vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I had debt through XXXX XXXX  that was passed on to Stephen einstein & associates law firm. Now fast forward to the date of XX/XX/2019 I received notification from my payroll that a garnishment has started coming from XXXX XXXX through Stephen Einstein & associates law firm. I reached out to the law firm via telephone on the same date and spoke to a person by the name of XXXX XXXX who became very rude and placed me on numerous holds throughout the call because he felt as I quote " if you are not going to let me talk I am just going to put you on hold '' to try and find out where was there notification being sent out to my address about this judgment against me and possible garnishment. He stated that it was sent to an address which i have no knowledge of and was not my address. He then stated that the process had already started that there was very little I could do and they got and i can send in a paystub now to them to see if they could lower the garnishment payments. Proper action wasn't taken by this law firm to even reach out to me the person about the debt, judgement, and garnishment that would start.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Selene Finance LP
State: VA

Complaint narrative:
This is currently with a new loan servicer. I believe that this property was paid off in 2006 and for some reason another mortgage was issued and this is the current servicer of the loan. I am requesting that original documentation be presented associated with this loan and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was with OCWEN for years and years without any problems. As of XX/XX/XXXX of this year the mortgage was transferred, why I don't know, to PHH Mortgage  which is a subsidiary of OCWEN. My home owners insurance company contacted me and let me know that the premium was not paid and my policy will lapse on XX/XX/XXXX. The new mortgage company escrowed the funds to pay the insurance, just as it has always done, but never made the payment. The insurance company tried, without success to call PHH and I have tried to call PHH. The last time I was on hold and switched between operators for over and hour and 45 minutes. Just to be told my account has been assigned to a specialist and only he can handle any problems or questions and he is not available. I can leave my name and number and he will return my call within 48 hours. I even told them I would pay the insurance out of my own pocket that I just needed an address to which to send the binder to prove I still have insurance and they said they could not give me an address. I think they are making my policy lapse on purpose in order to sell their own insurance product, which is much higher premium. I have never been late on a single payment and have excellent credit. This feels like a scam because no company could be this bad and still stay in business. I have no idea what to do now, CAN YOU OFFER ANY HELP OR ADVICE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is not resolving the fraudulent account that is listed on my Experian Credit report. This account is fraudulent, It was opened by a thief and was not authorized opened in XX/XX/2015. Instead of blocking the fraudulent account, after Experian was notified they are refusing to block the Fraudulent account even though they have been provided documentation proof that I am a victim of identity theft and that I did not authorize this account. They unblocked this stating a Material Misrepresenation, Yet the Company that provided them documents provided a Driver License with an address of XXXX XXXX XXXX Apt XXXX, XXXX TX, XXXX. Which was never my address, and Experian was notified that this address was fraudulent, I never applied for Membership at this credit union, Nor ever signed anything. I have Provided Experian with a FTC Affidavit Clearly stating the crime, I have provided Experian with a Utility Bill, I have provided Experian with my SS Card. All of which are proof and documentation that I did not authorize this account, they refuse to follow FCRA Law 603 ( B ) Even though they were notified I am a victim of a crime. They told me on the phone that their Agents unblocked the account because this company is one of their " Preferred Vendors '' And that when they have a relationship with a company they have to unblock an Item if the company requests them to do so. Which is against the law since the account is ACTUAL TRUE NAME FRAUD. Being a victim of identity theft you should not have to have your credit file damaged because a criminal decides to open an account. Especially since this account was opened in 2015 and never authorized. XXXX XXXX XXXX XXXX - Account # XXXX Opened XX/XX/2015. Not authorized. Balance was updated to show {$1800.00} which is not possible as I never made a payment to this account ever, because the credit union would not give me an account # would not let me pay this account, and would not give me details on this account that is fraudulent. Because again I did not open this account so there is no misrepresentation as they won't give me any information on this account and told me they sold it to XXXX XXXX XXXX whoever that is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2019 our 2 year CD with Ally bank has matured. On XX/XX/XXXX I've called the bank and told an associate that I would like the CD and the account to be closed and a check of the total amount to be mailed to me. I have the confirmation number XXXX. I was told it would take about a week.. 
On XX/XX/XXXX, not having the check, I called Ally again and was told by an associate that the account was not closed and the check didn't go out and he did not know why. I wanted to talk to a manager but none was available at the time. 
Next day morning, XX/XX/XXXX, I called again and was able to talk to a manager. He could not explain why the account and the CD was not closed as I requested but assured me that the check is already in the mail. I asked why wouldn't they send it by overnight being so late but didn't get a response. 
It's XX/XX/XXXX and I still do not have the check. Moreover yesterday I have received a letter from Ally letting me know that the CD has been renewed for another 2 year term. It's surreal.

