vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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: TX

Complaint narrative:
I purchased a XXXX on XXXX XXXX using my Synchrony Bank, XXXX store card. The camera was defective and I returned it via XXXX on XX/XX/XXXX. I have a receipt from XXXX reflecting this and it clearly shows on their website when searched using the tracking number XXXX. A credit was posted when XXXX received the shipment. In XXXX the credit was reversed. I reached out to XXXX twice and both times the rep stated that the item would be researched. I never received an email back or any form of response. Frustrated with XXXX, I then disputed with the credit card company. I provided copies of the XXXX shipping receipt that I received when I dropped the package off in XXXX. They placed a provisional credit. Then around XX/XX/XXXX they reversed the credit and sent me a letter stating that XXXX said that they did not receive a shipment back with the tracking number listed above and that I need to send proof that it was shipped. I have no other proof that the XXXX receipt and the evidence of the shipment back being received by XXXX warehouse in XXXX, KY. I am being defrauded of XXXX, I believe someone in the warehouse stole the contents of the package. I should not be paying for XXXX shrink. XXXX arranged for the return and has a relationship with the carrier therefore shipping terms should be FOB shipping point. In XXXX I placed a total of XXXX orders and XXXX XXXX orders. I am not financially hurting, I have paid little to no interest to Synchrony because I am financially secure enough to pay off my balance and capitalize on 5 % discount when using their card. I do not need to steal or lie from XXXX or anyone. But apparently XXXX needs to rob customer when items go missing between XXXX and the return dock and Synchrony assists since they blindly accepts XXXX word and not take the time to review evidence of check tracking number.Lesson has been learned to not buy electronics or items costing over {$50.00} from 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 2019-03-07 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: TX

Complaint narrative:
On XX/XX/2019 I submitted a request to Transunion for them to update and investigate inaccurate information from XXXX XXXX that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that Transunion is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter

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 2019-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX : The Money Source Loan number : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Good morning, We're submitting this complaint for the purpose of asking your assistance in dealings with XXXX, surrounding our loan Modification request. 

We began our conversations with XXXX on XX/XX/XXXX and submitted all requested documentation shortly thereafter. Documentation was received, by them, on XX/XX/XXXX. 

Since that time, we've been dealing with XXXX XXXX - who informed us that SHE was our single point of contact ( untrue ). Her extension is XXXX. Over the course of the last 30 days, XXXX has told us that Underwriting had questions regarding our XXXX XXXX XXXX and supplemental Letters of Explanation. 

On four separate occasions, we were asked to resubmit the same documentation. ( at XXXX 's request, her saying that it was Underwriting asking for the updates/with no clear explanation ) It wasn't until last week, when we had an opportunity to speak with a different individual, that we were told exactly what the issues of those documents war. We took immediate corrective action and submitted those documents 24 hours later. 

Our next follow-up call, with XXXX, brought us the same results as the previous for conversations. Again, she insisted that Underwriting needed an explanation on the documents that we had repeatedly explained to her, over the phone and in the detailed Letters of Explanation. 

Yesterday we had a conversation with XXXX, extension XXXX, and again, we were told that there was a request for an explanation of our XXXX XXXX XXXX, our most recent bank deposits, and the Letters of Explanation, surrounding our lease agreement. ( We currently do not have a lease agreements with any subletters ) After explaining everything to her and her actually taking the time to look at the documents, she agreed that what we've provided is satisfactory for the individual who is - SETTING UP THE FILE TO COMPLETE IT AND THEN SEND IT TO UNDERWRITING. 

This means that our file has been pending set up approval for 30 days and Underwriting has yet to see it. 

It's painfully clear to us that XXXX is actively working to willfully mislead us and break our spirits. This is a very sizable loan and the value of our home has gone up, since we purchased it. 

We are requesting that you step in and demand that they take corrective action and move our Modification request through the process in a timely manner. Our mortgage payments are in excess of {$5000.00} per month and every month that goes by, the fees and penalties add up in a tremendous manner. I've attached copies of the notes from every conversation that we've had with them to this Thank you for your help with this! 

You can speak with my wife XXXX XXXX XXXX. She is also on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX  is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.

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 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
on XXXX I contacted Transunion to try to explain XXXX XXXX XXXX and XXXX XXXX XXXX card statement printed on XX/XX/2019. 

my credit limits were increased to XXXX from XXXX XXXX  XXXX and XXXX from XXXX XXXX   XXXX on XX/XX/2019. 

previously they were XXXX at XXXX XXXX and XXXX at XXXX XXXX I contacted both XXXX and XXXX customer service on XXXX both state transunion should have both statments. for your reference I attached both statements for the two accounts in question and Tranunion should update my credit reports, Transunion is refusing to update both accounts I find this inexcusable that Transunion is not doing there due diligence to resolve this

