vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Care Credit service continues to send billing statements and emails to me on a debt I do owe. The Arizona State Attorney General reviewed the false charges and sent a letter of decision in my favor. Information was sent to Care Credit and Synchrony Bank who has the account. I have tried several times to get this resolved with XXXX XXXX  and Synchrony Bank and they continue to harass me with this false account. It was for a set of dentures from a dentist, I never received the partial denture and do not want it. I cancelled the order with the dentist and Care Credit will not honor that 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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: IA

Complaint narrative:
To Whom It May Concern : I opened up a XXXX XXXXXX/XX/XXXX. I paid a deposit of {$360.00}. After a short period on the XXXX plan I realized their service was not acceptable. I decided to return to XXXX. On XX/XX/XXXX, I went to the XXXXXXXX  location in XXXX XXXX XXXX Iowa and returned the device. I was within the 14 day grace period for cancellation without penalty. I also spoke with the XXXX rep, I believe her name was XXXX and told her I no longer want to be a XXXX customer. I explained to her the situation and she said that she understood and apologized. My daughter who is in college in California also returned her device on XX/XX/XXXX. I told the agent to discontinue my service and I ported out the ONLY 3 lines that should have been activated. Documentation is attached At this point, I believe I did my part to end my contractual obligation with XXXX. I also was expecting a refund of the deposit I put down. Which I have not received. This is the second time this has happened to me with XXXX 

XX/XX/XXXX, I noticed a collection on account from Amsher Collection Agency. I didnt receive any correspondence from XXXX prior to the collection that was placed on my credit report. After I investigated the situation further. After I told the rep I would like to cancel my service and ported out the only 3 lines that should have been activated. XXXXXXXX  continued to bill me for 2 lines of some random numbers and services. The phone numbers XXXX, XXXX and XXXX XXXX are the ONLY numbers that should have been activated. The customer service rep DID NOT communicate that there was any other important information. So I was oblivious to the whole situation. When I reached out to XXXX they told me my account was closed and sold. Therefore, they could not provide any information. However, when I spoke with XXXX they told me that XXXX still owned the account. Im extremely frustrated. I didnt receive my refund and I have a collection debt that I do NOT owe. I believe this a predatory practice as I have spoken to several other customers who XXXX  has taken this action toward as well. Lastly, I have provided proof of the return of lines and random lines. I would like support with removal of this collection account as well as any other legal action I can take toward 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 2021-10-11 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2021 Citi closed my credit card account ( account number XXXX ). Before closure there was several hundred dollars worth of rewards cash back that was met through normal card spend in accordance with the card 's terms and conditions. Upon account closure none of this cash back was accessible or redeemable. As of the time of submission for this compliant, I have still not been reimbursed or otherwise given the cash back earned and accrued while the account was open and in good standing. Attached with this complaint are the two most recent statements, showing the cash back before ( {$680.00} ) and after ( {$0.00} ) account closure.

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 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper home loan company refuses to take my payment over and over after we took a covid 19 payment forerance XXXX I started back on payments in XX/XX/XXXX where they would only take a portion they told me only of XXXX of regular payment amount which was XXXX my loan payment is XXXX normally so that's what I did for three months on time. I was told after 3 payments this way they would work with me and refinance to terms for covid 19 relief. I was then given papers to refinance my home in a 40 year loan vs my 20 year loan at same rate which is higher than average interest rate and I didn't want a different amount of years in loan we are already in. I was told by the legally they won't refi my loan or any other servicer for 12 months. My husband is XXXX and I'm XXXX on ssdi since XXXX. I then was very upset they told me this was all they could do and I need to sign it I did not I wanted the amount to be put on back end of loan only or refinance with options for terms and less interest charges. I was very upset and made calls to an Mortage loan office that I have used in the past and was told how they can't do what they are they durning this time gave me no access to online loan details nor was any of my calls going through. I got through to a division of Mr Cooper that deals with issues with consumers and I basically told them you are lying and giving misleading and inaccurate information and making me feel I have to do something that is not what I see nor read about on covid 19 Mortage relief per the government. I was after hours of research able to find out that I need to go to my original payment amount and pay 3 payments on time and I can refi with a FHA or Va loan. My husband is also a veteran but we have a conventional loan at this time. So after knowing this had to call back Mr Cooper stated all the information I had learned telling them how fraudulent there are being and how unlawful there practices are being because again they would not take my payment finally got a representative from Mr Cooper to force my original loan payment for 2 months XX/XX/XXXX and XX/XX/XXXX. I said I would call re the XX/XX/XXXX just to confirm what date to process payment and they didn't want to take it again with out full amount due including payments missed from covid 19 relief or nothing again had to spend hours being transferred to person to person when someone forced payment through.. this has been very stressful and time consuming I feel like I've been lied to over and over for there benefit reguardless of the law please help I would like to get into HUF program when available for the past Mortage and to be given truth from these companies and help not taken advantage of for there own financial gain...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by XXXX XXXX XXXX XXXX XXXX ( a collection agency who purchased someone's debt from PayPal ) regarding a delinquent PayPal credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from PayPal credit from XXXX with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.

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 2021-10-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I am at work during the day and I have asked for western finance to call after XXXX XXXX  and they continue to call throughout the day leaving several voicemails and contacting my references ( daughter ) and giving out my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT XXXX  XXXX  IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA. 

