vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank sent me a letter XX/XX/XXXX stating their closing my account into a decision was based in a part on a credit scoring system. They have my score XXXX date : XX/XX/XXXX, and while the date of the credit score may not be recent, My score has likely not changed significantly since this date. Which that is incorrect, date : XX/XX/XXXX My score was XXXX, date : XX/XX/XXXX My score was XXXX and date : XX/XX/XXXX my score was XXXX. They want to close my account with Inaccurate information, and I'll be gladly to give my score reports as proof.

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 2020-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card was compromised and fraudulently charged. Neither I nor anyone I know authorized the transactions, I never get any benefits out of it. I notified Bank of America as soon as I found out the charge from banks website. Bank of America closed the claims without even hearing back from some of the merchants and not giving me any written proof. Since I didnt create those orders, merchants couldnt help and asked me to contact the bank. 
I need to get my money back on those fraudulent charges and I would like the bank to reopen the claims # XXXX, # XXXX, # XXXX and provide written detail of the proof that I am responsible for these fraud charges. 

XX/XX/XXXX XXXX  {$39.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  {$10.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX  plus {$29.00} XXXX Package sent to my address with fake name returning to merchant XX/XX/XXXX XXXX XXXX XXXX   {$180.00} XXXX Never receive anything XXXX XXXX   {$80.00} XXXX Never receive anything XX/XX/XXXX XXXX   {$100.00} XXXX Never receive anything XX/XX/XXXX XXXX XXXX   {$190.00} XXXX Never receive anything

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 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am In litigation with Select Portfolio Servicing whom foreclosed on my home however violated consumer protection laws Indurance les holding insurance proceeds without applying to my mortgage. Placing forces placed home owners insurance while i had private purchased homeowners. For 7 years sps refuses to modify my mortgage violating my rights under FTC laws Unfair deception abuse practices using political points blaming presidents for not being able to sue loan modifications. Perfusly staying they did not receive required documentation. All while under Bankruptcy I was placed into a chapter XXXX without my knowledge. Please someone help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: SC

Complaint narrative:
Over the last three months Ive been receiving harassing phone calls from this collection company about an account which I have never had. The company proceeds to tell me that there was an account leased through XXXX and they could not even tell me what type of merchandise it was. Im own a very large corporation  here in XXXX XXXX South Carolina and I have never leased any merchandise from XXXX much less even shopped from XXXX my entire life. I am actually an A+ member of the XXXX XXXX XXXX  with our XXXX XXXX company match XXXX  managers. I asked the company to please send me proof of this purchase along with a picture of my ID and a signature and they were not able to do so. They mailed me an amortization table of some payments which I have never seen nor never signed up for and my entire life. They also had me in an address in which Ive never lived that in my entire life.I have a very high credit score and I own over 15 personal properties here in XXXX XXXX and I would never ever go into a XXXX and lease any type of items. My concern is that the company can not provide me with identification nor a signature which says I purchased at least anything from any company Which makes me believe some identity theft is in play here.. I want this item removed off all my credit reports, this item is not mine it is never been mine and they can not provide any proof whatsoever that Ive ever obtained an account by this company. This is my first step in beginning a litigation process with them. I can see they have many many complaints against them and harassing phone calls and emails which Ive had the same thing. Ive told them that this account is not mine and to please prove to me that it is and they are unable to do so but yet they report to my credit bureaus. I will be contacting the federal trade commission along with contacting my attorney XXXX XXXX esq. if they do not remove this off of my report. I will go after them for any type of harassment and also defamation of Character.I Purchased many properties but yet this item pulls up on all three of my reports it is the only negative item Ive ever had to get me ever. The fact that its not my account is very devastating to me and very Concerning. Theres no proof, theres no signature theres nothing this company can provide me to prove this account is mine. This company should not be allowed to do this I have no idea how they got my information and yet they look can not even give me my Social Security number when I ask him for it please check into this and have them remove this in anyway they can because Im trying to buy the {$750000.00} commercial building And this false account is reporting to my credit report. This is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: CA

Complaint narrative:
Yesterday I decided to get a copy of my free credit report and i went to the website referred to my by XXXX at www.equifax.com. I went to the website that i thought was secure and after i put in ALL my personal information such as address and social security number the website crashed numerous times. Then when i finally got back in it said my request could not be processed and that i need to call this number. XXXX XXXX XXXX. " We can't complete your request at this time. please call the customer care team. customer care is available between XXXX and XXXX  ET 7 days a week. 

so i called and i got the run around by the automated menu and the robot could not interpret anything i was saying or texting. for example it said please press 1 for yes and 2 for no and it didn't receive any of my digit responses. Finally, after about 10 minutes of total frustration i started pressing every button i possibly could and got some worker in XXXX who after about 13 seconds of me speaking, hung up on me and sent me to the 2 question survey which also could not detect my digit responses!! 

