vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: TX

Complaint narrative:
cra violation sent po report and ftc violation of my right inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
A student loan in my name was originated with XXXX XXXX, then was transferred to Navient without disclosing the terms of the loan. XXXX XXXX charged and changed my interest rates from fixed to variable interest with out my permission. Request accommodations made under the XXXX XXXX XXXX act. Spoke with representative XXXX XXXX and she did not give any options, she stated on record that the Navient Account is 549 days in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Got took for a ride on a charge card with XXXX repair shop, ,bank synchrony over 3times nearly denied XXXX, XXXX  access, '' the actual right '' to use illusory purported credit line they said I had if {$2500.00} on several occassions even gas too.by doing this truth n lending, bank laws Federal Statutes many other il constitution state law statutes have been violated for things such as greed, during periods repair shop whatever they name had my car the bank cancelled my credit out with XXXX repairs, worseser trans n and new issues new strange noises etc, plus cheap parts refusal to repair it 88 percent where at least customer can't tell what's what usually how a repair should be done.u can't tell things were broken my car wonce strong runner promised steep RADIATOR notjing garbage aluminum radiator promised new steel one then bank tryed using the fact XXXX potholes caused it as a defense also garbage the banks threatening the old man but..their the partners n crime .I made a Whistblower report in his name n the bank right away threatened him lol..deep in shouldn't have to pay For racism discrimination I'm lending n availability of funds when getting my car picking it up but I'm.am so it's really XXXX, shut this bank down for much years of scamshish, fraud deceptive practice vs XXXX XXXX XXXX XXXX XXXX XXXX all bank reps foreign engaging n lies '' customer did this n that we didn't do*their cancelling threatening credit cuz they mad we report XXXX XXXX XXXX  synchrony was told today " I didn't have to give car back '' but..I told him XXXX XXXX XXXX   before I arrived cuz if banks XXXX, a lady use to check on me about car alot them I'd get a threatening call but she stopped she waived the rear end job XXXX {$800.00} n I'm disputing the radiator job, loss of strange horsepower, talked into keeping my car many days then, got it back broke down strange sounds I'm not paying XXXX $ for XXXX, radiator n XXXX shocks

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 2018-03-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
cra violation sent po report and ftc violation of my right inaccurate information

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 2018-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation sent po report and ftc violation of my right inaccurate information

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/2017 Statement attached. I never signed up for Debt protection nor had I ever noticed being charged in varying amount ( XXXX dollars ) over the many years I have had it. 
They sent me a letter telling me that i could cancel it but could not get a refund because I had signed up for it. I never signed up for it. I never would sign up for such a thing. They offer no proof because it is simply not true and this seems to be a common occurrence. Best buy also runs you around saying its not them or citi bank. That it is a third party company which is all just a run around. 

This is stealing down to its core.

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 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC
State: AZ

Complaint narrative:
I received an interim report and answer of garnishment for a debt that does not belong to me and is name on the case is not mine. The garnishment is another state and court of another state not of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. 

I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. 

The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. 

It is YOUR job to enforce the laws. DO IT! 

Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. 

But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore 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 monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX I contacted Wells Fargo for the purpose of trying to renew my current loan modification that would come due in XX/XX/XXXX of which Wells Fargo told be in XX/XX/XXXX I would be able to renew again in XX/XX/XXXX. I was assigned a representative from the Executive division named XXXX XXXX who assured me that Wells Fargo would give me a decision well before the XX/XX/XXXX maturity deadline so that I would have time to seek other options if needed to pay off my loan with Wells Fargo in time. Six days prior to the maturity date, Wells Fargo finally gave me a decision. They stated that since I already had a loan modification, I was not eligible for anymore. The only option they gave me was for a short sale through their department. They then transferred me to their refinance department to seek options there. I was told that the earliest closing date I could get would be inXX/XX/XXXX which is well beyond the maturity date of the original loan. Wells Fargo did not give me any time to have a different option available to me in order to pay them off as they said they would. Also, my coupon slip for my loan only shows a monthly payment owing for the XX/XX/XXXX, date and not the entire balance. My Wells Fargo online account also shows the same thing. When I attempted to make a payment at a branch, they would not accept payment from me even though the payment slip shows only a monthly payment owing. I have a statement from a loan officer at the branch stating that Wells Fargo did not accept payment. I have also attempted several times online to make a payment without success. Because of them not accepting my payment, my credit score has recently gone down XXXX points for 30 days late payment. I am currently in dispute with Wells Fargo about them not accepting payment from me, not giving me adequate time to set up financing after they reached a decision through their executive division, not giving me a written explanation as to why my current payoff amount is approximately {$18000.00} dollars more than the amount stated I would owe in the signed loan modification agreement dated 4 years ago, and reporting me 30 days late to the credit bureaus which have affected me greatly.

