vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I can't get a valid bill or account number from Synchrony.Made a purchase in XXXX XXXX XXXX on XXXX XXXX.  This involved a store credit card through Synchrony to take advantage of the 0% interest for 3 years.Reached out on XXXX. XXXX because I had not received any bills or account information and I wanted to know when the first bill would be due.I later found out that the bill / credit card had not been sent out until the XXXX but the gent I was talking to seemed to not be able to see this information and said that it must have been lost.He began the process to get me a new one and a bill.  I really couldn't care less about the card, you can only use it in the store - I just needed a bill.On the XXXX I received my first batch of mail from Synchrony including a statement (bill was not accurate, only had about half the balance it should have)  with a due date that was very early (XX/XX/XXXX)I reached out to Synchrony amount the incorrect amount owed and they told me that the account number was no good, that it had been canceled and moved to a new account.  I was at this point very frustrated and asked synchrony if I could just do this online since I needed to get payment out quickly to accommodate their due date that was not movable despite all the confusion.  They said yes but that it would require the new account number and they refused to give this to me stating that I would have to wait on it to come in the mail?!!??!?!?!Well I received a new statement the week of first bill being do and it was a carbon copy of the first statement they sent me!  same, unusable account number etc.I reached out to them today to find out what I needed to due, and they argued with me that the statement was correct - despite after checking the account number and showing a XXXX balance ?!?!?!?!

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 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc.
State: WA

Complaint narrative:
XXXX XXXX is showing 4 accounts in the amount of $XXXX, $XXXX, $XXXX and $XXXX.  I contacted them on XX/XX/XXXX and confirmed that I am not the person that owes the debts but they are still reported as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent debt validation notice in XX/XX/XXXX with no information returned.This account is also being reported inaccurately on my credit report. 

I originally requested the following.. 
Proof that the buyer actually purchased this specific account The terms and conditions of the sale of the account. 
original contract, statements, proof of the alleged debt Contract that I have with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX  XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I received a loan application rejection notice from Provident Funding Associates ( PFA ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. The loan was requested for {$110000.00} though the house was appraised at {$160000.00}. My credit score was reported at XXXX. 

I was rejected due to roof conditions of the house as the only reason although a roofer repaired minor work to the roof for {$6500.00}. The repairs were paid for from my available cash funds though the licensed roofer 's report and the appraisal report said these repairs were minor and could wait. I had proposed an escrow arrangement with PFA as this HUD home purchase would not allow any work before closing, but PFA rejected that too. I would have waited to fix the roof as it was not necessary at this time, but did fix the roof after closing with a new lender. 

I pursued and obtained a loan through another company and was approved though repair of the roof was not a pre-condition.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I 'm a XXXX XXXX at the XXXX XXXX of XXXX XXXX. I also play XXXX for the college, while trying to work two jobs and help my mother out at home with my little brother. I do n't make a lot of money so I pay what I can when I can. I normally always pay the minimum payment and sometimes I pay more when I can. I missed my XXXX 2017 payment once and It seem to be effecting my credit score. I 've payed consistently for months. I 've asked from a XXXX and got denied. I 've been trying to rebuild my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file

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 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I bought my property in XXXX XXXX for {$290000.00} and was financed through XXXX XXXX XXXX XXXX. Within 2 months the loan was sold to Chase Home Mortgage.My initial Mortgage was {$1800.00}. This amount quickly doubled within 2 years First it was {$2200.00} and then {$3600.00}, but when it got to {$4200.00}, i contacted a broker who worked with Chase to get my mortgage reduced and my interest rate peg at 5.35 % for the life of the loan.After this I noticed my principal balance started increasing and I contacted Chase about this in XXXX and XXXX. I was told that they ( Chase will look into it. On my last review I noticed that my principal balance has ballooned to {$340000.00}. I called back to Chase in XXXX XXXX and I have been in constant communication with them since. The contact man is XXXX XXXX who told me in XXXX XXXX that an issue was discovered and it was a mistake made by Chase.He said and amount of {$88000.00} will be deducted from my Balance and a check for 20 % of tat amount will be issued to me which will be reported to the IRS as an income to me. On XXXX XXXX, XXXX I received 5 letters from Chase and they want me to have a 6.45 % interest rate as against 5.35 % that I had before and an increase of {$980.00} in mortgage payment to begin XXXX/XXXX/XXXX just 5 days away. Everything was just unfair to me. I did not make a mistake, they did.i had not asked for a refinance so why would my interest rate be adjusted to 6.45 %? The claimed that I had paid {$110000.00} to date so why is my reviewed principal balance now {$220000.00}. They have not issued me a check for the 20 % of the recalculated amount that was misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05 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: AL

