vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This bank closed many self account, this synchrony bank never I pay late any account and never had negative in me credit so is not fear because me score was damage because of them I need take action with this company.

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 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX

Complaint narrative:
Sent a certified letter to XXXX XXXX XXXX on XXXX XXXX received no response. I called to check the status and they told me that it had been transferred to there sister company Law office of brett m. borland. Later I received a letter regarding the debt from Law office of brett m. borland, p.c., I mailed a validation letter XX/XX/XXXX. I called an spoke with Mr.XXXX  XXXX on XX/XX/XXXX and emailed him @ XXXX a video/move-out notice and reason/medical paperwork. of the the unit on my move out along with a validation letter, and the move-out notice that was sent via email to the property. Also, informed him that the charges/false were unfair and that they needed to be corrected.. I received a response on XX/XX/XXXX with an invoice, ledger, move-out notice, lease, summary. Well the discrepancy is that the paperwork has false claims/charges. They said the video is not valid, and that I have to pay what is stated. Per the invoice they say there was no notice given which was was false I provided that on XX/XX/XXXX. I moved out the unit XX/XX/XXXX they had on the invoice XX/XX/XXXX which is false. I ask for proof when the unit was re-leased as to I will not be paying for an occupied unit.They have different lease end dates. They are trying to charge to clean the carpet which is illegal. I asked for physical proof of removal of the alleged trash they so called removed.Overall the unit had normal wear and tear, and the charges are unfair and they falsifying information. I have called XXXX XXXX at XXXX which is the property mgmt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I just called SPS the old mortgage company for my mother XXXX XXXX and they told me, the loan is not closed!!!!!! They told me the loan was short {$1800.00} how can that BE we had the pay off from SPS and I know they are lying because they are now harassing my mother for payment. The big thing is I did not know about this until now!!!!!! They claim they are working with someone called XXXX at phone number XXXX from your company. I need to YOU to take care of this today!!!!!!! I will call you today I need this solved today or that you and I WILL take SPS to court for harassment I need your help the loan closed and has been paid off and now sps wants more money the pay of was paid!!!!!!!! now they are harassing for more money XXXX XXXX. 

They also called and demanded payment from the closing company XXXX after they the closing company called a day before closing to verify the pay was correct!!!! the pay off was correct!!!!!!! 

Return the XXXX You stole from the closing company and stop harassing XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I need help with a loan modification. I can not get any information on how to proceed. Senior leadership has been involved but has done nothing to assist in the process. When I call customer service I am given different information each time I call. The process has been extremely frustrating. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union i have contacted this company several times, through phone and email and they say it's been fixed. I do not have any outstanding bill with this company and do not owe this debt. Please remove. {$160.00} XXXX XXXX XXXX XXXX XXXX. 
I have now written the XXXX concerning this as well as CFPB and notified the company via phone and written statement. This is unfair to collect a debt that isn't mine.

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 2020-02-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased from XXXX a laser with the ability to actually burn items. When I received the item, the item was not capable as advertised on their website. Turns out it was fraud and false advertising with multiple complaints online from people duped into believing the device was capable of actually acting like a torch. I submitted my dispute with USAA along with evidence ; according to their research which they will not share with me, they determined the charge was valid. I see no evidence that any sort of investigation was performed. I was told to submit a letter explaining why as an attachment but I already submitted my dispute within the text field when I originally filed my dispute. 

When I spoke with the MSR on XX/XX/XXXX ; she told me she did not have access to see the original text from my dispute and only the attachments thus creating more work when I already explained why I was disputing it. 

She recommended me sending a letter to dispute it again via mail. Not sure why I would want to do that when I already did it online. Submitting it via mail would only add to further expenses on me for already being defrauded by this company. 

I also submitted a complaint directly to the company Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
In a previous complaint : XXXX Gurstel Law Firm P.C., On XX/XX/XXXX, 2020. filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XXXX XXXX, 2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XXXX XXXX, 2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/ 2020. Gurstel Law Firm submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/ 2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. Gurstel Law excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from Gurstel Law Office. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX  ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document.

( Court Doc pg 1, 2, 3 ) 9 -  In this statement. He lists Gurstel 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of Gurstel Law Firm. 

10 - Then in closing arguments. The Plaintiff, XXXX XXXX XXXX is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of XXXX XXXX XXXX The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for XXXX XXXX XXXX. As referenced by Mr. XXXX XXXX XXXX. Attorney for the Gurstel Law Firm P.C.

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " Toyota Financial Services '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. what I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is foudn on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
At the beginning of XXXX I attempted to obtain a mortgage prequalification and identified 3 unknown medical bills on my credit report from Transworld Systems Inc. When I contacted them by phone XXXX/XXXX/20 I was advised there were several more accounts that were not reporting on my credit report, but were in their records. In an attempt to get the prequalification done, it was time sensitive pending contract on new construction, I paid ALL the bills. I asked that a confirmation letter be sent. Ten days later I had not received the confirmation letter. I asked that it be faxed and mailed. The first week of XXXX I still had not received the confirmation letter. When I called for the third time I was told neither of the first two representatives had mailed or faxed the letter though my fax number was in their records. Finally the faxed letter was received that same week. XX/XX/XXXX I spoke with my mortgage company and they advised me that one of the TSI charges was STILL on my credit report. It is for {$59.00} and the credit report lists it as account number XXXX. The confirmation letter from TSI does list an account ending XXXX, but does not detail the amounts paid for each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
FEES BEING CHARGED FOR UNLAWFUL FEE NOT LOOKING TO SUE JUST WANT ITEMS REFUNDED EST CHASE -XXXX XXXX -XXXX  XXXX  REPORTING INACCURATE INFOMATION ON BOTHE B/C OF THEIR VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called Trans Union, as directed by their website, many times in an effort to receive assistance in filing a dispute. I am unable to file disputes online and am directed to call them for asssitance. 
When I call, I am lectured, harassed, and mistreated, with no signs or hope of progress. 
I now have to call from a different number because they have blocked one of my phone numbers.

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 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I purchased a Vanilla Visa Gift Card from a XXXX store in XXXX, SC. I immediately purchased a pack of mints for {$4.00} ( approximately ) at the same XXXX so that I could create a PIN for the card. I bought it for my XXXX year old daughter to take to XXXX XXXX for a school field trip. I originally added {$130.00} to the card and so there was a little over {$120.00} left on it. My daughter had a friend that also bought one at the same store and within 2 hours the money was gone and she had not used it. I then checked our card and the money was still there. I didn't check the balance again until XX/XX/XXXX and there was only around {$.00} left on the card and we had never made another purchase. I called the company immediately and they told me where the charges were made ( somewhere online but I couldn't understand what the person was saying ). She then told me they would investigate and IF the charges were not ours we may get our money back in 90 days or so. My daughter was at XXXX with no money because we thought we were using a safe way to send money with her! They had horrible customer service and that same day another girl on the trip had that happen to the same Vanilla brand Visa gift card ( bought at a different store ). I have had several people now tell me this happened to them and they never got their money back. There are numerous complaints I have now found online about these gift cards. We just want them to make it right and return our money ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XXXX XXXX, 2020 attempted to put a Credit or Security Freeze at Equifax online ... went through the process but came up with a message that they could not verify my identity and that I needed to call them. 

On XXXX XXXX, 2020 I called the number that was given me online ( XXXX ) and explained that I was trying to do a Credit Freeze online but I received a message that I needed to phone to verify my identity. Went through the security questions with the person on the phone, answered them all and then at the end, she told me that they could not verify my identity and that I would need to send them my Social Security Card and Driver 's License to them, which I find outrageous, the perfect combination of information that would allow for Identity Thief. I told them that I would not send that kind of information to anyone and that I wanted to talk with a supervisor. I was transferred to a Supervisor that did absolutely nothing but insisted that I send the requested documents. I told her no and that we would be filing a complaint against the company. I don't think Equifax has the right to make it impossible to obtain a Credit Freeze when they allowed a major hack to occur.

I absolutely did not have any problems obtaining a Credit Freeze from XXXX or XXXX. My experience with Equifax was unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
AMEGFY BANK -350 CHRARGED ME UNLAWFULL FEES THAT Following an XX/XX/XXXX lawsuit, four banks - Zions Bank, Amegy Bank NA, National Bank of Arizona and Vectra Bank Colorado NA have now agreed to contribute to a {$10.00} XXXX settlement to compensate consumers who lost out to the 'high-to-low ' re-ordering schemes.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 2020-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Regarding the complaint ID # XXXX filed yesterday XX/XX/XXXX and received the company 's response with attached documents on same day. 

The borrower reviewed the documents and wonder how they have those information because the name on document XXXX XXXX ' passed away in XX/XX/XXXX however this person 's name was filled on the application with the Federal Student Aid since XXXX when this person existed. I am wondering the documents were done by the PHEAA without the borrower 's consent. 

I have attached document of XXXX XXXX 's death

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made  pursuant to the above named Title " XXXX '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. What I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this  fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have placed a freeze on the Experian, XXXX  and XXXX and I am trying to remove them because I wish to apply for credit. 

It is ABSOLUTELY impossible to contact anyone by phone at Experian. I have tried for two days without success. I have gone through a myriad of choices on their automated phone center, without success.

If I could I would have nothing to do with Experian, however, since I don't have a choice than I feel that they should provide some way to contact them other than US Mail.

They offer no live chat, no email and no Live phone contact alternative. Every single option on their automated response fails to provide access to a LIVE representative and the options on their automated response fail to provide any effective relief.

Experian is the only one of the three bureau that refuses to provide the minimum of help in resolving any issues. I can not access my free profile to review my accounts, to place a freeze, to remove a freeze or to dispute an issue with a creditor. 

Their complete indifference to the public is tantamount to neglect and has or will have deleterious effects on my credit records and the credit records of the public at large. 

Despite the multiple phone number they provide, none of them will allow you to access a live representative in order to resolve issues that their automated service can not. 

This is a detriment to the public good and well being and Experian should be instructed to provide suitable live representative to address serious issues. 

You can't complain to Experian because they refuse to accept phone calls, emails, faxes or live chat. 

This is an impossible situation that I hope your organization will correct immediately

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