vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Lowes/Synchrony Bank So I paid {$100.00} to Lowes at the store  on XXXX XX/XX/XXXX and {$50.00} on XXXX XX/XX/XXXX and received a notice that i was past due on a {$71.00} amount due and they included a late fee saying I owed XXXX. I paid the {$110.00} today XXXX XX/XX/XXXX, but this isn't the first time synchrony bank played funny numbers on payments. I feel that even when you are paying your bill with synchrony they are actively looking to try and charge you more.

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 2020-10-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

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 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I XXXX XXXX hereby attaches a copy of a collection letter I received from Portfolio Recovery Associates. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX hereby attaches a copy of a collection letter I received from XXXX XXXX XXXX. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I lived in XXXX XXXX XXXX, XXXX MA from XX/XX/XXXX until XX/XX/XXXX ( 4 years ) while working at XXXX XXXX XXXX in XXXX, MA. I never failed with my monthly rent payments. However, when I moved out from the place, the manager sent me an email with a bill attached to it. It seems that I owed some money which supposedly included the following charges : few extra days ( as I moved out ), a final water/sewer charge, a door jam charge, and a carpet stain charge. I honestly took well care of my apartment and passed final inspection at the time I left ( I was single, not kids, no pets ). I felt they were unfair with these charges and tried to negotiate as I was OK with paying extra days and water/sewer. I ended up in collections and I paid strictly what was owed ( only extra days and water/sewer ). Today is year XXXX and I have this unfair collection mark on my credit report. This has been the most expensive rug I have had to pay up to this day. The situation seems unfair, abusive, and financially distressed as I have never been able to qualify for decent financial products! I hope CFPB helps me to remove this mark on my credit report forever! 
I will appreciate your help in this important matter! 
Blessings and stay healthy outhere! 
Regards, -XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I am a client of the Master card that XXXX offered me through Citibank, since XX/XX/XXXX an amount of {$950.00} dollars appeared on my invoice, I called to report that I was not responsible, I received after so many calls claiming I received this check send them my driver 's license to verify that it is not my signature and they have not solved anything yet, please ask for help in this matter I also see strange movements that have been charged without justification, if they see now they are {$950.00} the charge of the check, and I ask why it now adds {$4.00} more and they do not give an answer, Here I include the Check, the statement that appears {$950.00}, my license as proof that it is not my signature. 
The account number is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Thank you!!!

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 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Allied Collections Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX This company is reporting a medical/dental bill on my credit reports that is not mine, I have had medical and dental insurance for over 15 years and do not owe any medical bills I tried contacting this fraud company and they refuse to remove this debt and provide proof that I signed anything even related to the original creditor XXXX XXXX. 
I have had the same dentist for 10 years and I know nothing about XXXX XXXX  or Allied Collections Services I disputed this with the Credit Bureau and this is still reporting to my credit and the company is not providing any information to prove this debt is mine, because there is no proof this debt is mot mine and I want it removed from all three Credit Bureau

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 2020-10-17 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: Chime Financial Inc
State: GA

Complaint narrative:
I had an alert about an ACH that was debited for {$49.00} forHud foreclosed. then XX/XX/2020 got another alert about another ACH. this was on XX/XX/2020, from some XXXX  that I never saw or knew about and put in an Unauthorized claim as this was at XXXX XXXX  at a time I am sleeping around XXXX XXXX. for {$79.00} for something that I don't know what this item is and never would buy online. I only use my CHIME for all local bill paying and shopping, and would never give out my Direct Deposit account information to. I only receive {$630.00} social security funds to this card and as I understand that anyone who tampers with Federal income funds can be prosecuted. I did not order anything from some XXXX  in Washington State or even California, and never will. I block all numbers from the western States as they are all criminal cartels there. I just want my money back as it has set my Mortgage back because of the overdraft it caused. Chime is responsible for any suspicious activity that is being sent to my accounts. I had cancelled the card and got a new card but have taken my direct deposit out of Chime and will close all business with Chime when I receive my UNAUTHORIZED ACH back from XXXX  which can't find any phone or customer service for. XXXX  is not found in XXXX and the phone number that the XXXX XXXX  gave me when I click on the number 2 option to talk to a representative, the phone hangs up and you can't talk to any live person and can't even verify who these people are. I did not ever order any service or item from them as I can't even find a number or address for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been fighting with Chime bank about my {$14000.00} and that was my rent money and someone stole my debit card and used it and stores and places and I couldnt even use my account at all and thy aint trying to get my money back for me and I started fraud claims at location that card was used and money was sent back but I cant get none of money and they aint trying to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Conn's, Inc.
State: TX

Complaint narrative:
Regarding : CONN 'S APPLIANCES INC XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX CONN 'S APPLIANCES INC ( Conn 's ) checked my credit via XXXX, and neither Conn 's nor XXXX  contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account.

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that Conn 's extended credit.

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the FACT Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regarding : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX - XX/XX/XXXX I placed a fraud alert with all three credit agencies due to suspicious activity. 

XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX 's ) checked my credit via TransUnion, and neither XXXX 's nor TransUnion contacted me to validate my identity before issuing an in-store credit card to someone that stole my identity. Since then, my credit has been severely damaged, and I am being constantly hounded by debt collectors due to this delinquent account. 

Other attempts to obtain credit using my identity were thwarted by the companies that contacted me regarding the fraud alert on my account, during the same time period that XXXX 's extended credit. 

This is, of course, a direct violation of The Fair and Accurate Credit Transactions Act of 2003 ( the  FACT 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 2020-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank o America has closed not just some -- but ALL of its branches despite a sign referring neighborhood BofA customers to their website to determine open branches. There are none! Customer service is non-existent with hour-long and more phone waits accompanied by recordings and cutoffs. Communications through website and email are are dead-ends. The security is such that it is impossible to get through. One e-mail was sent with documents attached but it is impossible to determine whether or not they were received as no verification or response is forthcoming despite multiple attempts at contact. A Death Certificate, Short Certificate/Letters Testamentary and copy of Executor of Will 's personal PA drivers license raise cause for concern that personal information, hacking worthy might be at risk. The Bank of America is sitting on a {$20000.00} CD needed to settle an estate in the COVID19 era with the bank apparently hiding behind the pandemic to avoid payouts and customer disservice complaints.

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 2020-10-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!

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 2020-10-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2020, I provided a {$2500.00} credit card deposit to a merchant, XXXX XXXX, for the construction of a patio. Work was scheduled to begin on XX/XX/2020. This work was not completed, the merchant stopped communicating with me, and I found reviews on XXXX  web site and other review sites detailing how the company took a downpayment, then never completed the work. 

On XX/XX/2020, having done my due diligence to obtain a resolution with the merchant, I disputed the charge with the credit card company. 

On XX/XX/2020, I received a phone call from the merchant, where I requested a refund of the downpayment and was told that it would not be provided. I reported the merchant to the PA State Attorney General 's office. 

The merchant 's response to the State Attorney general was that work was not completed. I have documentation to support that statement. 

The merchant 's response to the credit card company was that work HAD been completed and the merchant wasn't sure why I was requesting a refund. The credit card company requested information from me that would refute the merchant 's claims. 

After providing the credit card company with documentation to show that the merchant 's response to MasterCard was false, the investigators determined that the merchant was " working with me '' to complete the work and denied my request for a credit. I disputed this result and later received a notification that if I could provide proof that the merchant was providing me with a credit, the case could be re-opened.

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 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
WAS banking with since XX/XX/XXXX or so went out to get some food with my friends and my card declines. I go to my Chase mobile app to check my balance because I knew I wasnt even close to a negative balance and I see my account is locked. Its XXXX so COVID-19 hours are in affect. I call the number provided to me on the app and the agent tells me Chase is ending their relationship with me and is providing no explanation as to why. No illegal activity on my account, I collect UP just like the other thousands of unemployed Americans and my well-being is dependent on my account. Chase sent me no email, no warnings or correspondence in regards to my account being closed, so I couldve went weeks without knowing my account was closed. I feel like not only do I deserve to know why it was closed, I want my account back as well because I know nothing fraudulent has been going on, PLUS they also closed the accounts of my mother and my dad so were all out of luck. Count your days Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: AL

Complaint narrative:
I have two account that are in collections from Amerifinancial solutions that are representing XXXX XXXX XXXX XXXX. The first amount is {$600.00} that was reported on XX/XX/XXXX the second account through them is in the amount of {$890.00} and was reported on XX/XX/XXXX. 
These collection amounts were from when I had XXXX XXXX of Alabama and the provider did not bill them through XXXX as my secondary insurance for some reason. 
I have reached out to XXXX and they told me because it has been longer than 12 months since the service was provided they can not do anything and it would be between me and the provider. I have spoke to the billing department at the hospital and have been told it would have to go through XXXX. They are claiming they did not know I had XXXX XXXX during my services but I know they did and I had several visits to the labor and delivery department that were billed correctly through my insurances. I should not be responsible for my medical bills because the provider did not bill them correctly. It was their mistake and if they would have done it correctly I would not have any amounts owed. 

I also have four accounts that are open through XXXX XXXX XXXX XXXX that are in regards to the same issue representing XXXX  Alabama XXXX XXXX The first one is in the amount of {$120.00} opened on XX/XX/XXXX The second XXXX is in the amount of {$410.00} opened XX/XX/XXXX The third one is in the amount of {$150.00} opened XX/XX/XXXX The fourth one is in the amount of {$590.00} opened XX/XX/XXXX The dates of service in regards to these visits were as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX I had XXXX XXXX from XX/XX/XXXX until I delivered in XX/XX/XXXX and then again XX/XX/XXXX until I delivered in XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: PA

Complaint narrative:
I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Morgan JP Chase, has failed to provide vehicle title greater than 30 days. per regulation : CALIFORNIA An effective transfer requires endorsement and delivery of certificate of ownership by transferor to transferee and delivery by transferee of the certificate to the DMV, with proper transfer fee and application for transfer of registration, within 10 days of receipt by the transferee. 


I called the bank and sent the necessary paperwork. They said they would look into and have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company

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