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 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ),  because the promo time was close to expiring. 

To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. 

I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. 

This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a store card that was financed through Comenity Bank. I always pay my bills online but this card I never could, so I would have to call in to pay. In XXXX, I was one day late and then got a bill for {$22.00} in late fees and interest. So, I called into pay this late fee bill that I only just received and discovered I am late again and next month will have another higher late fee and interest charge on this interest fee and late charge. I called and was told the reason I can't pay it online is because, while I am registered with the store website, I am not registered with Comenity. In order to register with Comenity, they need to send me something in the mail. Which no doubt will make my next late fee late. This to me appears to be a scam. They should not be allowed to send bills late and then demand exorbitant late fees. Please stop these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/2019 I filed some disputes for XXXX XXXX XXXX on devices I didnt receive, I explained my situation to PNC bank about this and field the dispute, pnc does not any to help and told me to deal with XXXX XXXX XXXX and get my money back its like I just gave XXXX XXXX XXXX   free money, I explained to pnc that Ive already went through XXXX XXXX XXXX and nobody wanted to help and I did file other disputes but this bank is just that bad I trusted pnc to get my money back but I was denied and bad customer service, I would not recommend this bank or smart access card to anyone, I have tried to resolve this this but I cant thats why I filing this complaint, one was for XXXX dollars the other was for XXXX dollars and the other ones for XXXX and XXXX, this bank does not want to help the customer and I was told cant help you please resolve this before I file a XXXX XXXX XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This is Experian 's Boost program. It is specifically the self reported account for XXXX. 

Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Original Creditor XXXX  Company Sold - Account Type Telecom Date Opened - Account Status Open Payment Status Current Status Updated XX/XX/2019 Usage - Balance {$58.00} Balance Updated XX/XX/2019 Original Amount - Monthly Payment {$58.00} This program, even though only about three months old, is flawed. Th problem is that this is installment account. So the payment is also being reported as a balance instead of showing XXXX. This is affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Supreme Lending
State: FL

Complaint narrative:
I was referred to a mortgage/loan officer by my sister-in-law. After filling out the credit application I became aware of the fact that the loan officer had shared my personal financial information with a my sister-in-law, she was not a co applicant nor in any other way associated with my loan besides making a personal recommendation of this loan officer. This inappropriate sharing of my personal information led to many uncomfortable questions and confrontations with my sister-in-law. I would like to know if and what recourse I have in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: GA