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I discharged a debt for XXXX XXXX through bankruptcy as a result of identity theft. The debt was charged off and the bankruptcy was dismissed. I am assuming Portfolio Recovery has purchased this debt and is attempting to collect. They have harassed my continuously via phone, email and as of yesterday not my place of employment. I have contacted them via mail to let them know this is not my debt and they still continually harass me. My work is off limits. I work in a hospital and am unable to receive calls and now they are robo calling the nurses line. I do not want to speak with them directly because they do not listen. I need help to stop this unwanted harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
A collection has been put on my acct from AIdous and Associates have no knowledge of this acct nor did I receive anything for this debt to be validated I have never even been to a XXXX XXXX  this needs to be removed ASAP. I have worked hard to get my credit together after al the isnt thwft and refuse to allow something fraudulent on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion decreased my credit score by16 points on XX/XX/2019 for no valid reason.

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX Associates never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and XXXX ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
From to XXXX to XXXX I was not enrolled in an income based repayment plan in a loan from Navient, which in my opinion would have been the optimal choice for repayment given my income situation during those years. There may have been better options than the aforementioned but I was steered towards deferment and during those years had a total of {$4600.00} of interest capitalized in the loan. I believe there was inadequate explanation on loan policies and repayment options. This financial strain has not only impacted my life, but now the lives of the people I provide for including my wife and daughter. On my current repayment plan I will have pay over {$20000.00} dollars on a loan in which the original borrowed amount was {$9900.00} to which I have already payed over {$8500.00}. I called Navient recently and asked for help to which the only answer I received was that I needed to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX myself ( and I'm sure other members ) received an email from USAA stating " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. This information is for your awareness only and you do not need to take any action. 

About your restitution payment You will receive a restitution payment of {$180.00}. Affected members with an active USAA Bank checking or savings account will receive a direct deposit into their account. Members who no longer have an active account will receive a check. 

This payment is being provided in accordance with the terms of the consent order issued by the Consumer Financial Protection Bureau on XX/XX/XXXX. The amount of the payment was determined in coordination with the CFPB. 

Timing for your payment We will be working with the CFPB on the restitution process in the coming months and while we can not provide an exact date for providing restitution payments, please know we are making every effort to get this payment to you as soon as possible. '' This is going on the XXXX month and I still haven't received payment. I've spoken with managers and someone in the CEO 's office about this ( and related to another open CFPB complaint ) and was stated they were trying for XX/XX/XXXX. The delay I'm sure is due to the XXXX dollar fine they had to pay recently on another case, but nonetheless it shouldn't take 3 months to pay what you guys ordered them to. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My complaint is against Citibank Credit Card. I have a credit card for XXXX XXXX and was paying as agreed until my husband lost his job and I decided to enroll in a debt management program with XXXX to help me pay off all of my debt. for 5 months XXXX has been sending Citibank, proposals requesting them to lower my payments but they are not responding. They are being sent what the proposed payment should be but they are continuing to report the payment as " partial and continue to add late fees and reporting negative info on my credit report. 
I have called them and was given the information to send the proposal and even authorize XXXX to contact them on my behalf and they are not responding. 
Unfortunately, at this point I am frustrated by their lack of interest in helping customers in my situation. I have all the intention to pay and they are not helping.

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 2019-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019 I made a payment to Paypal. At that time the Representative mentioned they had my information on file when i requested it be removed. The Representative mentioned two bank accounts which I used without me providing any information. I requested a manager. At that point in time I made my payment and returned to the issue of my information being on file.

I was told it was not on file. I explained what had been told to me. I was assured again that it was not on file. I requested information to file a regulatory complaint. I as told I could only file a complaint with Paypal.

After disconnecting I called back. I asked to make a payment, I was told none of the information could be seen after a long pose when the agent read the note. I asked if the agent was reading the note from the previous manager. I was told she had not read it yet, but could see a note from my previous call. I requested a manager. 

I requested information to file a complaint and asked for a credit due to the hassle. I was told that both issues had to be researched and would be given a call back. I received a call back and was told the legal department did not have the information for either case. This was the last time I heard from Paypal. They have not contacted me either by e-mail or phone with any further information, leading me to believe they wished for me to delay in researching how to file a complaint on my own until I had forgotten about the issue.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
When payment was sent to walmart mastercard on XX/XX/XXXX18 in the amount of XXXX the payment was applied incorrectely to the zero interest rate promotional balance instead of the higher interest rate balance and when contacted I was told the payment would be corrected, however a month later I received a new statement and a letter detailing federal regulations regarding payments and how they are to be applied. These regulations were not followed and my payment was not applied to the balance with the highest interest rate. Instead the payment was applied to the balance with 0 interest rate and the balance with the highest interest rate remained on my account, which continued to accumulate interest monies for the credit card company. I think that walmart is in violation of these federal regulations and owes me the interest accumulated due to this act. I spoke with them once again and I was told that they could not correct the payment applied to the correct balance with the highest interest rate and in my opinion is clearly in violation of the law ( regulations ).

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