vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Originally, I was supposed to take a trip in XXXX that was booked and charged onto my Barclays credit card by XXXX XXXX through XXXX. Due to COVID, it was cancelled ( services not delivered ). Through a long and drawn out process, XXXX  finally agreed to refund me ( documentation attached ) for 4 tickets totaling {$1300.00}. I had filed a DOT complaint and a credit card complaint. XXXX  told me ( via XXXX ) that they couldnt process the refund with the credit card complaint ongoing, so I cancelled it ( documentation attached ). This was XX/XX/2020. 
When I never received the refund, I sent a certified letter to Barclays ( attached ) asking to reopen the complaint on XX/XX/2020. I called the day after it was received and verified everything was in the works. I was assured everything was being reviewed. When I heard nothing 63 days later, I called for am update. I then received this confusing letter saying I could be refunded because I authorized the charge ( attached ). When I called for an explanation, they told me that they can not refund me because the complaint had been closed in XXXX and could not be reopened. 
I had provided clear documentation that XXXX had agreed to a refund. XXXX  will not speak to me directly and says that theyll only speak to my booking agent, XXXX. In the complaint to Barclays, I attached several emails documenting that XXXX has attempted to follow up with XXXX to no avail. Dozens of attempts to XXXX  have been made by XXXX and myself on the phone and through email. 
Thank you for your help.

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I did not see my automatic payment come out of my account in XXXX, so I emailed them. Pentagon Federal said I had paid them. I knew this draft did not occur so I called them. They said it was fine, paid. 

I called them again after I noticed it was reversed. They said I had the wrong number in for the account, and that they would correct it. 

The payment went through but again was reversed. I called again today XX/XX/XXXX and they think they have my XXXX payment correct but still are working on my XXXX payment. Both the latest attempt to pay XXXX and XXXX were reversed XX/XX/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 monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have disputed this account with Southwest Credit Systems and I have received nothing from them at all. I do not know why they are on my credit, what I supposedly owe them for, or who they are. They have willfully disregarded my dispute letters, they have violated my rights granted under the FCRA and FDCPA by not providing me with any of the required documentation necessary for them to be on my credit, and even though I've begged them to stop calling my cell phone and workplace, they have continued to do so on an autodialed line. This is outrageous. HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Screening Reports Inc.
State: GA

Complaint narrative:
I recently applied for housing with XXXX XXXX XXXX XXXX. The application was denied due to inaccurate information reported by Screen Reporters, INC. The report shows : Plaintiff Disposition Eviction Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX This information is inaccurate and an eviction never took place. I'm providing documents as evidence.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We have been unsuccessfully attempting to close an IRA that my Mom had at Webster Bank. She died two years ago and we have had multiple interactions with the bank, filled out all the requested forms ( multiple times ) to no avail. I finally jumped through every hoop and was told I'd receive a check in the mail only to receive a deposit slip showing my portion of the proceeds had been deposited into some random account that I have no access not knowledge of. The bank has been unwilling to complete the closing of this account. We are at a loss as to how to proceed in securing the money which, by law, is OUR money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It's been over 30 days and I have not received any investigation results.

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 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMB, Inc.
State: GA

Complaint narrative:
The company keeps contacting me in regards to XXXX XXXX. I am NOT XXXX XXXX and I do not know and am not Related to any XXXX XXXX. I informed them that under the consumer protection laws they have no right to continue to harass me or to even call me in regards to someone they believed I knew. This company acts like they think they are contacting XXXX and we i again inform them I am not XXXX. they change their approach and claim this XXXX. gave them permission to contact me which is also not true since XXXX doesnt even exist. I get called almost every day and multiple times a day for a debt I HAVE ABSOLUTELY NO CONNECTION TO! They call themselves offices of Patients accounts and when they call they block their contact info from being displayed and it says Unknown Caller unless you click the call in your call log to display the original calls number. This phone number is XXXX XXXX XXXX XXXX but it is not the only number they have used its just the most recent phone number to be used.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a fairly sophisticated banking user. I have accounts at several institutions and am used to transferring and applying funds between my accounts. I use XXXX for example to transfer funds from XXXX XXXX XXXX to Chase - the funds are available and subtracted THE SAME DAY between these two institutions - almost real time. 