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 2018-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Paypal, Paypal Credit, and XXXX XXXX XXXX, has failed to provide credit so I can make purchases on XXXX, the option to pay later has not been offered to me so I can receive it. Pay pal Credit has not verified my XXXX credit report nor have they called me about credit. 

Pay pal has not paid its judgement to me because Pay pal violated my human rights, financial rights by failing to provide annual error-resolution notices and monthly account statements under the Electronic Fund Act. Settlement can be viewed as not paid at XXXX Spoke and have statements from Paypal Counsel, XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank refuses to refund {$96.00} yet acknowledges the fraud by cancelling my debit card. 

My situation falls into " billing error '' category and fraud category. I got overcharged and received a different item than ordered. 

On XX/XX/XXXX I purchased a pair of leather XXXX sandals for a total of USD XXXX through a " XXXX '' website XXXX On XX/XX/XXXX {$96.00} ( XXXX + XXXX intl. fee ) transaction posted on my account that originated in XXXX and was connected to a private hotmail account where the purchase confirmation came from. 

Santander should have had an alert in place for charges coming from XXXX, XXXX, XXXX and other countries known for scams so I could refuse it but they failed me as a consumer. My XXXX card blocks such charges immediately if I don't tell them explicitly that I travel or plan to purchase abroad. 

Called Santander to report fraud and gave them details. They immediately cancelled my debit card and initiated a refund claim. 

I contacted the seller but got no response. Instead, I received cheap fake leather sandals, completely not the ones ordered and not worth {$5.00} let alone {$93.00} and again silence from the scammer seller. 

After I e-mailed him that I'd report him as fraud to my bank and an appropriate XXXX entity dealing with imposter " XXXX '' websites, the scammer wrote that the warehouse made a mistake and offered a {$9.00}! refund so " I don't have to pay high shipping charges for sending the shoes back '' even though he shipped the wrong ones. How much scammier than that can it get? ( see the attachment ) When I demanded full refund and told him he would have to pay for shipping the shoes if he wants them back, he stopped responding. 

However, since I got a replacement card, even if the scammer was willing to refund me, he can't return the funds to a cancelled card and I'm not going to give him my new debit card info. 

Even though I informed Santander about the issues I'm having with the merchant my refund claim was rejected twice. They wrote me to resolve the issue with " the merchant '' being well aware that I was already in contact with him trying to unsuccesfully recover the funds from a fraudster. 

Santander claims to protect their customers from scammers but they obviously do not care and do a very poor job letting international charges from XXXX clear. My claim was frivolously and unjustly rejected.

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2017, I was offered a promotion by a representative from American Express ( Amex ) during a phone call. The promotion was about adding additional authorized users ( additional cards ), and I would earn XXXX Membership Reward ( MR ) points after {$500.00} purchase of each additional card. Up to XXXX MR points in total. I accepted the offer and added 4 additional users to my card. The whole process was monitored by a supervisor of the representative, and they ensured me that they would keep this in mind and if all of the additional cards hit the {$500.00} purchase requirements, they would credit the XXXX MR points to my account. They especially guaranteed this because the offer was initially removed by a representative by accident without my permission, but they manually added this offer and the supervisor promised me that he would honor this promotion. 

All of my additional users spend more than {$500.00} by XX/XX/XXXX this year, but the MR points have not been credited to my account after a few weeks. Therefore, I called Amex multiple times and even reached out their supervisors several times, but they seemed to know nothing about the " promise '' the supervisor gave to me ( he previously said he had put notes to my account to honor the promotion ). Thus, Amex agreed to set up a case for investigation. However, in XX/XX/XXXX, the case was still pending. It has been more than 6 weeks since I first contacted them about this issue. 

