vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX contacted me by phone about an utility bill for a home which I have NEVER lived in. I told XXXX rep that was not my debt, they mailed me a package with bills for a home in XXXX NY. I have NEVER lived in XXXX at such address. Today XXXX I received bill from a Collection Agency which I don't even know whey they took this debt without verifying if it was mine! I don't want ANY collection agency harrassing me for a bill that is NOT mine! I need this company to stop communication with me immediately and remove this debt from their file! This is NOT my bill and XXXX knows that! They also claim its from XXXX I lived in XXXX in XXXX This is an OLD debt past statue of limitation in NY and its also NOT my debt.

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 2018-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have call them multiple times trying to get on lower repayment they say I've exhausted everything I can't even get them forgiven or removed as XXXX XXXX has gone bankrupt I can't use my degree because of that financially I'm struggling hive gone from the possibility of working in a good career to working retail or food service for minimum wage hours are constantly being caught I'm struggling with my own debts and bills and it's tough making ends meet their inflexible I've had to cuss them out to get anywhere I've had to threaten them with lawsuits or things like that I just want some debt relief I don't wan na be having to pay these for the next 8years as im barley getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
Have left messages indicating they needed a call regarding pending legal action. Stated they were with XXXX at XXXX with names of XXXX or XXXX. Left similar messages with family members not associated with this loan disclosing the debt in violation of third party disclosure laws. When contacting them, they stated were suing me on behalf of ACE Cash Express and have already started the process. They are in CA while I am in AZ so they do not have jurisdiction to do so. Refused to discuss resolution if not paid in full, and that would just note as refusal to pay and continue lawsuit. Have called numerous times after this, and have never sent me a letter indicating they were rightfully collecting or giving me the opportunity to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX. I process AMEX cards for my business. I have a customer that made two separate payments to XXXX XXXX XXXX XXXX for {$14000.00} on XX/XX/18 and XX/XX/18 for {$4700.00}. The customers requested a refund from AMEX for the {$4700.00} which XXXX XXXX XXXX disputed with a signed copy of the sales proposal and other information and AMEX denied XXXX XXXX XXXX rebuttal. AMEX then processed a chargeback for the {$14000.00} prior to our ability to dispute. The 2nd dispute was processed even though the notification states the customer can not request a dispute for items older then 120 days old. I have called AMEX nearly every day and never been able to speak to anyone other then their processing with XXXX. Several XXXX staff members and even a supervisor have stated that with our signed contract and information provided that the chargebacks should be reversed. I can provide all documentation needed. My best contact at XXXX is XXXX in Dispute Resolutions. Knowing that AMEX processors agree with our documentation, we put a stop payment on AMEX withdrawing the {$14000.00} from our XXXX XXXX   account. AMEX has now decided to hold all future payments processed through them until they recover this {$14000.00}. This is fraud by their customers XXXX and XXXX XXXX as they have all of the equipment and received service that is not refundable and signed our contract with all equipment. The contract proposal that was received by their customers had direct detailed descriptions and links to the customer products received and installed in the XXXX home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: KY

Complaint narrative:
On my experian report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX  & XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX  has done as well as Experian and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with Experian XX/XX/XXXX pending investigation.

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 2018-10-29 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: FL

Complaint narrative:
A payment that was supposed to be for the minimum amount was processed for the full amount of my credit card balance, which put my checking account into a negative balance causing me to incur several negative balances. After speaking to several reps and supervisors about the refund I still haven't received the refund but the balance has been put back on my credit card. I have no idea when they will refund me. And the last supervisor I spoke to hung up on me and said I can split hairs anyway I want but a check will be mailed to me he also said I made a payment and didn't even have the money in my checking account to afford the payment which I mentioned was why that payment was never meant to be made in full. He also said he could see from the computer system that I made an online payment ... .that 's incorrect I ONLY make telephone payments.

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 2018-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I mailed in my mortgage payment to Pacific Union Financial. On he check I entered the correct numeric numbers XXXX but when written out I inadvertanly wrote out 'XXXX XXXX XXXX and XXXX cents ' instead of 'XXXX XXXX XXXX XXXX XXXX and XXXX cents '. The check was cashed by Pacific Union Financial but only for {$3000.00}. I never received a phone call letting me know of the error. I have had this mortgage since early XX/XX/2015 and never had a late payment. A letter was sent but arrived it arrived in XX/XX/XXXX and I did send in the difference immediately. 

I now discover that PUF has indicated a 30 day late on my mortgage to all 3 credit bureaus. This is causing me to be declined for another credit transaction. I spoke to the office of PUF 2 times and was told that the late payment will never be removed no matter who I speak to. In reality the principal and interest were paid on time the shortage was really only the portion for the escrow account and no disbursements were made or was the escrow account short. 

I am asking that PUF provide a letter that the mortgage has always been paid as agreed and the mortgage late as indicated for XX/XX/XXXX be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: IL

Complaint narrative:
Transunion is reporting fraudulent accounts open in my name. I requested to the accounts be deleted from my credit report and they have failed to do this. There are three accounts from XXXX XXXX. One account from XXXX XXXX an another from 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 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
We had a promotional 0 % interest rate on a balance for 24 months. Our last promotional payment will be paid soon. Throughout all this time, there were times that I bought other non-promotional items and we paid the amount due on these items and the XXXX payment plus more to make sure we didn't get any fees. 

