vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a bill on XXXX/XXXX/19 from Synchrony Mastercard stating that I owe {$29.00} and that {$27.00} is past due. I do not remember making any purchases on this card and had not seen a bill prior to this one, so around XXXX on XX/XX/XXXX I visited the website and attempted to log in, but got a message saying that the information was incorrect. I tried to use the option " find user ID '' but received an error message telling me that my account number and zip code were invalid. I attempted this option a few more times in case I had entered any information incorrectly and each time got the same result. I also attempted to use their online chat option. It gave me a " virtual assistant, '' that told me it couldn't help me and when trying to connect me to a representative told me that no one was available. At XXXX XXXX I called the customer service number listed on the website ,XXXX. It took a couple of minutes to speak to anyone because the automated service also did not recognize my account information, but eventually I spoke to XXXX at this number. After giving XXXX my information he informed me he couldn't help me but transferred me to XXXX, where I spoke to XXXX. When I gave XXXX my information he told me I would need to speak to someone in internal review. He transferred me, but also gave me the number, XXXX. This number rang a few times and then the call disconnected. I attempted to call this number back at XXXX. It rang, connected to dead air, and then the call was disconnected again. At this point I attempted another number XXXX, where I talked to XXXX. She informed me that she was unable to help me due to the type of card I held, so she was going to transfer me to someone else. Before she transferred me I explained that I understood she couldn't do anything, but I told her I had been unsuccessfully trying to contact someone and asked if I could have another number to someone who would have access to more accounts or that could better help me. She connected me to another number, but also gave me the number XXXX. After she connected me to the other number it disconnected. At XXXX I attempted the XXXX number. This number did not connect me to a person, but instead listed off several offers that it said, I " might qualify for. '' at that point I began searching for other contact information and then found the XXXX site. After finding the XXXX site I no longer attempted to try to contact the company on my own.

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 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I sent my delinquent mortgage payment to XXXX XXXX mortgage in the amount {$2600.00} my check was returned by XXXX XXXX and they have set a mortgage foreclosure sale date for XXXX XXXX, 2019. I have sent a request to the mortgage company for a mortgage modification to save my home and stop the foreclosure sale. Letter received from foreclosure attorney was dated XX/XX/2019 and I did not receive the letter until XX/XX/ 2019, 30 days notice was not received before sale date. Researched on the computer Tennessee code says I'm suppose to receive notice at least 30 business days before foreclosure sale. My mortgage company has changed a lot of times but I have not received papers stating who owns my mortgage or if the servicing was assigned to a new owner of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TN

Complaint narrative:
In XXXX of 2019 I contacted XXXX XXXX XXXX XXXX to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX XXXX today and they state that the accounts are closed and with XXXX balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

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 2019-10-11 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX of 2019 I contacted Wells Fargo Dealer services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called Wells Fargo Dealer services today and they state that the accounts are closed and with zero balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : HSBC BANK Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian has old, outdated credit information about me. The other credit bureaus are up-to-date. Additionally, I have tried to look at the credit information with Experian so that I can specifically dispute items, but the online service doesn't let me create an account so that I can see the details and their phone is not manned by people. I have only heard, second-hand, the inaccuracies.

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 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have automatic bill pay through BB & T for my auto loan with XXXX car loans. The automatic debit is set up for the XXXX of each month BB & T on their own without my permission pulled out the money on the 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 2019-10-11 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am filing this complain about the mortgage company known as " Specialized Loan Servicing '' ( SLS   ). Their address is Specialized Loan Servicing LLC, XXXX. XXXX XXXX, XXXX, CO, XXXX. 

The reason for this complain : This company bought my mortgage from XXXX XXXX in XX/XX/XXXX. After a few months, I sold my house on XX/XX/XXXX. After the sale of the house, their was a remaining balance of {$1700.00} which should have been sent to me via check. This amount was a refund from the XXXX county for property tax and was paid on my behalf to SLS to my escrow account. I have called the customer services many times and have spent countless hours with different representative but am not getting the remaining amount which is due to me. Most of the times, either the agents either tell me that they have taken care of it or send me to next person on the phone line which ends up in a wasted call.

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 2019-10-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to you regarding a disputed charge on the referenced account. I ordered a bedroom set from a merchant " XXXX XXXX '' on XXXX/XXXX/2019, and they charged my " Synchrony Home Credit Card ''. I was promised delivery for the Bedroom Set on XXXX XXXX, 2019. 

First and foremost, XXXX XXXX was not authorized to charge my account until the merchandise was confirmed in-stock and ready for shipping. 

