vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was issued a refund in the amount of {$2200.00} from XXXX to a CLOSED Citizens Bank checking account on XX/XX/2019. Once I discovered this error, I went to a local citizens bank branch in mid XXXX. They told me that if the account was closed then the funds would have been returned to XXXX. So i called XXXX many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when XXXX would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ). I don't know what else to do besides file this complaint as both XXXX and citizens bank keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I paid a debt owed to XXXX in late 2015 for a phone that I used with a former employer. Convergent Outsourcing is claiming that I owe a debt to them for said tmobile debt. Which I do not. Convergent is already damaging my credit due to me refusing to pay for a debt I do not owe.

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 2019-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed my account was debited both ACH and debit card charged for company call XXXX XXXX XXXX XXXX chase reversed charges except two charges in the amount of XXXX and XXXX they refuse to credit back I sent in my police report for claim they won't accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: FL

Complaint narrative:
I been contacting goin on two month now from this date this company letting them know thats they are reporting a account on my credit report that I have never open or have no idea of I try everything is possible but they will not remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX ( mortgage processor : NMLS XXXX with Navy Federal Credit Union made duplicate credit inquiries on the credit reports of myself, XXXX XXXX as the result of a refinance mortgage application from XX/XX/XXXX. They happened on the following dates : XXXX and XXXX pulled on XX/XX/XXXX XXXX, XXXX and XXXX both pulled again on XX/XX/XXXX, and XXXX pulled again on XX/XX/XXXX. All of these inquiries were unnecessary and a result of Mr. XXXX negligence with my credit file. As a result, they need to be deleted as they are hard inquiries. These inquiries were in addition to the other inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I want to ensure that I was not a victim of predatory lending practices and I am certain that Navy Federal Credit Union does not want be accused of such. I questioned Mr. XXXX about all inquiries, but to no avail. I have email correspondence as proof and Ive attached the alerts that I received as a result of his negligence with my credit file. His supervisor, XXXX XXXX, was also notified via email, but I did not receive a response from her either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
i have disputed this account numinous time due to the fact that this account does not belong to me! I never open a account with you guy or any one in this company its been month since this been reporting on my credit report and at this time Im ready to take the final action if this account is not removed by the end of this month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My financial institution, Capital One, has repeatedly and recklessly been engaged in mishandling my money by disregarding my complaints about unauthorised and disputed transactions. Thus, Capital One is holding my money at the expense of the third part merchants engaging into aggressive behavior in accessing my bank account even after ending services/products with the merchants, and or merchants charging for services/products they do not provide. 

XX/XX/2019 Capital One awarded XXXX {$130.00} for services I no longer subscribe since XX/XX/2019 XXXX ( Claim # XXXX for my account ending in XXXX ). While I provided proof that I was no longer subscribing for the service, they awarded the merchant my money with false supporting documents they later sent to me after many followups and complaints ( see the supporting documents ). 

XX/XX/2019 again, Capital One paid/holding {$710.00} ( Claim # XXXX for my account ending in XXXX ) that I never allowed the merchant, XXXX XXXX XXXX to withdraw from my account, hence causing a tremendous chain of insufficient funds for other scheduled transactions. Both Capital One and the Merchants knew in advance by phone and writing about the ending/termination of the services/products they were providing me. However, Capital One mismanaged my money instead of safeguarding my money. 

Two incidents in one month are too much to ignore or to think Capital One has been operating in the interests of their customers. When I entrusted Capital One with my finances, I believed they will work on behalf of my interest, which has not been the case most of the time. ( see the supporting documents ). 

Therefore, your help in resolving this problem will beappreciated. 

Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Finance LP
State: FL

Complaint narrative:
Selene Finance is violating the The Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). The company is calling me multiple times a day and they are speaking with me during these times. They are lying and saying that they are not verifying that it is me, but this is not true. If they have actually recorded the conversations, it would show that they have spoken with me. The most upsetting thing is, that I am receiving these phone calls and a payment has been scheduled ( in this case for XX/XX/XXXX ). 
During the month of XXXX ( XXXX ), I have spoken with a representative at least four times and during each of these times, my payment has been scheduled. There is no history of me scheduling a payment and canceling it. Here is a list of calls, from the most recent : XX/XX/XXXX at XXXX call duration 10 minutes and 7 seconds. During this call, the representative ( XXXX ) told me, that it was noted that I had received a call this morning but, there was no verification. I told her that was incorrect and that I hoped this call was being recorded so that it would be on record what she said to me. She was very condescending as if, I was the one not inputting information into their system correctly. 
XX/XX/XXXX at XXXX call duration 2 minutes and 4 seconds. I verified my information with the male representative and asked him why he was calling when I had spoken with someone on XX/XX/XXXX and a payment was scheduled. He said " you are correct XXXX XXXX and its probably because our system is set for five days. I will note the account. '' I told the representative that I hope the call was being recorded and he said, " yes ''. 
XX/XX/XXXX at XXXX call duration 18 seconds- I informed that representative that a payment was scheduled. 
XX/XX/XXXX at XXXX call duration 6 minutes and 35 seconds. This call was placed by me. The reason for this call is because I received a call at XXXX and the representative hung up on me after I verified myself because I was complaining and I had received a call on XX/XX/XXXX. 
XX/XX/XXXX at XXXX call duration 34 seconds. I asked the representative why I was receiving the call when a payment was scheduled, the male representative hung up on me. 
As you can see, some of these calls were made before my grace period ended ( there was a call on XX/XX/XXXX too ). The fact that the company continues to lie and use this as the reason I keep receiving calls is unacceptable and a violation of the law. This practice has been going for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello, I have sent this letter below to the credit bureau attached. Nothing has been done and the incorrect fraudulent information/account still remains on my credit report. Im asking if you can contact them with hopes this will be removed and updated immediately. 

Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax : Regarding the following account : XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above item is inaccurate, misleading, or incomplete, you may have violated federal law. 

I expect you to make a reinvestigation immediately. My social security number is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp
State: FL

Complaint narrative:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: GA

Complaint narrative:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( TransUnion, XXXX  and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my 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 2019-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX, Equifax and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX XXXX and Experian ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my 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 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
About a year ago, I applied for a credit card with Navy Federal Credit Union and I got declined for causing Navy Federal Credit Union a loss. I filed a complaint and Navy Federal Credit Union said that they did no wrong doing. On or about XX/XX/XXXX I again applied for a credit card with Navy Federal Credit Union. I again got declined almost instantaneously. The peculiar thing about my most recent declination is that my credit report was not pulled, so I believe that I am being declined because I filed chapter XXXX bankruptcy and included my Navy Federal Credit Union accounts. I feel that I have been " blacklisted ''. I feel that this is unethical and unacceptable. Bankruptcy is legal and financial institutions should not be able to hold a bankruptcy, especially when my bankruptcy was discharged in XX/XX/XXXX. I feel that I am being singled out due to me filing bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Ally bank sent me a check for XXXX so I cashed the check where I cashed it at called saying it came back and I owe fees for it being returned this place didnt contact me to tell me they canceled this check which is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX  and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.

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 2019-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I tried to get my free annual report online. The challenge questions seemed to be about accounts I did not recognize. When XXXX would not let me see my report, I sent my request in writing. Equifax wrote back to say they needed Identification and Address documents. I responded onXX/XX/XXXX, including large copies of my Social Security card and Florida driver license ( which shows my current address ). Equifax sent me a form letter, saying, again, that they need Identification and Address documents. So, today I am sending my request to them in writing again, with new copies of my Social Security card and driver license, since they may have lost the first ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have not been able to access Trans Union. It would not take my user name, SS #, or password. I have been informed by XXXX XXXX that there was a security breach. As you all know that companies that do security breaches do not inform victims of such abuse. 

I also disputed a debt and so far nothing has been done.

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 2019-07-19 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUS GLOBAL SOLUTION has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX   and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.

Company response to consumer: Closed with explanation