetary relief