On XX/XX/XXXX, I was I was informed that the set was delayed until XX/XX/XXXX, then subsequently was told that they were unable to deliver the set as it is no longer available. 

I told XXXX XXXX, to cancel this order, and issue a refund to my Synchrony Home Credit Account, which should not have been billed in the first place, as they sold me furniture that was not available. 

On XXXX XXXX, 2019 I went into the store and they told me that they processed a full refund to my Synchrony Home Credit Card Account. After multiple calls to the store and Synchrony Bank, XXXX XXXX was telling me that they submitted the refund and placed the blame on Synchrony Bank being slow to post refunds. Synchrony Bank advised me that there was no refund issued, not was any refund pending. 

As a result, I disputed this charge as the merchandise was never delivered as promised and no refund was ever issued. Further, XXXX XXXX was not authorized to charge my card, until the merchandise was shipped. 

Synchrony bank closed the dispute in the merchant 's favor stating that they issued me a refund on a different credit card which is untrue, and the merchant nor Synchrony Bank are able to provide any supporting documentation.

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 2019-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed the account in the amount of {$1300.00} that I do not owe and I received a tuped copy and not a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Signed contract with social 3. Copy of charges or statements and/or copy of whatever you have to prove this is 100 % accurate. 


None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XXXX XXXX 2019, I opened a BMO Harris Platinum Money Market account based on a promotion of a total bonus of {$300.00} associated with this account. 

The terms required depositing {$10000.00} into the Money Market account and not letting the balance drop below {$10000.00} for the next 90 days. To satisfy this requirement, I deposited {$10000.00} into the account on XXXX XXXX, 2019, and then did not remove any money from the account until XXXX XXXX, 2019 ( 92 days later ). 

The {$300.00} incentive corresponds with offers ( 2 ) and ( 3 ) on the attached PDF " BMO XX/XX/2019 promo XXXX ''. I also did offer ( 1 ) and received the {$400.00} bonus for that offer, which is relevant to receiving offer ( 3 ). 

The dispute is with offer ( 2 ). See the attached chat logs for details, but the summary is that BMO Harris says that because I transferred the new money into the checking account I opened for offer ( 1 ), then immediately into the money market account to start the 90 day timer, that I did not satisfy the " new money '' requirement. 

I think this is a disingenuous interpretation of " not currently on deposit at BMO Harris Bank or its affiliates ''. You can see from the attached account history images that I transferred the money into the Money Market account on the same day that it transferred to BMO 's checking account from an external source. I could have withdrawn the money from the checking account at a branch, held the {$10000.00} in cash for two seconds, and then deposited the " new money '' into the money market account. But that kind of nonsense would be a waste of everyone 's time. I expect better of myself and I expect better of BMO Harris as well.

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 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX/XXXX/19 WE JUST GOT A LETTER IN THE MAIL STATING THAT WE WERE DENIED A MODIFICATION BECAUSE THEY SAID THE DOCUMENTS WERENT SENT IN ON TIME!!! LIARS!! IF YOU LOOK AT ALL THE COMPLAINTS YOU WILL SEE THAT WE SENT IN ALL DOCUMENTS BY THE DUE DATE XXXX/XXXX/19 BUT WE WERE TOLD THAT THE NOTARY DIDNT SIGN THE CORRECT LINE! SO THE MODIFICATION SENT OUT ANOTHER SET BY EMAIL AND WERE SIGN CORRECTLY BY THE NOTARY THEY WERE SENT BACK BUT WHEN MY WIFE CALLED SLS TO MAKE SURE EVERYTHING WAS SIGNED RIGHT THEY SAID THEY DIDNT RECIEVED THE HARD COPIES AND THEY WERE SHREDDED!!!! WHY??? SO NOW ITS THE END OF XXXX SO I TALKED TO A SUPERVISOR AND SHE SAID SHE IS SENDING A NEW MODIFICATION DOCUMENTS BY UPS WE DID AND WE SIGNED THEM AND WERE SENT BACK AND THEY RECIEVED THEM ON XXXX/XXXX/19! WE WERE TOLD THEY WILL FINALIZE THE DOCUMENTS BUT WE MUST MAKE XXXX PAYMENT WHICH WE DID! NOW WE GET THESE PAPERS IN THE MAIL SAYING WE DIDNT SEND THEM IN BY THE DUE DATE! LIARS WE HAVE THE THE RECIPTS FROM WHEN EVERYTHING WAS MAILED ON ALL 3!

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 2019-10-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
End of lease with XXXX XXXX XXXX in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to XXXX XXXX XXXX instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with XXXX, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid XXXX XXXXXXXX XXXX on XX/XX/XXXX, they still hit me with a two month charge off

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 2019-10-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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