Up until this monthly statement, everything worked as we expected. This month they charged us a minimum interest charge of {$2.00}. I spoke to 2 people at the CC Company ( JCPenney XXXX ). First I spoke to XXXX who couldn't waive the fee. I asked for someone who could and was transferred to XXXX. She said that even though we paid the amount due plus more, we hadn't contacted them to tell them how we wanted the payment allocated so the balance of non-promotional items was carried over ( even though it didn't show as being carried over and this had never happened before. ) She did take care of the charge and re-allocated our previous balance. 

I just want to make a formal complaint against this process, which, by the way, is not stated anywhere that I can find on the statement. I'm sure they have done this to others who probably either didn't notice or just paid it since it is a small amount. Imagine $ XXXX times how many customers. 

I intend to cancel the card and stop shopping at JCPenney, but I want to make sure that someone investigates this and makes sure it doesn't happen to anyone else or with any other card.

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 2018-10-29 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: TN

Complaint narrative:
I have contacted Equifax on several occasions about information that is incorrect on my credit report. I called on XX/XX/18 spoke with XXXX and XXXX the supervisor. I called on XX/XX/18 and spoke with XXXX. I called on XX/XX/18 and spoke with XXXX. I mailed in copies of my drivers license and social security card on XX/XX/18. on XX/XX/18 when I called I was told there were at three 3 credit files under my name. they combined all the files and the inaccurate information as well. I have several accounts on my file that do not belong to me. I requested disputes on the following dates XX/XX/18, XX/XX/18, XXXX, XX/XX/18, XXXX, XX/XX/18 and XXXXI requested an incorrect address be removed from my account. On XX/XX/18 I received notice that the address of XXXX XXXX XXXX XXXX Mi XXXX was removed from my credit file but this address remains on my file. I have mailed Equifax at least ten copies of my address and social security number and every time I call they claim they can't verify my identity. I have asked several times how did they verify an account that is inaccurate if they can't verify my identity. The last time I called they asked me ten questions to verify my identity and finally on the 11th question they asked me what was payment on a credit card account I closed over two years ago and once I could not answer the question they told me they were unable to help me. I went directly to the website requested a dispute, I was asked four questions answered them correctly and was able to obtain the information I needed after the customer service rep told me they were unable to verify my identity and told me to send in another copy of my address and social security number which is the same address and social security number I sent in just one month ago. There are accounts from XXXX XXXX XXXX XXXX on my credit file I called XXXX XXXX and they have no information with my name and social security Equifax continues to report these accounts on my credit file. There are several collection accounts on my credit file such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have contacted these collection companies they also have no information with my name and social security number. I have disputed these items and followed up my dispute with a request to verify and validate these accounts with Equifax. Equifax has failed to fulfill my request. I have received no information on these requests. My last dispute was on XX/XX/18 regarding these collections, I never received any type of verification but Equifax reports on my credit file in the comment section " consumer disputes account ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 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:
I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.

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 2018-10-29 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:
I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ...

I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is in addition to complaint complaint XXXX about XXXX XXXX. Original complaint is follows : I have two store cards with XXXX XXXX. An XXXX store card and a Walmart store card. Both provide promotional terms and I have several promotions on each. A few months ago, I realized they were applying payments to promotions that were expiring in the future instead of the ones expiring sooner. This would result in having to pay interest. 
My only request was to take the payments from the future expiring promotions and apply them to the one expiring soon. They messed up the account by taking my payments from my non promotional charges and apply them to the promotional charges instead. Thus increasing my interest amounts and causing me to pay more interest. I have emailed a dozen times, talked to 2 customer service reps on chat and called three times to complain and have this fixed. They needed to re-apply to the interest accruing amounts due and then finish applying the rest of my payments to the first expiring promotional balance. it really was that simple. Now, this is the final straw. on XXXX-18 they made three rogue and fraudulent adjustments to my account. {$120.00}, {$100.00}, and {$98.00}. They were supposed to be fixing my account. Not charging me these false adjustments that have no credit adjustments. Just to be clear. Synchrony has charged me these fraudulent charges in the process of simply trying to fix it. Now I am with a customer service rep trying to fix it again to no avail. 

Adding that I found a 4th fraudulent charge Posted by Synchrony in the amount of {$68.00}. Total fraud charges by the company ( in the pursuit of them fixing misapplied payments ) {$390.00}

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 monetary relief
Consumer complaint received 2018-10-29 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:
I went to the ATM made a deposit and requested a {$200.00} fast cash withdraw. The machine told me to take my card which I did and then the machine acted as though I took my cash and told me to take my receipt. I immeditately went into the bank and told the tellers what had happened and they filed a complaint and temporarly posted the funds back into my account. I received a letter from the bank 10 days later stating after investigation they found no errors on their end and they debited the money back out of my account. The bank staff told me I would have to file a police report for the secuity footage to show whether I received my funds or not. I tried to file a police report and the police say this is a civil matter. The bank is refusing to look at the footage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello my problem started XXXX XXXX around that time, the problem is that my credit card from bank of america was hacked and used from my XXXX  account, they purchased some car part from XXXX XXXX   a compani on California, the same day that this happen my bank send me a text asking about this transaction and I did said that I wasn't me so I cancell that card bou still a week after that i recieved a package i noticed that was some body parts so I call the company to send that back to them, because I checked my bank and they put the money back to me, I did send that back to the company and after that a received a letter from banc of america saying that y was responsable for the amount, so from that day to today I was trading to fix this problem that already have the receive from the post office that I did send everything back to them, but they still making me responsable for this amount, please help is making my days miserable

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 monetary relief