vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I logged into my account on XX/XX/19. I made one payment of {$20.00} to cover a purchase I had just made on XXXX that day. Then I made a second payment of {$25.00} to satisfy the minimum payment due on XX/XX/19. Today, XX/XX/19, I logged into my account and it shows both of those payments have posted, however it still shows a minimum payment of {$25.00} due on XX/XX/19. I contacted customer service about this because I made two payments totaling {$45.00}, more than the minimum due. They refused to remove that minimum due, even though I already made my payment and it was more than the minimum due. They claim it was because I paid it too early. At the time I made those payments, it was already showing the {$25.00} due on XX/XX/19. How can I pay it too early? I saw the minimum due and made a payment. I feel like I am being penalized for paying my bill. So now, even though I've already paid {$45.00} towards my bill, they expect me to pay an additional {$25.00}. My minimum due is supposed to only be {$25.00}, but now they are making me pay {$70.00} total.

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 2019-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: PR

Complaint narrative:
I have a debt with XXXX Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to Conserve. Conserve is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to XXXX. I asked them to please return my account to XXXX or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in XXXX payment to make this fast and they refused. I am able to make the monthly payments to XXXX  again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX  that are hindering me from being approved to buy a house. One account is with XXXX XXXX XXXX for {$1500.00}, it says it was closed XX/XX/2018. The other is with Security Finance Corp for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for XXXX XXXX XXXX still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. XXXX XXXX XXXX directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
My issue is Synchrony Bank XXXX XXXX  credit card claims it has NO credit showing from XXXX for a refund made and released to them with a batch number to verify it was done - and they will not refund to me {$680.00} because they DONT SHOW ANY CREDIT ISSUED BY XXXX. Even though XXXX has proof it the release of funds executed ( see below ) XXXX  television shopping network processed a refund ( for an XXXX computer on XX/XX/2019 for the amount of {$680.00} for an XXXX laptop computer Silver XXXX XXXX XXXX ) and XXXX ( XXXX  in the office of the president for XXXX at XXXX XXXX XXXX xt XXXX ) claims these funds of {$680.00} were released to My XXXX XXXX credit card on XX/XX/2019 in the amount of {$680.00}. She claims proof this was done is the batch # XXXX. I was told by the credit card company they never received this refund from XXXX and wont give me my money back! 

Synchrony Bank XXXX XXXX customer service manager XXXX and that I spoke to by phone on XX/XX/2019 states it has not yet been received and there are no records of it. He put in a dispute but stated it could take 60 days to resolve. 

XXXX would not give me any direct line or persons name to deal with the matter and every time I call it takes over 45 minutes to re-iterate the story and get a manager to speak with.

Today I called the credit card company again and spoke with a different customer service manager who said no matter what I want I just have to wait and he was also unwilling to give me a direct line number of or name of anyone to deal with directly. He was also unwilling to contact XXXX at XXXX office of the President when I offered him her number to assist in resolving the issue. 

Please assist in resolving this issue to obtain my refund of {$680.00}. 

Note : a different refund of XXXX for the warranty WAS showing as a credit on the credit card- but not the MAIN refund for The computer {$680.00} Thank you. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase with B of A credit card and paid off balance from XXXX XXXX checking account. Cancelled purchase on XX/XX/XXXX2019 and contacted B of A and asked them to return funds to XXXX XXXX checking account. We were told the transfer would take 5-7 business days. The funds were not transferred back so my wife called B of A again and was told funds are in process and again would take 5-7 business days to be transferred. Waited again as of today XX/XX/XXXX2019 the funds were still not transferred. My wife spoke to Supervisor XXXX from the XXXX New Jersey office and again was told funds are pending and would be transferred in 5-7 business days. This was the second time my Wife spoke to Supervisor XXXX prior to speaking to other representatives the last couple of weeks. Please see their reference number 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 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
I've never had XXXX. I'm with same carrier for over 20 years. They have wrong person in collections. I open dispute in my credit file They're refusing to remove I will contact Attorney general next

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There is a address in XXXX for me on my report. I never lived in XXXX, or had a PO box in XXXX. I lived in Minnesota all my life.

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 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: SD

Complaint narrative:
I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Made purchase XXXX : XX/XX/2018 about {$2600.00} Their advertisement is no interest 24 months payment over {$1900.00} purchases. 
Realized in XX/XX/2018 that my promotion period is only 12 months. It is stated in the statement. 
I called XXXX first and I was told to call the bank. 
I called the XXXX XXXX XXXX, they said they can not do anything after 60 days of transaction. 
This is an " false advertisement " and " consumer fraud '', PERIOD! 
Supervisor in the bank, told me that it was my mistake that I didn't check my statement or didn't catch the error. Basically answer was XXXX forwarded them my purchase as " 12 months '' promotion. 
Why would I, as a consumer, be responsible, if they made an " ERROR '' and put me on 12 months plan instead of 24 months. When I first placed my order, I checked for 24 months of no interest financing. 
I believe this is systematic process ( or error ) and PLEASE STOP THESE COMPANIES AND BANKS TAKING ADVANTAGE OF CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, I tried to cancel my PNC Bank checking account online and it wouldn't let me. I talked to a representative on the phone to ask them to close, and they refused to and said I had to come in to a branch to close it. This is unfair- they are trying to start charging me more and I just want to close my account without the hassle of trying to get to a physical bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optimum Outcomes, Inc.

