vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
End of XX/XX/2019 I applied for an American Express card to do a balance transfer. The first balance transfer was for XXXX from my XXXX credit card. The second amount i transferred was XXXX from my XXXX XXXX card, because the interest is so high. I get a letter on XX/XX/2019 saying my balance transfer was a success and the letter showed to whom the balance transfers were made. As I was looking over the letter i noticed they sent the XXXX to a XXXX XXXX and not my XXXX XXXX card. I do not have a credit card from XXXX XXXX. And to top it off the XXXX that i wanted to be transferred from my XXXX XXXX is still on my XXXX XXXX card. I called them and they said that yes they did in fact make a mistake and it would be taken care of and would show on my next statement which would of been XX/XX/2019. Well it wasn't. I have made 3 more phone calls to them and the XXXX is still on my.statement.I contacted the XXXX XXXX XXXX  and I received a letter from American Express saying the transfers were made correctly and they requested this money back from XXXX XXXX but it can take up to 180 days. What?? Not only is the XXXX on the American express card statement but I also have the XXXX that was supposed to be transferred from my XXXX XXXX card is still there. This amount on the American Express card is showing up on my credit report and i keep getting a bill for this amount. i am not paying this amount and it is going to ruin my credit and everything else. I am going to be charged interest and probably start getting calls they want this money. Please help? They are not trying to rectify this mistake that was made by them. i canceled this card on XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 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: DISCOVER BANK
State: DE

Complaint narrative:
I HAVE BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter for Eqifax and also I have faxed a letter with my id and ssn card photo on the top of the letter and asked to change of my address and removing the wrong address also I asked to remove the hard inquiry that is not belonging to me and I explain for them that is not from me and they didnt remove it also they have my name wrongs. 
Because of the false and wrong reports Equifax caused me a lot of problems and effected on me as a XXXX XXXX and also effected on my Childrens life Equifax preventing me to grow on my financial life thats effected on my family as well. 
The personal statement that Equifax is reporting to any creditor it caused me to not having any credit card or any loan to make my families life easier! Im wondering why??!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On several occasions Ive called this company about them reporting this account on my credit files. The account does not belong to me and my name has been falsely used for the account. The company sold it to a new company and now they both are repointing on all three of my credit files. I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have 2 XXXX Care Credit credit cards through Synchrony bank. I charged a repair on both cards ( 2 separate transactions ) under a 12 month promo. The promo was somehow removed from both of my accounts by Synchrony, so I have been charged interest each month on both cards. 

I have called, my husband has called and I have emailed Synchrony several times to have the promos put back on and the interest taken off of both cards. I have sent Synchrony the XXXX paperwork showing the promos. Moreover, the Reps have found the promos in the system, so there is no debate on whether or not the amounts and the promos are correct. We have both been told several times that this issue would be fixed on both cards ; however, several months later, it still has not been fixed on either card. I have been dealing with this for over 10 months! 

Card 1 was charged XX/XX/XXXX for {$XXXX} and card 2 was charged on XX/XX/XXXX for {$XXXX}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE NOTIFIED THE CREDIT REPORTING AGENCYEXPERIAN THAT I AM THE VICTIM OF IDENTITY THEFT ON 4 SEPERATE OCCASIONS AND THE ACCOUNT REMAINS THE CREDIT REPORTING AGENCY EXPERIAN IS IN VIOLATION OF SEVERAL FCRA LAWS I HAVE SENT SEVERAL DISPUTE LETTERS VIA CERTIFIED MAIL AND ALSO SENT AN FTC IDENTITY THEFT AFFADAVIT I AM PREPARED TO TAKE LEGAL ACTION VARIOUS DATES OF DISPUTE BELOW XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from Capital One and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This is not my account and was previously deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from Chase, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I paid a settlement with Bank of America several years ago and they have recently tried to take out a garnishment from an old bank account I no longer use, this debt was settled a long time ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I request that BULLCITY FINANCIAL SOLUTIONS formally substantiate account data BULLCITY FINANCIAL SOLUTIONS conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified BULLCITY FINANCIAL SOLUTIONS XXXX {$XXXX}. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak BULLCITY FINANCIAL SOLUTIONS desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX HSBC bank at the behest of XXXX XXXX XXXX XXXX XXXX has completely frozen my account. According to The Exempt Income Protection Act of 2009 If any funds are restrained, the bank, within two business days after receipt of the restraining notice or execution, exemption notice and exemption claim forms, must serve upon the account holder the exemption notice and two exemption claim forms by first class mail to the account holders last known address. The exemption notice explains to the account holder that the account has been restrained, that certain types of funds are exempt and the procedures for releasing an account, including the types of documents that will be helpful in demonstrating the existence of statutorily exempt funds. 

As of XX/XX/XXXX such documentation has not been provided to me. 

More importantly the first {$XXXX} in an account can not be frozen. 

The new law creates a {$XXXX} cushion for debtors who don't receive government benefits or assistance. In particular, the law prohibits banks from executing, levying, attaching, garnishing, encumbering or restraining an amount equal to or less than 240 times the federal or state minimum wage, which ever is greater, except to the extent a court determines is not necessary for the reasonable requirements of the judgment debtor and his or her dependents. The amount of this exemption is currently {$XXXX} but is scheduled to rise to {$XXXX} on XX/XX/XXXX and in accordance with the minimum wage thereafter. 