Complaint narrative:
This company is calling all people associated to me through addresses, relationships, etc. They are telling them it is a financial matter I need to contact them. I have never even given the numbers of the people they have called. Its embarrassing and it's intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
1. On XX/XX/XXXX I thought I signed up for free credit monitoring account on Experian. I did not want a paid service because I already have one with XXXX. I never signed off on having my credit card billed. 
2. On XX/XX/XXXX I was billed {$24.00} by Experian. 
3. I disputed this charge with my Visa company and the charge was removed. I was unable to talk to an Experian representative as all their published numbers led to a phone tree and automated options that did not fit my query. 
4. On XX/XX/XXXX I was charged again by Experian for {$24.00}. 
5. This time I tried four different Experian phone numbers and still had no option to speak to an Experian representative so I could find out why I was being charged. 
6. I also checked my online Experian account which said I had a basic membership. There with no documentation that it was a paid account. The online account only offered me the option to upgrade the account. No ability to query or cancel it. 
7. I got back on the phone and did the automated option to cancel my membership. When I pressed the option to cancel it said I was cancelling a " FREE '' membership. 
8. Experian operates deceitfully by roping people in for free credit monitoring and then billing them. The Experian website and phone tree are organized to deceive the consumer and lead to unnecessary charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
there is a debt showing on my credit report for XXXX from a company i have no knowledge of and have no written or call consent for that charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have informed Transunion by several disputed in the past that the accounts that they are listing on my credit report do not belong to me. I have explained that I have no knowledge of the following accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, there is also accounts listed for XXXX XXXX XXXX. There are two addresses listed that I have never lived at XXXX XXXX, & XXXX XXXX XXXX. Also there are several inquires that they refuse to do anything about they say contact the companies I did the companies say contact them this has been on going back & forth & back & forth again for these XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, they have several duplications of XXXX listed as well and 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 2019-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I went in to a local Chase bank branch approx XX/XX/XXXX to open credit card accounts for my in-laws and sister-in-law as their Attorney-in-Fact. The POA documents were with me. After an extended time there with a representative, the branch manager became involved and said they will not honor POA for extending credit. I then called Chase executive offices and one of their reps said yes that is their policy. This appears to violate State of Connecticut General Statutes 1-350R/S, and the focus of abuses mentioned here : http : XXXX Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons '' Your assistance is requested in bringing enforcement actions to the institution for so blatantly disregarding their legal responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/19. 

CITIBANK , N.A . 

Attention : DEBIT CARD BDU. 

XX/XX/XXXX XXXX XXXX XXXX, SD XXXX CASE : XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. CA XXXX XXXX XXXX ACCOUNT # XXXX On XX/XX/2019 my debit card for US {$400.00} was used WITHOUT MY AUTHORIZATION. 

Immediately start a dispute over the phone that never prospered. 

Then On XX/XX/19 send a written letter to activate the dispute ( attached copy of it ) I do not understand the reason, but initially they credited me a different value in my account US {$410.00}, and yesterday XX/XX/2019 they debited me this same value US {$410.00}. 

Today I called to claim for what happened and they told me that I should start another dispute for the correct value of US {$400.00}. 

I really do not understand why I should start the same dispute again. 

The truth is I'm not happy about what's happening because it's not fair that without my authorization I get paid for something I never use and the bank does not return my money. 

I have lost more than 3 hours on the phone with your bank and I still do not get an answer after 4 months, Again I tell what happened : I book at the XXXX XXXX XXXX XXXX   XXXX XXXX for the days XXXX and XXXX of XX/XX/XXXX2019. 

When I arrived at the Hotel I immediately realized that I was deceived. 

All the advertising and photos of the hotel on the internet were false and misleading. 

When I went up to the room, it was dirty, it smelled like too much cigarette, it had no heating, the only television that had not served and the toilet was disgusting of the dirty. 

The hotel did not have a beach as they advertised it and the elevator did not work. 

The site looked too insecure and I went to reception immediately and I said that I was going away because they had deceived me and that was not what I wanted for my family. 

I told them that they were scam and they told me that even if I did not stay at their hotel they would still charge the reservation for US {$400.00}. 

I did not authorize them to make the payment at any time. 

I went on the same nights of XX/XX/XXXX and XXXX to the XXXXXXXX XXXX XXXX, as you can see in the voucher attached. 

I can not accept being charged US {$400.00} for a room I never used because I was cheated. 

I hope your bank will respond and credit me with this value of US {$400.00}, since I have always been a good client. 

Thank you, 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 monetary relief