vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
After filing my first complaint to another bank the government might give a bailout too in the near future or did a few years ago in any case when you jump to the idea that I have accounts with Typo and Fraud Issues before contacting the CFPB and with my support behind Mrs. XXXX XXXX will bring bankers under oath for unfair practices that are ok. SYNCB retaliate by closing all my SYNCB accounts. XXXX being first and XXXX XXXX, and XXXX   XXXX. I have sent a wonderful letter to XXXX XXXX office advising her of some of her need to investigate SYNCB from top to bottom like a bad IRS Auit. This simple bank Who who is lending to me I file a complaint on a different issue and they simply retaliate and close my accounts because I reported them for a violations in the lending act. I want this looked into! I am not too fond of SYCNB right now.

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 2018-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX  is contacting all my family members and leaving messages about my debt. Called them to explain they are not to call my family as they have my phone number and address. They never left me a message but left messages on all my family 's voicemail letting them know I owed a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
respected sir/madam i had submitted my complain before and it was closed, no proof of verification was provided as there was a big big mix up in the mortgage transfer, sps is just going by one modification paper but i have made biweekly payments and extra principal in the five years also XXXX XXXX  had send me a document stating they are reinstating the loan i had provided the document which XXXX XXXX has mailed me with the immortaliztion dates and rated please help me. 
i still beleive it is not fair when it clearly stated on the last paragraph of the letter by XXXX  there are no changes in terms and conditions then how come sps dont do biweekly payment as XXXX XXXX it is false statment. when i was assured nothing was changing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report reflects inaccurate personal information regarding my former spouse. It currently reflects XXXX XXXX, as my current spouse. I have since divorced in XX/XX/XXXX. My current spouse is 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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered a recurring monthly charge on my credit card for Experian on XX/XX/2018, and again on XX/XX/2018. I did not authorize this charge and have no information regarding it. I have tried to contact Experian to dispute/cancel the charge and I am unable to contact a live body. When I enter the requested information, the automated system says it does not recognize me and hangs up. I have checked all options on the website and get directed back to the same phone number. My credit card company is disputing the charges on my behalf, but the only way I am able to cancel the recurring charge is to have a new credit card issued with a different number which I now have to contact all of my other vendors. This is extremely frustrating and wrong. I want to do what I can on my end to ensure that Experian offers the ability for someone to talk to a customer service representative about issues.

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 2018-12-30 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: LEXISNEXIS
State: IN

Complaint narrative:
LEXISNEXIS says that a public record is verified and sold their incorrect information to other credit reporting agencies and refuse to delete the incorrect information. At which I have documentation that I sent LexisNexis on XX/XX/2018, for a deletion of said incorrect information. LexisNexis refused ft follow the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to call my cell number on Sundays multiple times & when answering the call, no one is one the other end. The number they continue to call from is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a )  unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.

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 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a letter by mail saying that they don't want have any relationship with me and my account will be closed at XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2018 i tried submitting dispute with Equifax relating an issue they reporting on credit report they could not identify me because they base your identity on fraudelent information if these accounts are fraud how are they suppose to identify me if it was not done by me this is the reason Im disputing them. however XXXX XXXX investigated and erased this from my credit report why is Equifax still showing this as owed if is not mine im very fustrated and will be taking legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got the letter by mail that chase does not like any relationship with me anymore, and they closed my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I continue and will continue to address this situation. I feel everytime that I have addressed this matter with Capital One Bank about the unauthorized inquires, they continue to respond saying that they have no record. The record is there where there representatives have told me that they had no such record that was found. 

I still question where these inquires came from. The other credit bereaus investigated and found my case to be fraudulant applications and immediately removed but Equifax continues to hold this situation up and continues to insist that II have capital one deal with this situation. 

Capital One continues to discriminate towards me and not properly addressing my concerns. I have ask for the inquiries to be removed and as i stated before until they disappear off my credit report I will not quit with the complaints till a resolve has been reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Early in XX/XX/2018 I requested my annual free credit report from Experian, XXXX and XXXX. I initially received acknowledgements from XXXX and XXXX but Experian has not provided any type of acknowledgement or my report within a reasonable time. These tactics used by the credit bureaus is simply an unacceptable tactic by these agencies to deny individuals access to there reports and / or to collect unnecessary data in there quest to data mine. As you can see from the form my data is clearly visible for the processing of my request. If XXXX and XXXX processed the request obviously that reaffirms that the request was received.

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 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
ALERT we, us, my wife and i received, in our mailbox manufactured electric utility bill statement that we were required to send in upon our several modifications in XXXX ( pg 23/60 ) has been manufactured somebody at Nationstar physically changed the names on the bill.This statement is false, she has never had our electric bill in her name. This also ties in with the manufactured hardship letter as well, tax documents and, cut-copy-pasted dates and signatures.We do not agree with fraud.This is clearly illegal. Possible marital status discrimination? Please explain how her name got onto my bill? Well done i might add it looks very professionally done.We have several other significant issues HUD-1 errors, credit reporting errors, insurance errors.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have made mortgage payments to Select Portfolio Servicing Inc. They failed to report receiving the payments. 

I need them to correct the statements to include all payments received. 

I also want to request the Note on the property. The mortgages have been inactive on XXXX for years, and the last know servicer is XXXX XXXX XXXX, so why is SPS my servicer, do they have rights to service my loan, who gave them this right?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I went on a XXXX page to buy tickets to a sold out comedy show and was told to text someone for more information. I texted them and was given their PayPal email and paid them over PayPal, but they told me to label the transaction as type " Family/Friends '' and not the purchase of a product. They said they would send me the tickets once they received the payment and now they are not replying and will not send me my tickets. I tried to file a dispute with PayPal but they said the Purchase Protection Policy does not cover personal transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank  up on their offers and checked my eligibility. 
I increased the household income to include my boyfriends salary as we live together now. 
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. 
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. 
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. 
I only applied after a considerable marketing full court press from Marcus by GS. 
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. 
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. 
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. 
They offered to " opt me out '' of further mailings, I declined the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018, my daughter drove me to a chase atm to attempt to withdrawal {$300.00} dollars for my checking account. She assisted me with the transaction. However, when it was time for the atm to give the money, on the screen appeared a message saying that the atm machine was unable to give cash. So we retrieved my debit card and waited for a transaction receipt but the machine did not print one out. Therefore, my daughter and I left without any money and receipt. About two weeks later, I checked my bank statement to check my balance and in the statement it appeared that I had withdrawn {$300.00} dollars, which was incorrect because that night the atm did not dispense any money. 
My daughter then assisted me with contacting Chase bank to address the problem and gain my {$300.00} dollars back. The Chase representative then said it will take 10 days for them to review the case and will then contact us with the outcome. 10 days later, I received a later from chase stating that the transaction was processed and that in fact the money was given by the atm. I then chase bank contacted by phone again and asked for them to review the surveillance video to verify that the machine did not dispense the {$300.00} dollars. They then said I needed to file a police report because that would be the only my way to gain access to the surveillance video. I attempted to file a report with the XXXX XXXX XXXX sheriffs department. A deputy was sent to my home where the deputy informed me that they couldnt do anything about it. To this day I have not been able to gain my {$300.00} dollars back and I have not been able to get the right guidance and help to obtain my founds back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
The loan balance is significantly higher than what was received for school. Previously, I requested copies of promisory notes. The copies received had false email addresses and addresses where I never attended school. When Navient calls, I do not avoid them. Please help because they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX account was opened in my name but does not belong to me. My information was lost. And now I'm being charged for this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.

Company response to consumer: Closed with explanation