If a restraint was placed illegally it can not be enforced. 

Banks may not charge the account holder a fee if it is served with a restraining notice and the bank account can not be lawfully restrained OR IF THE RESTRAINT IS PLACED ON THE ACCOUNT IN VIOLATION OF THE LAW. 

https : //www.dfs.ny.gov/legal/industry/il090120.htm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Every time I go to the hospital I provide my Medicaid medical insurance card and pay a co-pay due for any services occurring on the day I see a doctor in full and up front before seeing a doctor. 

Providing Medicaid medical insurance plus paying a copay before seeing a doctor covers known services that are going to take place on the date of payment. 

Any additional cost after making a copay payment and presenting accepted medical insurance for a doctor visit is frivolous where the patient did not give consent to services that costed extra or have knowledge of there being any additional services that were provided after presenting medical insurance and making an agreed upon copy payment for all services occurring on the same day the copay was paid in full. 

Since I presented my Medicaid medical insurance and paid a copay in full before seeing my doctor, any additional costs that were added to that day 's visit after paying in full and up front are fraudulent and should be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: FL

Complaint narrative:
I summit an inquiry dispute from XXXX with equifax on XXXX, i stated on my dispute that i want to remove inquiry from XXXX because i never apply for credit or even give my social, equifax disputed all my account on my credit and even when i noticed the remarks i contact equifax and tell them they disputed wrong accounts they told me they can cancel dispute after that XXXX  credit card account was closed and removed from my credit {$9600.00} limit XXXX balance and XXXX {$1000.00} limit XXXX balance closed and removed from my credit, my credit score went down more than 25 points, open accounts from 11 to 9 and credit limit from almost 30k to XXXX, i call equifax they dont resolve nothing this coat me time money, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX im ' not gon na sit here and say that in a courthouse, everytime ive written you, an objection here and there and maybe i would not of even be allowed to express why they XXXX up not my problem ... 

today i got a letter from chase bank i love how they go we completed the research if your claim, we all know its a 3rd party company usually fbi who decides for chase the outcome ... .and btw, i never knew that chase bank wasnt kocated in manhattan rather XXXX  XXXX XXXX, texas XXXX XXXX 
acct ending XXXX claim # XXXX im ' gon na send you the letter they sent me tomorrow. and ill keep it simple call them fax my letter and ask chasevid that is what they sent me? when they go yes can you please show me on those two pages somewhere at this timebyou entered your pin number for your debit card? not there..how about my signature to verify that i bought the item disputed? oh its not there but they go XXXX me and were making you psy for it. next ask them if my name was on a flight the following day? so how the XXXX one person two diff dates onevaftervanother on both planes? add no signature no pin number?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am in the process of refinancing my home and was shocked to learn that I have a 60 day late and a 30 day late on my credit report for Care Credit/Synchrony bank. I co-signed this account for my son, XXXX XXXX, to obtain immediate health care of my grandson. My son lives in XXXX CA and was making the payments. He works for the government and I recently found out that the account became delinquent while he was on a government mandated furlough. If I had been aware of any delinquencies, I would have paid the account up to date immediately. I never received a delinquency letter nor did I receive a telephone call from Care Credit/Synchrony Bank to advise of the delinquency status. I provided my home address ( in XXXX, California ) along with my telephone number over the phone at account origination. I believe Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ) rules dictate that all liable parties require notification of a delinquency before my credit bureau report can be negatively impacted. Since Care Credit/Synchrony Bank did not properly notify me of the delinquencies, I request that you please investigate this Bank for improper notification and collection practices. I request that Care Health/Synchrony Bank remove the delinquency status from my credit bureau reports. Also, I never received any information or notification regarding terms and conditions for this account. I am a senior citizen and I value my credit and would not have allowed this to happen if your company provided me with proper notification. I have not received a reply to my letter to Care Credit/Synchrony Bank which was mailed XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I submitted an online application for a mortgage loan with Bank of America. XX/XX/XXXX I received a message to call the 800 number which I did call and spoke with the online loan officer, XXXX XXXX. ( I have his NMLS ID # ). We talked about the various options and requirements for the home loan. In part of the conversation I asked how is my student loan payment treated in the debt-to-income ratio? The online loan officer said that Federal Housing Authority ( fha ) requires 1.15 % of the loan balance to be included the budget. ( I have done my research prior to applying and am aware that fha requires the the greater of 1 % of the loan balance or original amortized payment amount ). And I asked why does the Bank require that additional .15 % and the online loan officer could not give an answer and said he doesnt know and said its an over layer ( something like that, he became a bit inaudible in the answer ). Also, in the process of listing the requirements the loan officer said I needed to put an additional {$350.00} in the budget ( debt-to-income ratio ) for collection accounts. He included two accounts that were not actual collections but the accounts that were closed, remaining balances that were charged off and the creditors did not notate the accounts as collections. One of the accounts is 7 years old and due to drop off of the credit files in one - two months. Two other accounts were removed from two of the credit bureaus but not of them ( because they were errors ). 
I believe these requirements are over and beyond the requirements of Federal Housing Administration ( fha ) requirements ; And, are discriminatory against 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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX   report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.

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