I have 3 accounts at XXXX XXXX XXXX A checking account, a HELOC account and a Mortgage account. All at the same place. When I allow Chase to autopay from my checking to my HELOC ( and ONLY on Autopay ), funds are removed from my checking 2 business days PRIOR to the funds being credited to my HELOC account. Chase shows the reduction in my checking balance, but no entry in my Heloc account for 2 whole days - meaning, if this is bulked up, every customer at Chase, they are using internal transfer delays to create liquidity - I am a small part of this pool of funds but, given that its within Chase ( the same institution ), there is no external transfer, this seems very inappropriate to me. It doesnt happen even between Chase and XXXX or Chase and XXXX, or for transfers I initiate, only internally at Chase where they have control of, and access to, the moving money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2009, a HELOC Mortgage was completed with Third Federal Savings and Loan Association of Cleveland. 
and loan payments began, Third Federal received over payments intended to be payments against the principal balance. Instead of applying the payments, Third Federal, changed the description of the over payment to interest and kept the overpaid amount. 

Frequently throughout the loan double payments were made per month. Third Federal failed to apply the payments were they were received. Instead, the payments were held until the payment date and then applied against the loan. 

After the ten-year borrowing phase, the loan went into the repayment phase. Third Federal without any notice increased the amount of the payment required per month to {$2800.00} per month from {$650.00}. 

The lender was contacted after receiving a call from the collections department. Also spoke with customer service to find out what happen to the Notice and found it was sent to a wrong address. 

A call was placed to customer service explaining that payments could be made if the amount of the payment could be modified to between {$1000.00} to {$1500.00} per month. No response was received from Third Federal. Instead, foreclosure proceeding were started by Third Federal. 

A modification was requested again and there has been no response from Third Federal. Third Federal is returning payments made against the loan and reporting to the credit bureau that the payment has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This week while looking through my wallet I came across an American Express Serve card that was given to me by my mother on my XXXX birthday on XX/XX/2019. I had received this card as a gift with a {$50.00} balance. When I received this card, I did not contact American Express, download and app, or make any efforts to register or activate this card. Upon looking at this card yesterday, I attempted to verify the balance on said card. When I contacted the company after following the steps on the back of the card I was told that there was a XXXX balance. I inquired how there can be a XXXX balance as the expiration date had not lapsed and I had not made any purchases with said card. The operator relayed that the card was being charged a monthly maintenance fee from the onset of the purchase. I explained this must of been a mistake as my mother had purchased this card at XXXX with the preface that is was a gift card. I asked if there was a way for me to speak to someone regarding having the initial {$50.00} dollars returned as I had never activated the card or registered it, therefore the money should just be sitting in escrow, and what maintenance exactly would apply, theres been no use. I was told, and I quote, there is nothing we can do and no one you can speak to here that can do anything. This card was being sold at a retailer, on an end cap amongst the other gift cards. How can a large company that continues to profit not have a means to rectify a situation in which a consumer purchased a product under false pretenses. As I stated, my mother purchased this card, I did not. I did not agree to any terms, register, or seek assistance regarding this card prior to yesterdays inquiry. What maintenance is applicable. I think its safe to assume my mothers intentions were not to purchase me a piece of plastic to pay and activation fee, put {$50.00} dollars on it for the product to act as a donation tool to American Express. I am looking to speak to someone who can rightfully return my intended gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Back in 2017 I used XXXX as my phone company and had to change to XXXX because my XXXX  account was continuously being billed more than what my original set up options were. After speaking with the local XXXX  worker about my bill continuously being overcharged he would work on the issue and tell me this happens often, we will get it fixed. Well for 5 months i was charged more than my bill and I went in again to the same XXXX  store to speak with the same XXXX  associate, he was gone. At this point i was fed up with the account and said it was time to move to another carrier. After speaking with the XXXX  account representative and explaining the situation she was nice and told me no issue, we will close out the account. She helped me do that no issue. I had overpaid my bill for 5 months prior to closing the account, I had no outstanding balance. I was done with XXXX. Then a few months go by and i get a letter from XXXX saying i owe them {$420.00}. This bill came out of no where and when i took it down to the XXXX  store to get clarification the representative couldnt help me because my account was closed! I called and tried to handle the situation explaining the circumstance and got no answers. Now the debt has been sold off two times and after trying many times to resolve this, this is my last option.. I am a good person who has no intent to not pay my bills. Iv established great banking relationships and plan to have a bright future. This debt thats not understood by people who are trying to collect it is effecting me. I hope to have it taken care of. Thanks

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My problem is with both Equifax and XXXX. 
I have been trying, unsuccessfully to get my name corrected. I have contact both more than once. 

