vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Refunded an item with an XXXX vendor. It didn't go through. So spoke with an XXXX   vendor who tried to refund the charge, but it did not go through for whatever reason. I talked to XXXX but they were not sure why it did not go through and said to contact my bank or credit card company I made the transaction with. 

Called Capital One in XX/XX/XXXX or XX/XX/XXXX regarding a dispute with a transaction.They handled it well. Unfortunately, on there end they got the wrong charge and instead of crediting {$99.00}, they credited XXXX. First mistake. So they adjusted it later and everything was fine, until ... 

The charge came back in the form of a " transaction rebill ''. I called them to dispute it. That's when they made several more mistakes. 

XX/XX/19 Called Capital One Spoke XXXX, an " Account Specialist '' Explained simplistically as possible, the issue. They said they would handle it, that everything would be adjusted by next statement. 

Instead I received another form letter on XX/XX/XXXX-XX/XX/XXXX ( I was out of country ), telling me the dispute is closed. The letter referenced the wrong charge. It referred to the original wrong amount of {$96.00}. Not the correct {$99.00}. My account has been credited {$96.00} again, instead of me receiving a check for {$99.00}, as they said I would over the phone. 

XX/XX/19 I called Capital One again. I got XXXX, an Account Supervisor. I explained the ( now ) long story and she did not understand how they were in error still. She assumed that the account is balanced and there is no further action on their end. She insists the math adds up, but when I explained it, it still is missing {$3.00}. She was unable to explain where my account was balanced. They said they had sent a check, but they did not, so that was a lie. They said it was credited but they failed to explain where. They insisted the {$3.00} balanced the account, but they could not explain. Maybe they fixed it, I can't tell, because they don't know what's going on their own system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an XXXX XXXX showing on my credit report that doesnt belong to me

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 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX in XXXX NJ, assigned me a line of credit with Synchrony back in the amount of XXXX for as partial payment for a rebuilt transmission replacement. During the course of the loan, my minimum payment per month fluctuated between {$28.00} up to {$62.00}. per month this includes the principle and the interest of the loan. As of XX/XX/XXXX, I had a balance of {$870.00} f which I paid {$400.00} in an attempt to begin paying off this loan. My new balance as of XX/XX/XXXX was {$470.00} which included interest. When I received my XX/XX/XXXX statement, my balance went back up to {$830.00} which includes the previous balance of {$470.00}, credit fees and Adjustments of {$28.00} and {$320.00} interest for that month!!! In addition, Synchrony Bank reported this to the credit agency ; resulting in a negative credit rating of 10 points. I made a monthly payment of {$100.00}, which should have brought my balance down to {$370.00} considering they were requiring a {$28.00} minimum. As I have been the process of rebuilding my credit over the past 10 months, it was my intent to pay pay off the balance {$370.00} owed only!! I did call service, thinking they made an error concerning my account. They told me that there was a promotion in place of which I was not notified in any capacity ( email, text or US mail ), and that I missed the promotion. The customer service rep put me on hold for a while and came back on with a offer, stating " they would take {$500.00} if I made a payment over the phone. I told them that I did not owe that amount and I simply refuse to make any payoff without having their offer in writing first. They have proven themselves to be untrustworthy in their business practices and could add additional charges the following month unlawfully, at their discretion, keeping me unjustly in dept for the next 4 years. I have been paying principle, interest and {$39.00} late fees, since the start of the loan. I just want to pay off what I owe without being robbed further! I'm still making on time payments, exceeding the minimum requirement, but I need justice, and my credit restored. I did brig this matter to the NJ Office of the Attorney General ; whom after 4 weeks referred me to you via US mail ( Ref. File # 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 2019-10-05 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: NY

Complaint narrative:
Already filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus.

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 2019-10-05 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: NY

Complaint narrative:
Already filed identity theft report with federal trade commission with notice to furnishers and mailed copies to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan is serviced through Navient. On XX/XX/19 I made my regular payment on my account in the amount of {$170.00} applied toward both consolidation Loan # 1 and # 2. I then made a separate online payment in the amount of {$280.00} selecting Loan # 1 for application of payment per the website instructions. When Navient applied payment the {$280.00} was applied to loan # 2 not loan # 1. 

Loan # 1 has a balance of {$550.00} i am trying to pay-off this loan in full over the next two months so I paid just over half with the intention of paying the remaining balance during the month of XX/XX/XXXX. Over the years when I have made extra payments on this loan ( both w/Navient & the previous creditor ) the payments have always been misdirected to the larger balance to keep this account open and earning interest. The last time I made an overpayment some 8-9 years ago to pay-off the smaller balance I paid the full amount due and none if was applied to the first loan balance. This practice need to be stopped and lenders forced to accept the payment as made by the consumer. 

I recently learned from a friend that Navient was previously sued by the CFPB and they agreed to stop this bad practice however they are continuing to do it. I can provide proof showing the payments and i am prepared to give written sworn testimony. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NORTHPOINT MORTGAGE, INC.
State: NH

Complaint narrative:
Northpoint Mortgage pulled my credit without consent. I specified that I did not want to start an application, and they started an application and pulled my credit regardless. 