Complaint narrative:
I collection balance was added to my credit report with failure to notify me of the balance of {$200.00}. When I contacted Optum Outcomes INC, they verified a telephone number of XXXX that I have not had in three years and an address of XXXX XXXX XXXX XXXX XXXX, WI that I have not lived at three years. I insisted on speaking with a collection department supervisor. XXXX ( supervisor ) got on the phone and instantly started to ask for payment. I informed her that I was not aware of the balance and had full medical coverage throughout that time. XXXX did not want to listen to my concerns or issue with the failure to notify, and continued to insist on payment. 

I was not properly made aware of this balance. The medical college billing department confirmed that they had outdated mailing and telephone information. Then they also did confirm that they were receiving returned mail, so I dont know why the collection company said that they were not receiving returned mail. I even called that phone number with the collection rep on the line, and it said right there, it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There is a hard inquiry on my account from Syncb National Credit Cards/Airlines. The inquiry was made on XX/XX/2018. I did not give anyone permission to initiate a credit inquiry. I have not been able to get this resolved. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am the owner of a vehicle in a car accident XX/XX/XXXX. The car was declared a total loss by the insurance company on XX/XX/XXXX and the insurance company negotiated a payment with the lender. At the time the driver, my husband, was the person paying the car loan. A payment was made XX/XX/XXXX. The lender estimated the car value ( loan and interest at {$19000.00} ). The insurance company sent a check for {$10000.00} ( on XX/XX/XXXX ). We had also been paying for gap insurance ( through Bridgecrest ) and other services along with the monthly payment. During the entire time we were in correspondence with the lender. In XX/XX/XXXX I followed up with the lender ( bridgecrest ) regarding an update. On XX/XX/XXXX they informed me they just sent the documents required to the gap insurance for payment and that would take another 20 days to process. In the interim on XX/XX/XXXX I received an email from one of the added service providers ( XXXX  ) concerning they refunded to Bridgecrest {$2800.00} for the service contract and GPS contact I had. XXXX informed me that the gap insurance would cover any balance remaining after their refund was applied. With the check from my insurance, and the refund from XXXX the company still charged off {$8300.00} to my credit report without a final statement or any other accounting being made. No gap insurance was applied ( even though they were paid at the very least through XX/XX/XXXX ). I requested this from them but have gotten no response.

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 2019-02-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I have a debt with Navient Dept. of Education because I had a deferment and I divorced an moved to a different part in PR. During that period they use Debt collectors to find me. XXXX XXXX has now my account but they give it to XXXX. XXXX is asking me to make 9 payments of {$5.00}. They asked me for information that I am not willing to give since I am able to pay monthly to Navient. I asked them to please return my account to Navient or XXXX XXXX so I can start making my monthly payments but they refuse. I even tried to tell them that I can pay the {$45.00} dollars in one payment to make this fast and they refused. I am able to make the monthly payments to Navient again ... I don't like people asking me and harassing me with calls if I don't agree with them with a reason and it should be another company ( XXXX XXXX ) the one contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Debt Collection reached out to me from complaint XXXX. In their communications they do not give a mini-Miranda and claim even though they are a debt collector that they do not have to say This is an attempt to collect a debt, any information obtained may be used for that purpose I have attached a copy of their letter and I find them to be dishonest in their conduct. I am requesting that you please reinvestigate them for improper conduct under The Fair Debt Collections Practices Act and with CFPB standards and Practices. 

They also say that this item is in litigation to the CFPB/FTC when it is not. No lawsuit has been filed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CA

Complaint narrative:
Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
They are calling my cellphone. I ride a motorcycle. My headset answers calls automatically so my family can reach me. I can not hang up without pulling over. The distraction is most dangerous. 
I have not been able to talk to a human at the company ( gulf coast collections ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have already spoken to a PayPal Credit representative and informing them that payment would be made on XX/XX/XXXX2019 ; therefore I should not continue to be harassed regarding payment. Because I did not allow them to schedule the payment via their system I have been called incessantly for days and told two other  reps that I have already spoken to a Paypal rep who was supposed to have notated that I would make payment on XX/XX/XXXX ... yet the calls persist. If this continues my next step is to contact my lawyer to seek legal remedy.

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 2019-02-20 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: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!

Company response to consumer: Closed with explanation