Complaint narrative:
Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my Equifax credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXXI paid the full balance off My Jared Jewelry account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XXXX XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it wasn't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XXXX XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XXXX XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX I went to check my XXXX score, only to discover that it was lower than usual. It is VERY low as of today, XXXX XXXX, XXXX. 
I found out that I was still linked to a XXXX account that my ex-husband opened as the primary holder with me as the joint member in XXXX. This card looked like a regular Costco card & could only be used for purchases at Costco. I was n't aware that it was backed by Capital One. 
Twenty years later, after I divorced in XXXX, I opened my own account with XXXX. The representatives at XXXX assured me several times that I had no attachment or responsibility for my old joint account. No one informed me, as I 've subsequently been informed by XXXX XXXX, that I needed to have contacted my ex-husband to have him terminate the joint account. Huh?! Are they kidding?! How was I supposed to have known this? No one ever informed me of this at Costco. Costco should have advised me & my ex-husband that we BOTH needed to open new accounts after the divorce. The joint account should have been terminated by them, or, at the very least, they needed to have informed Capital One of the divorce & to take me off the account. ( Which Cap One has told me is impossible! ) This was a major oversight by Costco that is having horrible consequences to my credit. Cap One told me in one conversation that since my name was on the original joint account as co-owner, I 'm responsible for the unpaid debt of some {$5200.00}. Talking, pleading, yelling with Cap One lead nowhere. I 'm caught up in a true " Catch 22 ''. They refuse to budge off their position. 
It is impossible for me to have run up a bill on that account. I do not have a viable card. When I opened my new account with Costco in XXXX XXXX, I could no longer use my old card. In fact, when I used it by mistake just after I received my new Costco card & not having yet destroyed the joint card, the old joint card did not work for me. I gave it to a Costco rep who shredded it. 
Early in XXXX I acquired an XXXX XXXX card linked to Costco in my name only. I 've used that & a subsequent XXXX ( also linked to Costco ) & my debit card almost exclusively for purchases at Costco since XXXX. I also have not seen or paid that bill for years. My ex-husband was responsible for handling that bill. We kept our finances separate for the most part. 
I pay all my bills automatically every month. That I am being adversely affected due to my ignorance & not having been advised well by Costco is an injustice to me that needs to be corrected by Capital One. They need to expunge from my credit history the debt that is not mine but my ex-husband 's. And take me off the joint account as of XXXX XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # 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 2018-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It looks like Chase is doing something similar to what XXXX XXXX was caught doing in opening fake accounts. I was contacted by XXXX XXXX at Chase bank in XXXX XXXX XXXX, CA. She told me that if I opened a new checking account and transferred money in, I would qualify for a bonus of {$200.00}. She said I needed to come into the branch to open the account, which I did about XX/XX/XXXX. She told me that in order to open the account, I would need an employer direct deposit. I told her I 'm XXXX XXXX and do n't have an employer direct deposit. She said that as long as money was transferred into the account within 30 days of opening from a non-Chase account, it would qualify for the bonus. On XX/XX/XXXX, I transferred the required amount from a non-Chase account. 

While I was opening my account, she told me that my wife would also qualify for bonus money if she opened an account as well. I told her my wife is a XXXX XXXX with no income and she said she would qualify under the same rules. My wife went into Chase on XX/XX/XXXX, and opened an account. The person that opened the account was not XXXX and said they did n't know if my wife would qualify or not. The banker suggested I contact XXXX. 

I called her the following week and told her the issue about my wife 's account. She said she would look into it and get back to me. I never heard from her. I called and emailed her several times with no response. Finally, on XX/XX/XXXX, after getting no response from her, when into the branch where she works. I talked to her and told her of the issues with my wife 's account and that I still had not gotten the promised bonus money. She said she would talk to her manager and get back to me the following week. I never heard from her. 

About XX/XX/XXXX, I called the branch and asked to speak with XXXX XXXX, the branch manager. I told her what had transpired. She said she would talk to XXXX and get back to me the next day. I never heard from her. 

On XX/XX/XXXX, I called and talked to XXXX. She said she talked to XXXX and she denied ever telling me what I was told. XXXX told XXXX that I was told it would have to be an employer direct deposit to qualify for the bonus money. 

Of course, that makes no sense. Why would I ( XXXX XXXX ) and my wife ( XXXX XXXX with no income ) open an account with the promise of bonus money if the only way to get that money was a direct deposit, which neither of us have. It seems that XXXX got us to open accounts to increase her bonus. I thought it was weird she would cold-call me for just that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: CA

Complaint narrative:
To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

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 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMB, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: DE

Complaint narrative:
I would like to re-open my claim # XXXX that you closed without resolution, since BYL Collections ' response was both late and insufficient. I requested itemized bills from the creditors showing the services provided and name and address of the specific providers, and received a shady printout with no company name whatsoever and none of the information I had requested. I received this well after 30 days from my request. Please advise if this can be re-opened at your earliest convenience. I 'd like a written response via e-mail to XXXXXXXXXXXX by XXXX XXXX, 2018. I do hope you 're able to finally resolve this, but if not my next step will be legal action. Thank you for your time. 

Sincerely, XXXX XXXX ( nee XXXX )

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