vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: MD

Complaint narrative:
It is with great reluctance that I am even filing this claim. However, I am not able to reach a person that is willing to assist within my banking institution. I am currently and have been in a XXXX XXXX XXXX XXXX facility that does not afford me the hours needed to be on hold to wait and speak with someone. On or about XXXX XX/XX/2019, I made a call to the claims department at BB & T. I advised the representative that there were two charges that were not authorized on my account. I explained that someone from BB & T called me making me aware of the charge in the first place and that card was replaced. I am not sure how or why the merchant came forward with yet another charge without having anything to show me doing business with them. I do not and have not had contact with the merchant ( s ) only to try and figured things out. Since I was not successful I then asked the bank to step in for them to send me a letter stating that there was no error on the account when that was not what was alleged. What happened was two merchants took money from my account without my permission or authorization. I have proof of my whereabouts and I have not signed anything so that alone warrants and investigation to be done properly and my funds to be taken back from those who were not at liberty to receive them. XXXX and XXXX XXXX XXXX were not justified in receiving money from my 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 explanation
Consumer complaint received 2019-08-11 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: VA

Complaint narrative:
Over the last year, I have since XXXX and Experian multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible

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 2019-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
Help opening account with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: VA

Complaint narrative:
Over the last year, I have since Equifax and XXXX multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: MI

Complaint narrative:
On XX/XX/XXXX Synchrony Bank JcPenney card took a double payment from my bank account with auto pay. I have had auto pay set up for over 2 years never had this problem. I called them they said they didnt see it but there system had a glitch in XX/XX/XXXX.  So she gave me a fax number to fax a bank statement so I tried to do that and the number didnt work it was a line to talk to someone. So I called again they gave me another run around. So chase filed a claim and showed them they took 2 payments now Synchrony Bank sends me an email and is charging me double payment and a late fee but they still have one payment that they need to apply.

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 2019-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, a collections account, in the amount of {$1400.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Equifax have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX  and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For over ten years now, Equifax has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by Equifax reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

Equifax must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm Transunion and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

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 2019-08-11 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:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX and Experian has done a great job looking. into the FTC violation but will be added to the security so they can check on updates

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 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was purchased by Mr. Cooper last month. Literature sent and information online indicated that payments must be mailed to the original mortgage company or Mr Cooper. I had previously set up direct withdrawal for my mortgage ( set on the XXXX of the month, which is also the due date ). 

Up until XX/XX/2019, I did not have any account information to send a payment by mail to Mr. Cooper. On XX/XX/XXXX the Mr Cooper account page became available and I was given the option of making my payment ( then 6 days past due ). I made my payment on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I checked my bank account and see that Mr. Cooper took out the payment I authorized on XX/XX/XXXX and also another payment on XX/XX/XXXX ( at slightly less than required payment for some reason ). 

I did not authorize 2 payments from my account. I have not been able to get a response from Mr. Cooper. I have other bills due and need the money returned. This second withdrawal makes no sense, was not authorized and upon looking at the Mr Cooper web page, has not even been applied to my mortgage. 

I am currently in the process of refinancing my home in order to avoid dealing with Mr Cooper. These unauthorized actions by them only serve to negatively impact my ability to refinance and separate from Mr Cooper. 

I can only assume that this additional withdrawal is an active and intentional effort to keep me from closing my contract with Mr Cooper. 

Please help me to have my funds returned to my bank account ( or at least to get some response from Mr Cooper )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I made a purchase from XXXX XXXX on XX/XX/XXXX, in the full amount of {$350.00}. {$71.00} was on a gift card and {$280.00} was charged to my credit card. The order consisted of 13 items and 1 item shipped separately which I did receive but the other 12 items I have not received. The package said it was delivered on XX/XX/XXXX. The package is nowhere to be found I checked with neighbors and my spouse who I live with and no luck. I contact XXXX XXXX on XX/XX/XXXX, and was told they opened an investigation with XXXX and to wait until XX/XX/XXXX, and if the package still doesn't show up to contact them back. I contacted them back on XX/XX/XXXX, letting them know the package was still missing and was told they were still working with XXXX. I contact XXXX on XX/XX/XXXX, and was told the investigation has been completed and that they informed XXXX XXXX that the package was not located. XXXX told me I would have to contact the merchant in regards to a refund or replacement. XXXX XXXX contacts me back on XXXX XXXX denying a refund saying I have a bad order history. In XXXX I purchased an item that never arrived and they refunded me for the items and they consider that " bad order history '' something such as shipping is out of my control. They suggested I change my shipping address which is what I did with this order on XX/XX/XXXX, since I had a problem with them last year. They have since refused to replace or refund my items and they have been ignoring all of my emails and refuse to let me speak with a supervisor or manager.  I reached out to my bank Barclay card and opened a dispute however they denied the dispute and can not even provide me with reason. I'm frustrated and at this point may even close my account with this bank once I pay off my balance. I was charged for merchandise I have still yet to receive and my bank which I been with since XXXX and a company I shopped with for years have no care in the world.

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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX  reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX   XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

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 non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2019, a collections account, in the amount of {$4800.00}, was opened under my social security number. To date, I have received NO contact from this creditor or collections agency, notifying me of debt obligation. After becoming aware of this account on my credit report, I attempted to reach out to the original creditor and collections agency with no success. I was informed that I would need to be in contact with the company 's fraud department which was not open at the time of my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
My mortgage company hired their own substitute trustees who effectively helped them steal my house! And I believe they breached their fiduciary duty by failing to act in a fair manner! They not only didn't do their own research to even see if the bank actually held the loan on my house which I don't believe they did or that maybe it was paid off when the original borrower died, but they followed suitin not talking to me at all about anything and treated me as if I had stole the property when I deeded it to myself to get all the deceased people 's off it. Then they refused to let the program " Keep Your Home California '' pay them off and wouldn't issue the surplus money to me saying they would spend every last dime of it if they needed to find my companions son, and only if he didn't want it would I even have a chance. Then they straight up treated me as if I stole the property when I needed itto myself in an attempt to drop all the deceased people and get them to talk to me. Ultimately the funds were deposited with the courts for them to distribute after they had taken as much as they possibly could leaving me to patition the courts over 8 months later for it. And my question is why did they treat this whole thing like it was personal and why did they treat me so unbelievably cruel?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I made a payment to my cc to pay off revolving balance and minimums for promotional balances in order not to incur any interest charges. The payment went to pay only the promotional balance ( not due ) and left me being charged interest ( {$22.00} ) for my revolving balance that should have been paid. XX/XX/2019 statement. I called to have the payment allocated correctly, but have been told that cant be done. Ive asked how to use the card around the window of when a promotional balance is coming due to make sure payments go to a revolving balance ... .cant get an answer. Ive been told nothing can be done .... stop using the cc doesnt seem to make sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
As I reviewed my credit reports I noticed SCA Collections was reporting a collection account on my credit. I never had any dealings with SCA Collections nor any type contract with them. I disputed the item with the credit bureaus and the item came back verified. still unsure of this debt and most certain i do not owe them i reached out to SCA Collections personally requesting proof of supporting documents they had to show me owing them and demanding that the item be removed from my credit reports. SCA Collections replied back that they didn't have substantial proof and that they're just a debt collector. If I wanted any additional information that i should reach out to the company they are collecting on behalf of directly. I called the company directly and they said they couldn't discuss anything and that i should contact SCA Collections directly. this item should be removed from my credit reports immediately as I do not believe this to be accurate or factual and have received no Information from SCA to prove they are.

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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
i have evidence that this reported late status was posted after a agreement to XXXX   balnce fraud documentationr

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 2019-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Student loan was originally made from Sallie Mae now Navient. We, myself & co-signer receive at least 2 phone calls per week & numerous e mails plus mails regarding these loans. They have been in forbearance/deferred to the max and currently the harassment has been overwhelming. I have spoken to them numerous times explaining our current situation which is, my mom & co-signer was diagnosed with XXXX XXXX & can not work nor receive any income from XXXX. Because of this unfortunate issue, I have taken over not only all the household expenses, but my mom 's expenses plus my own. My husband works part time & he pays his own expenses as well as some household expenses. In XX/XX/2019, I fell at work & XXXX  XXXX XXXX which recently I had XXXX on & am currently on XXXX XXXX for the next 12 weeks. Whenever I speak to Navient and try to work something out, they do get very nasty & ask how I pay my other bills or tell me about a higher power to pray to. This is not sitting well with me at all. This past week I received 2 calls XX/XX/XXXX & XX/XX/XXXX 6 days apart & the rep. dismissed my comment about it, 8 emails plus my daughter received the same, then paper mails we both received. We are fully aware of the debt owed however, we are trying to work with them & are very demanding & get a little personal. And the phone calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them

Company response to consumer: Closed with explanation