Each needed personal information. Which I sent. 
All I have been trying to do is remove the middle initial " XXXX  '' from my name. I do NOT have a middle name. 

XXXX - did NOT address my issue, but instead sent me a copy of my credit report. 

Equifax required that I send via USPS, a copy of my drivers license, social security card, and recent utility bill, which I did about 2 months ago. They say they never recieved it. 
So now, my vital personal information is floating around out there in someone elses hands. Someone can now use that information to steal my identity, because they have no secure online way of me sending my information via email or on a secure website. 
I filed a complaint about this with them - no reply. 

Both agencies are next to impossible to deal with, let alone get information corrected. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have disputed debt withXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PENN CREDIT CORPORATION Original creditor : XXXX XXXX XXXX XXXX  for {$820.00} on two previous occassin XX/XX/XXXX and XX/XX/XXXX. Both attempted they have informed me that they were able to verify that the debt was acutally mind. I was a victim of idenity theft. I have asked them on two occassins to send documentation proving the debt on my credit report is mine. I still have no recieved any documentation as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2015 I had an auto loan with lobel financial. I got into a car accident and the vehicle was totaled and I didnt have insurance. I was irresponsible young adult Ill admit that. I couldnt afford it that month. Lobel did tack on some type of LDW insurance on top of my car payment for insufficient insurance. Which I recently found out was suppose to cancel my loan in the event of a total loss. 2 weeks later I moved from California to Colorado. I Never heard from lobel again. I just recently was notified of the garnishment on my check. I called lobel asked about the lawsuit and why I wasnt notified, XXXX insurance that they added onto my monthly amount every month for insufficient insurance. The man I spoke with was very rude and said they did a substitute service and a man named XXXX signed the papers they gave him to give me. XXXX XXXX is my cousins girlfriends dad who lived in California while I was in Colorado. ( I dont ever talk to that cousin ever nor his girlfriend or her dad since before I got the auto loan and till this day I still dont. ) The man also said that I didnt have insurance thats why I still owe them. I asked him again about the XXXX insurance that they were adding on monthly. Then he said I didnt pay the XXXX insurance part just my loan balance. ( But then I wouldve been behind on my car payments right? ). Then he said my XXXX claim was denied because they couldnt get ahold of me or find me. So I asked how they served, sued, and obtained a judgement against me if they couldnt find me and he hung up. 5 years have gone by since I was sued and I never knew! They havent tried to contact me in 5 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: GA

Complaint narrative:
I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC
State: TX

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I received a call and I answer the incoming call. When I said hello and automated system said sorry about the inconvenience and hung up. After the fact I assume this was to bait me into calling back. I called back and explain to the rep I have a call from the company in the system hung up. She told me they were looking for XXXX XXXX. I said to her how can I help you she began to tell me I had an account in their office and gave me the last four of my social security number. She did not give me the mini XXXX she did not give me the recording call disclaimer and she did not verify for me that I was the party she was looking for before disposing my personal information. I began to write things down and ask her her name and she said it was XXXX. And I said how can I help you what is the account for. At that point it's when she decided she wanted to make sure that I was XXXX XXXX. I told her you already given out my personal information and gave me the last four of my social before you identify who I was so at this point it doesn't really matter. She began to argue with me and tell me no she did not and I said yes ma'am and you did. She told me she was not going to go back and forth with me and ended the call. I called back and spoke to another rep XXXX, who was polite she didplace me on hold before she came back and ask me to verify the last four of my social she repeated it and I confirmed. She then gave me the mini XXXX and the recording call disclaimer and then she went into explain me what the account was for. I told her that I was not paying that debt as it is not something that was mine and I asked her to place me on the Do Not Call list This company also has never sent me a any type of debt validation for me to dispute it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I posted a truck for sale on XXXX  on XX/XX/020, someone contacted me the same day wanting to buy the truck, I then received an email from XXXX advising that I received a payment but it was on Hold until I send the shipping agent his fees to pick up and deliver the truck. I was so nave and did not suspect it was a scam and I went and transfer the funds using XXXX. After further research I found out it was all scam and that I have just lost XXXX. 
I have emails and text messages that I can provide. 

Please kindly advise if this type of Scam is something that you can investigate. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: GA

Complaint narrative:
I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.

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