Importantly, it is not something difficult for Amex especially when my conversation with the supervisor on XX/XX/2017 is recorded. I feel helpless and depressed because Amex first gave me the promotional offer and guaranteed that the offer would be honored. Then, when I met the promotional offer, they started to shirk responsibilities. Customers are always in a passive role, especially in such situations. I really want to Amex to go ahead and check to the conversation record and honor the XXXX MR points. Keeping promise is an important policy for any merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was contacted by XXXX in XX/XX/2017 attempting to collect an amount of {$110.00}. I advised the lady call I did know who that are an as far as I knew I did not owe them any money. The lady was told by me to provide me proof of the debt in the form of an contact or signed document that I entered into the debt an would happily pay the amount if I owed XXXX the {$110.00}. She stated that she did not have any document of this type. I informed her that would not pay the {$110.00} until someone could prove to me that I owe this debt. Then in XX/XX/2017 I received a letter from XXXX XXXX XXXX. A letter was sent to them stating that I do not owe this debt. This debt appeared on XXXX and XXXX  credit reports. The refuse to remove this item from the credit reports, but them still have not provided proof of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
I had a mortgage from American Pacific Mortgage, but they sold it to XXXX XXXX in XX/XX/2016. Since then, I make all payments to XXXX XXXX. I just got a notice from American Pacific Mortgage in the mail which says : " We would like to discuss your American Pacific Mortgage loan. Based on current records, you may be eligible to refinance your current adjustable rate mortgage with no application fees and no appraisal fees. '' On top of this very misleading message, I've never had an adjustable rate mortgage. 
This is trying to get me to refinance by scaring me about a mortgage I've never had!

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 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I received two refunds onXX/XX/XXXX from XXXX XXXX thru PayPal.

The funds from the refund for {$41.00} was immediately made available. That balance was actually used towards a replacement order onXX/XX/XXXX Another {$370.00} was withdrawn from my checking account. The refund of {$400.00} shows as refunded but the funds have never shown back in the PayPal account. Account balance is {$0.00}.

XX/XX/XXXXI noticed the {$370.00} withdrawal from my checking. I did not understand why, so I called PayPal on the morning of the XXXX After navigating their auto phone maze, I spoke with an Agent. I asked why funds were taken when they still owed me {$400.00}. First he said I used it against the purchase onXX/XX/XXXX. Then put on hold for while, came back and said it takes 5 to 7 business days. I pointed out that I received one of the refunds that was processed the same time. He remained with 5-7 days, and would not explain why.

XX/XX/XXXX, day 7 I call again, after the two minute hold this time I was told that XX/XX/XXXXhadn't completed their transaction, so my refund hadn't been processed. I asked why would or how your system know there was a refund if XXXX XXXX didn't notify you?. Put on hold 7-10 minutes. Upon return, I will need to transfer you to a specialist.

I hung up. I decided to try the website, sent an email, received a caned response and then a second response : Good day. Thank you for contacting PayPal about your transaction.

I'm unable to determine what transaction you are referring to. If you are pertaining to your transaction with XXXX XXXX XXXX   I regret any confusion and inconvenience this delay may have caused. We have identified a technical issue that the refund was completed but still pending on receiver 's account.

I have noted that your account has been affected by this and will pass on the information to our technical support teams who are working on a solution in a quickest possible time.

I humbly ask for your extended patience and understanding.

Thank you for being a valuable member of the PayPal community. Take care.

Sincerely, XXXX Consumer Support PayPal Copyright XX/XX/XXXX PayPal. All rights reserved.

XX/XX/XXXXI have called everyday sometimes I get to the specialist, never a manager. All have assured me my funds will be released in 1 to 24 hrs. Nothing has changed, I was given a ticket number once by, and on subsequent emails I have sent in response to their emails doesn't match.

I believe eitherXX/XX/XXXX the Agent had me try to file a dispute thru my PayPal account. I could not dispute the original purchased, since it had be refunded. And I could not get the refund dispute to accept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed An ID theft report with Equifax well over six months ago and equifax cleared up issues regarding two accounts that were showing up on my credit file that were not mine. Unfortunately, today, I discovered that those account have reappeared on my report after over six months of disappearance. Not only has this negatively impacted my credit report, but it has also pointed to a greater problem with equifax data systems. 

These two credit card accounts listed from XXXX are not mine and are the result of fraud. XXXX has confirmed receipt of my ID theft report before and they took measures to remove them from my report. These accounts need to be deleted permanently and immediately under my rights according to the FCRA. 

Also, there is an inquiry on my equifax report that is the result of fraud and I did not initiate this at all. XXXX says that i need To have equifax to delete this inaccuracy

Company response to consumer: Closed with non-monetary relief