I feel completely violated and taken advantage of. I'm in limbo, still don't have a report and now these people have all this power to make or break mt credit rating and i'm supposed to feel secure that this company has the ability to destroy my credit at the drop of a hat. Who manages these companies and why are they allowed to have such terrible customer service? i'm not even sure i was speaking to the actual Equifax. How does a company with this power have a website that crashes and then sends you to never never land?? I emailed the company and got a autobot response telling me " the following link may address your concern..blah blah blah how-can-i-get-a-free-equifax-credit-report '' .. wow ya thing i didn't already try that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Paid off auto loan appearing in my credit reports. I submitted dispute with XXXX  and pending response. 
My complaint is with Equifax 's online dispute process. I have attempted to submit dispute but their system continuously claims no internet connection. I have used mobile and wifi connections and in both instances I get a " no connection '' error response. I have attempted dispute in different dates and locations and response is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on two of them that there was a collection account. The collection account is listed as Midland credit management is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells fargo days they have XXXX me off so long they dont have to pay 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 2020-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

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 2020-03-02 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: FL

Complaint narrative:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

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 2020-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on XXXX of them that there was a collection account. The collection account is listed as XXXX XXXX XXXX is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Block, Inc.
State: OH

Complaint narrative:
Square Cash, on their website, states they offer card protection with their Visa Cash Card. 

So I have been using it for purchases as I would any Debit/Credit Card. 

In XX/XX/2020, I had issues with XXXX on not being refunded for items I returned. 

I was refunded some items, but not all. 

I sent Square all the details they asked for. I submitted over 30 pages of proof I am due a refund. 

In the end, they state they will not help me file a dispute despite their website stating they WILL file disputes on your behalf. 

They state since I was refunded for SOME of my returns, they will not pursue it. Even though I am to receive refunds for the charges I asked them to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Purchased a new vehicle on XX/XX/19. At this point in time, I am having a rather difficult time making the payments. I decided to look at my loan agreement and was rather astonished at the interest I am/will have to pay for the entirety of the loan. The interest to be paid is almost 1/2 the cost of the vehicle. I'm just inquiring if I have accepted a predatory loan contract. Would it be possible to look into this for me? Thank you so very much for your time and consideration. 
Sincerely, 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 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I'm confused and I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The payment got deducted from my account. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( Since XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3000.00} XXXX. I started by having a {$500.00} card with them, then they evaluated my excellent payment history and offered me several times to increase my credit line. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. On XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. When I contacted them by phone, they did not treat me well, as I am XXXX and spoke in XXXX, I felt they discriminated against me because I do not speak much XXXX. I request all my account to be immediately reopened and the credit line restored. My account number is # XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ

Complaint narrative:
My mother and I applied for a mortgage through XXXX XXXX. I was informed by the underwriter my mother and I passed desktop underwriting. I was asked to pay a {$600.00} appraisal fee. I was told after I paid the appraisal fee my mortgage could not be processed due to my student loan debt. XXXX XXXX would not refund me the money for the appraisal fee. 
I was referred to Jersey mortgage by friend and he had no problem approving my mother and myself for a mortgage because we both had XXXX credit scores with a lot of debt. We purchased a home for {$400000.00}. At the time my mother and I had over {$100000.00} in credit card bills and student debts. The mortgage broker said this would not be a problem. Shortly after I closed on my house I lost my job I asked the mortgage broker if there was anyway we could unwind the loan due to the significant drop of income. I was told I was on able to do that I could refinance later on down the road. This put a lot of stress on my mother and my husband and my husband ended up punching me in my face during this whole process and running up my credit cards to support our children. The mortgage broker did not exercise good judgment skills when he issued this mortgage. My mother and I are not mortgage analyst and we trusted that we will be able to afford the house. Im respectfully requesting a thorough investigation on how he mortgage of this amount was approved but the amount of student debt I have not yet to repay. I have done a little research and I know that mine and my mother situation does not conform to FHA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation