vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2019 i had made a purchase for {$530.00} for a pair of XXXX brand sneakers. The sneakers are the XXXX XXXX ( XXXX ) i had paid {$500.00} plus {$30.00} for shipping, i think the other {$7.00} were service or exchange charge. 

I was told the item would ship from the United States and were 100 % authentic, obviously i made this purchase with my credit card that had a {$0.00} balance since i paid off my card and i knew i would be safe. The transaction happened on XXXX which is a XXXX like site for the XXXX community outside of the USA but they tend to have rare shoes and items at times. 

I had placed the order and eventually i received the item 9 days later on XX/XX/2019. The item came directly from XXXX, i could not make out the return address or any other info as it was in XXXX other than for my name and address. I opened the package to see a pair of used XXXX brand basketball shoes. The shoes are red, white, and blue and were clearly worn. I immediately contacted Walmart Synchrony Bank to file a dispute. Keep in mind, i had called the same day to file the dispute. 

I tried contacting the merchant, no response, nothing. I messaged on the website multiple times a day everyday for weeks. XXXX themselves have a chat service but they could not help me, they said i had to speak to the seller then file a dispute which i did with them but they never refunded my money. I spoke to Walmart Synchrony Bank and they told me not to worry and that i will be taken care of. I have forwarded pictures of what i received and they have sent me many letters demanding information which i have faxed over 10+ times. They have closed and opened the case many times and have not helped or protected me. 

They asked me if i returned the item which many times i have responded to as NO! i did not! because i do not know any information on the seller, no one has given me a name and address, the item came from XXXX. I have ZERO information from the seller or where to send any product SO how can i return something i did NOT order to somewhere or someone i have ZERO information about??? 

I am at a loss at how a company would not help protect me when i have a proven track record, have had this card for 5+ years, always paid my bill without issue yet they will not refund my money for this clear as day scam. They can not even contact the company and credit my account, they owe me money as i have been making payments on this balance and they are screwing up my account. 

Please refund my money for this transaction, i received an item i did NOT order/

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 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Had a balanced owed from XXXX. They said I never returned my XXXX TV receivers. I took it to a XXXX store and dropped it off and the individual there put it in a bin and sent me on my way. In XXXX of XXXX a mortgage lender ran my credit and everything was perfect. In XX/XX/XXXX he ran it again and there was a collection. It was added to my credit report on XXXX of XXXX. It made my credit score go down roughly 100 points at XXXX and roughly 150 points at XXXX. I was actually planning on using XXXX at this new home I purchase - may not now. I would have kept the service but I moved to an apartment that provided me with cable and tv for free. Never heard about this debt until the mortgage lender told me. Called the debt collector and they said they never tried to contact me, first point of contact was when I called them in XXXX of XXXX. Why did they not contact me the previous 4-5 months?!? XXXX should know I'm not gon na reply to written mail because I don't live there! I returned the equipment, what am I going to use it for? I do not have XXXX service and if I do get new service, from my recollection, the equipment is free! They said they sent me a check for {$70.00} as well that I never got so obviously I never got any notice that I owed {$520.00} dollars and that they never received the receivers from XXXX - again not my fault. The debt collector also has my name incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX never sent me a bill from when I open the account. I made a purchase at their store and they gave me some discount if I would open the card so I did, but the issue was I never received the bill, once I finally got a call from them or I called ( can't remember ) my bill already had accumulate late fees and interest so I asked how much was to pay and close the account the lady gave me the statement and I did. 
Now they keep sending me bills that are not from purchases but late fees over late fees, I refuse to pay is outrageous if I already paid and asked for the account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of Fraud, I expressed this to Capital One Bank. No investigation was conducted and my account was sent to XXXX XXXX for {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Lending Club Corp
State: CO

Complaint narrative:
On XX/XX/28 I looked at a personal line from XXXX  XXXX and got an approval from them. When got the final payment after I accepted it was much higher than was offered. I called the company to withdraw and the department that closes accounts was extremely unprofessional and yelled and screamed. 
After realizing that I had set up my personal checking I had to close my accounts. Stop pay on several payments, freeze my credit with the 3 major credit bureaus and have a fraud lock on all accounts and personal as number. This is absolutely predatory lending and could harm most consumers. 

I have called 15 times to speak to a supervisor and the laugh or hang up. They wont send a withdrawal letter via email Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: Checkr, Inc
State: PA

Complaint narrative:
I applied as a driver for XXXX and XXXX, I waited the 7-15 days for my background check to come back and reviewed the contents, the report has a criminal record from XX/XX/XXXX on it from another state, I explained to XXXX that this information was inaccurate and started driving that was XX/XX/XXXX. On XX/XX/XXXX Checkr sent them another report ( unrequested this time ) and they suspended me from driving until they can investigate. Not only is this information inaccurate it is 25 years old and according to my rights should Not be reported at all regardless! These people are ruining lives without checking their facts and XXXX rejected me altogether based on their report. There is absolutely nothing else on my background report, not so much as a speeding ticket, so either that information belongs to someone else or I have been a saint for the last 26 years only either way this should not be on my report, and when I contacted Checkr they told me it would take an additional 30 days before they can resolve this, how am I supposed to live?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I need from Wells Fargo to give me a Customer account Activity statement.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C No 95-cv-01743 ). 

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the 3 CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 XXXX, v. XXXX CORPORATION US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C No XXXX ).

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the XXXX CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

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 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
From XX/XX/2019 to XX/XX/2019, and prior to these dates. American Credit Acceptance has been calling me every day ( except on Sat and Sun ) in reference to my monthly or past due monthly payment, and on several days they have call me multiple times in one day. The amount of my monthly payments are {$330.00} a month and due on or around the XX/XX/XXXX of every month. I have told them on multiple times that I get paid on or before the XX/XX/XXXX of every month. I have also told them to stop calling me every day in reference to my account, and that this is harassment in regards to this payment. They told me that they do not call me every day, and I informed that I can pull up my call log on my phone and prove that they have been calling me every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2019- two inquiries on my credit report that I did not do. 
1.XXXX XXXX 2.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 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc.
State: NJ

Complaint narrative:
Called personal cell phone multiple times back to back attempting to collect a business debt. Advised me they he was a lawyer and was suing me. Asked him to stop calling and hung up. He called a total of 8 more  times. Also left a threatening voicemail. 

They also illegally pulled my credit report. I want this removed from my XXXX  file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was a victim of Fraud, I expressed this to XXXX XXXX XXXX. No investigation was conducted and my account was sent to Chex systems for {$120.00}.

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 2019-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I consolidated my loans with Fed Loan Servicing back in 2012. The way they handled payments while my loan is in deferment is deceptive and unfair. I made a large principal payment to my loan and specifically requested the payment go to my unsubsidized loan, as I am in deferment and my subsidized loan is not accruing interest. Instead of Fed Loan honoring my request, they ignored it. I made the payment on XX/XX/XXXX. I emailed and called, and after much persistence they finally reapplied my payment on XX/XX/XXXX. Since I am knowledgeable about how loans work and how accrued interest is charged, I understand how deceptive this company is. Many others who have student loans do not know this nuances, and Fed Loan Servicing goes out of its way to scam unsuspecting college students. If a student is in deferment, all payments should go to the unsubsidized loan. They would have to refund consumers millions, so I know that no change will occur, and the CFPB will do nothing to help people who actually need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am unable to log onto a Paypal account. I have tried password reset and also called them. ( I called them on Friday, XX/XX/2019 ). I also submitted a complaint to the company through their website on XX/XX/XXXX or XX/XX/2019 asking them if there was a way to submit proof of identity through USPS or some other means. They did not respond to my written submission.

I have moved several times since I last used the account, and don't know what address was on it when I last logged on or updated the account.

I am concerned the account could have money in it that I'm not aware of, be fraudulently used, etc. Plus, I am unable to use Paypal as a means to send money currently. The Paypal rep advised me to get another email account, which I don't want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: SC

Complaint narrative:
On XX/XX/2019 I sent Experian a method of verification letter for explanation on accounts that were supposedly verified. However, they did not respond to my request.

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 2019-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian customer service phone numbers are entirely useless theres no representatives to speak too, it would appear this is a reccuring theme for this company there are peoples livelyhood at stake here and being unable to contact them in anyway is rage inducing

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 2019-08-28 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 have many attempts to resolved matters with 2 fraud accounts reporting on my credit report and incorrect account information and inaccurate late reportings to no avail. Please assist in getting the following incorrect information removed from my credit report. I have been dealing with this matter for many months. 

Please assist me in removing the following items from my credit reports : Fraud Accounts : Unknown accounts on Equifax - Acct # XXXX & XXXX Inaccurate late reportings : XXXX, XXXX XXXX, XXXX XXXX on XXXX, and XXXX Unauthorized Inquiries : XXXX, XXXX, XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/2019 I attempted to open an account with Simple Finance Technology in  XXXX, Oregon XXXX Simple. The account was opened very easily or so I thought. After opening I transferred $ money to the account from another account of mine. While the ACH was processing I got notification from Simple that my account was frozen pending more info. I was hesitant to furnish copies of my DL and SS card and was told that my ACH would bounce back within 1-2 days to my original account when it couldn't be received in my Simple account. That didn't happen so I furnished the info. I am still waiting for them to review the info.The review process was supposed to take 1-2 days and it's been almost 2 weeks. After 2 weeks they responded that the pictures I sent them where not in the format they wanted and that I would have to send them again. I asked what format they wanted and they said a PDF format. Which I am now trying to do. 

I definitely want this information shared with other consumers because I am not the only person who has encountered this problem with this institution. 

All I want is my money back and my Simple account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I closed on my FHA loan in XX/XX/2018. It clearly states in the contract that homeowners insurance and property taxes are to be escrowed in. My mortgage was almost immediately sold to XXXX XXXX XXXX. I noticed right away that the payment did not include insurance and tax. I have called XXXX numerous times to straighten this out to no avail. They are not paying either. Also, they have sold my mortgage back to themselves under different company names at least 2-3 times. They have changed my loan number at least twice. In XX/XX/XXXX I made my mortgage payment on time but to their previous address. They cashed the check and reported me to the credit agencies saying my payment was more than a month late. 
This company is impossible to communicate with. Their customer service is useless. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: SC

Complaint narrative:
On XX/XX/2019 I sent Transunion a method of verification letter for explanation of accounts they supposedly had verified. However, they did not respond to my request

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