When trying to resolve this with Northpoint, they claim that I did in fact consent to both an application and a credit pull. When I asked for proof of this ( for I knew it was inaccurate ) they could not provide any and stated that they do not record their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: TX

Complaint narrative:
XXXX XXXX and Equifax caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: Capio Partners, LLC
State: FL

Complaint narrative:
Dont have any Knowledge of this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased some items from a XXXX decoration/design company ( XXXX ) that arrived in terrible shape and that were of substandard quality by almost anyone 's definition ( one of the art prints looked like it had come from a home printer ). I disputed the issue with the company and never heard back from them. 

I then filed a complaint on XX/XX/2019 ( See Attachment 1 ) with the credit card company Synchrony Bank ( XXXX Cash Back Visa ), and was told the case was being investigated. 

On XX/XX/2019, the credit card company issued a refund of my purchase, only to allow the merchant to immediately re-bill me for the sum total ( See Attachment 2 ).  Once again, I wrote to my credit card company for assistance and was provided with a generic auto-generated message followed by months of silence. 

On XX/XX/2019, in response to two more messages from me, I received a letter from the credit card company stating that they'd ruled in my favor and had issued a credit on XX/XX/2019 ( See Attachment 3 ). Oh, joyous day! Not. The letter did not take into account the immediate re-billing of the items after the credit was issued -- something I repeatedly mentioned in my previous complaints to them. 

I then followed up on numerous occasions over the subsequent months ( See full  correspondence ; most recent at the top - Attachment 4 ) without any type of resolution or even an acknowledgment that a human being capable of independent thought was looking into my case. 

That is still where we find ourselves today.

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 2019-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: Lending Club Corp
State: TX

Complaint narrative:
XXXX XXXX and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach lending club corp XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I waspassenger in a car that was involved in a motor vehicle accident. where it was 3 people in total in the car. we where transported by XXXX volunteer ambulance service to the hosiptal all of us went in the same ambulance at the same time to the same hospital. I checked my credit report to find this ambluance ride on my XXXX XXXX and XXXX and XXXX credit report. i contacred the ambulance and the debt collector to not be able to get the matter resolved i do not have issue paying the bill but im want to dispute the amount of XXXX for me to pay when there where 3 people in the same ambulance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I requested debt validation and they failed to send enough information. They are still reporting 2 accounts on my credit without properly verifying the debt. They simply sent a summary of accounts which fails to properly validate the accounts in question. LVNV Funding LLC have 2 accounts one with an amount of {$430.00} and another in the amount of {$800.00}. These account summaries are dates XX/XX/2019 and they have yet to remove these items without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from Equifax data breach in 2017 where my information was compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management called to collect a XXXX dollar debt I already paid in XXXX for XXXX XXXX XXXX between XXXX XXXX and XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX  data breach in XX/XX/XXXX  where my information was compromised.

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 2019-10-05 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: NY

Complaint narrative:
Filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus. I have also filed for settlement and found eligible from XXXX data breach in 2017 where my information was compromised.

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America doesn't protect its customers against fraud XX/XX/19 filed a claim of fraud atm transactions. The rep who took my claim was very rude and nasty towards me for no reason, I kept a positive attitude and ignored his nasty behavior whoever the rep was in XXXX, AZ that I spoke to needs a customer relation class on how to speak and treat customers because I doubt he had that same tone with me in public. 

Once he filed the claim he missed two additional charges, when I point out the error to him he say in a nasty tone. " I asked you if that was all the charges you wanted to file, now I have to open another claim '' .... Mind you I told him about all the charges I wanted to file he just wasnt listening when I was speaking to him, and the phone call recording can prove this for a fact. 

After the claim was filed I asked him for a provisional credit in my account, he said " no because how did someone get my pin card ect '' I told him my wallet was stolen which had my credit cards, ss card, and insurance card, and if I knew who took my things I wouldn't be calling filing a claim obviously and after all its my money I don't need to explain why I want money back into my account tf?. ( I been a customer with boa for about 3 or 4 years and never filed claim ever ). i ask to speak to a manger then goes to say hes an account manger, and its nothing else we can do but wait fast forward few days later i log into my account and i see XXXX, i may have called at least 10 times to see why i had this hold on my account and i got a different answer everytime. yesterday i spoke to 5 different claims agent who all gave me five different answers. 1 agent said the manger put " claim abuser '' in my notes another agent told me its an " ACH '' hold and she doesnt know why its on my account because she said she can see i havent cashed any checks, another agent told me manger named XXXX put the XXXX hold on my account was the only person that can remove it. Im glad my direct deposit was coming to that account because the neg balance would of ate it up. Boa filed to proctect me as customer and basically accused me and pointed me out as a victim. This isnt right and its no way to treat a customer. Now i recived an email saying my account closed due to inactivy now lets be logical. my account is XXXX how can i do anything with my account like that. This isnt right and contradicts Bank of America " zero liability protection '' which is a lie and false advertisment

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX, # XXXX

was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationCHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CHOICE RECOVERY INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CHOICE RECOVERY INC has not even tried to contact me
regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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