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.XXXX  XXXX {$1900.00} 2..XXXX XXXX  {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I got the loan in XX/XX/2021 XXXX payment was due XXXX. I started paying XX/XX/2021 and continued to pay ahead. Every payment I would call and say please put the amount or the extra amount on the principle and they told me they would but they never did. I want the money paid ahead to go towards my principle. In XXXX a fee on my Statment says UNPAID TAXES/OTHER no one can tell me what it is for and I want it removed.

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
The company account resolution services failed to validate the debt I asked for validation not verification

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 2021-10-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express Credit Card Account ending in XXXX and Business Name : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reference Number : XXXX Transaction Amount : {$530.00} I have submitted two dispute claims to American Express with proper and supportive documentation to prove that XXXX XXXX XXXX incorrectly billed me for services. XXXX keeps sending the same incorrect information to Amex who seems to take it for face value without realizing the discrepancies stated by this hotel. This results in Amex making me responsible for the amount in question twice. 

-In the American Express XXXX Statement, the hotel first stated that I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. That was their first false claim. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. 
-The statement I submitted from XXXX clearly indicates that I made a reservation for 1 room for 1 person from XX/XX/XXXX to XX/XX/XXXX. XXXX. The room description is indicated in the copy I submitted and that this reservation was paid in advance as indicated in my XXXX XXXX credit card statement ( I redeemed my 1-night points as a valued customer of XXXX to get that fee ). 
- A second false claim submitted later by the hotel states the wrong customer name and that I stayed in their hotel a total of 4 nights : from XX/XX/XXXX to XX/XX/XXXX. The hotel must have made a mistake with the reservations and billed me for the wrong dates. 
- I have submitted documents in my second dispute that after staying the one night in XXXX, I went to another hotel that I had already booked in advance to join my party. I submitted the reservation from XXXX and the receipt from the other hotel stating the checked-in date as of XX/XX/XXXX and the check-out date as of XX/XX/XXXX. This was also paid in full in advance. I couldn't be in two places at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: CA

Complaint narrative:
MOHELA/DEPT OF ED Contact XXXX XXXX XXXX XXXX, MO XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$7200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are multiple unauthorized inquires on my credit report. Pursuant to U.S Code 1681b ( 2 ). Permissible Purposes. Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The following is a list of unauthorized/ unrecognized inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
Around XX/XX/2021 There was a debt added to my credit report in the amount of {$1900.00} from Diversified ADJ SVC, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I sent my Identity Theft Report to them on XX/XX/2021 because I did not recognize the alleged debt. I received back a letter from XXXX Fraud Management stating that they have completed an investigation and have denied my notarized Identity Theft Affidavits, forms, and identification that was sent to Diversified ADJ SVC originally. 

On XX/XX/2021, I responded to XXXX Fraud Management challenging the accuracy of this record and asked for them to send me proof that this account was opened under my SSN and not an EIN. I asked them in writing that if they could not produce said documentation that they remove this item from my credit report immediately. 

On XX/XX/2021, I received the same letter back from XXXX stating they denied my claim. 

This debt was not established by me under my social security number. XXXX is choosing not to submit to me the required documents that are related to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASS Contact XXXX XXXX XXXX XXXX, VAXXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$450.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion refuses to take an online dispute, have me call there service # and they put me on hold, i waited 1 hr never picked up.tried later same thing.

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
Talked to Medical Data Systemns around XX/XX/XXXX. Asked them if I pay off acct. could they delete medical collection from my credit reports? Oh yes she said. The credit bureaus will have deletion letter by XX/XX/XXXX. I call all XXXX credit bureaus around XX/XX/XXXX no they have received anything. I called XXXX well I sent it the supervisor XXXX says. Call XXXX  again 3 more times no they have not received anything.Finally filed a dispute against them they reported back to bureaas account was not paid. It showed a XXXX balance for a couple of days but then reaapeared.And it showed the total amount. that I started out with {$7300.00}. I attached a copy of bank statement proving it was paid on XX/XX/XXXX. I paid payments on acct. for all of XXXX up until XX/XX/XXXX {$200.00} a month. Balance started out at {$7300.00} and got it paid down to {$4700.00} when it was paid off. I want this removed from my credit reports immediately exactly like they promised. Why are they fooling around with people 's lives like this? I am trying to get a mortgage and this is the only thing holding me back. I am going to get in touch with XXXX XXXX XXXX the originial vendor. We will see what they have to say. I so desperately need help. They are just making me go around and around like they are playing a game, Please help me?

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX XXXX CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I was turning my lease in for a new lease and the dealership told me that they would cover the old lease payments because I was buying a new car. They did a lease pull ahead with me. Ford Motor Credit reported this late on XX/XX/2021. I have never been late on this account and this was not supposed to be marked as late as I turned the car back in and they told me that I was no longer responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The Title sent to me said I owed XXXX dollars. From the XXXX XXXX they sent me is full of incorrect information. The beginning balance was XXXX dollars. From XX/XX/XXXX the balance remained the same after being paid Each Month until XX/XX/XXXX. XX/XX/XXXX when balance changes. Then there are months of without them recording my payments. Then the XXXX XXXX charges, late fees, that Never Happened. I always used Debit Card. This is Fraudulent Accounting.

Company response to consumer: Closed with explanation