vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/20 - attempted to use my CareCredit card issued by Synchrony Bank to purchase medical equipment online through XXXX, one of their partners. The item is not sold in stores, but Online only. I have a XXXX condition which also limits my ability to being out and about shopping during this pandemic. I called the bank and asked why the cards have not been expanded to online using during the Covid-19 pandemic. Why do they still expect the most vulnerable to go inside stores and shop? This needs to change immediately! They did not have an answer. CareCredit should be concerned with people shopping in stores. They should expand card use to online immediately!

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 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
{$1600.00} In Collection since XX/XX/XXXX Collection put on my name U don't owe or done business with the apartment complex! Similar name to my name without social security and different date of birth. 
I have called the Collection agency too many times without any luck and I have filed complaint with Fcpb and I asked for the documents has my name or I signed on it! I received a copy and name very similar to my name. 
I was able to rech the Guy and I asked him for a copy of his passport. 
So I'm going to send a copy of the lease with a copy of his passport. 
I'm US Citizen and have Amercian passport and Social security number and no one of those was written on the lease! 
Please compare names spelling and others papers. 
I have send a copy of my driver license and the other Guy passport and visa.

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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Today 's Date is XX/XX/XXXX We paid-off a Conventional mortgage loan on XX/XX/XXXX. There is a XXXX balance but the lien against our property has not been removed since XX/XX/XXXX. We can not sell or get a HELOC loan due to this ongoing problem with LoanCare. My husband and I have called LoanCare for the past 3 months trying to get them to remove the lien against our property. They acknowledge they need to correct a document ( for some reason they don't know details to explain to me ) and resubmit it to XXXX County Register of Deeds. This has yet to be resolved Since XX/XX/XXXX. We get the same exact excuse every time we call LoanCare. 
I have logged onto XXXX County Register of Deeds every day and there is no Cancelation, so the lien is still against our property as of XX/XX/XXXX. 
We will take legal action against LoanCare soon because we have given them more than enough time to resolve this problem. A lien against our property for a paid-off loan is very serious and requires immediate attention and legal action.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
On XX/XX/19 a credit card was opened under my name with Kay Jewelers. I did not open this card and make any charges. The card was opened in kentucky and I live in Illinois. I've called Kay Jewelers ( XXXXXXXX XXXX  services-who manages the card ) they made me submit a fraud claim and fill out paper which I did and they still denied my claim. They currently are not taking any fraud calls due to Covid. This has killed my credit score

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
RE : Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX Claim ID XXXX This matter concerns a matter with Chase Credit Card services and a disputed charge which Chase will not investigate fully. I am getting form letters from Chase with denials but no explanation. I would like to speak to someone with the authority to investigate fully so they can truly resolve the matter. 

This is regarding a charge on XX/XX/XXXX listed as XXXX  for {$1100.00}. On XX/XX/XXXX, my company paid XXXX {$1100.00} using my Chase Credit card and sent to payment processor XXXX On my statement, I did not recognize the vendor ( Appears as XXXX on his statement, different than the vendor name ). I could not contact XXXX I cancelled the payment via Chase. In the meantime, I paid the vendor separately and have documentation. 

Chase determined the charge to be valid and reversed the dispute. Due to problems with their secure messaging system and fax machines, they made denials without looking at my full documentation. I finally sent my documentation via US mail in XX/XX/XXXX. I asked for a full review and for someone to contact me. Regardless, Chase is denying my appeal without a full review of my documentation. 

I have clearly paid this vendor separately. Chase has not paid my vendor separately. They are holding on to {$1100.00} and keeping it for themselves. 

They are using their internal problems with secure messaging and fax machines to justify a denial based on the length of time the that has passed. 

I sent Chase copies of the checks sent and letters from my vendor saying he has been paid separately. 

It is very clear to me that Chase is in possession of the funds. Wave has returned all the money. 

I attached copies of the check I sent to the vendor as well as a letter from my vendor stating that he has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
Hi On XX/XX/2020 I closed on my new construction home as advised by my lawyer XXXX XXXX go ahead and close due to the pandemic the CO is on someone desk waiting to be signed now 3 months went by the town will not issue a Co for the house because of a list of problems with the property Ive notified my lawyer which is no help Ive contacted XXXX XXXX builder  which was XXXX builder before and cross country mortgage. No one is ever willing to help. They did some repairs and still not up to town standards. Im a XXXX veteran. All I get from everyone is the run around. This builder, mortgage company and both my lawyer and theirs are no help. Please guide me to what I should do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC
State: NM

Complaint narrative:
I had a personal loan with Loan Me that was sold to XXXX XXXX XXXX as it had gone to collections. I settled the amount and made a one time payment to have the account closed. Loan Me and XXXX keep sending me back and forth both saying theyre not responsible for the actual credit report reporting and both companies decline to report it to the credit bureaus therefore my credit report is incorrect. Please see attached settlement letter confirming the payment was made and account closed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
This company is reporting illegal information on my credit report I contacted them 30days ago got no response. also under the hipaa privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Title Security Agency LLC
State: AZ

Complaint narrative:
I am a XXXX veteran and I used my VA loan to purchase a home at XXXX XXXX XXXX XXXX XXXX, XXXX. I used the services of Title Security Agency at XXXX to complete the transaction. They did not order an HOA inspection at the time I bought the home. I have just sold the same home approximately 1.5 years later due to being moved for my husbands work ( XXXX XXXX military ). We again used Title Security Agency for title and escrow work. This time they did request an HOA inspection ( did not for us when we bought the home ) and there were about XXXX dollars worth of repairs required. The Title Security Agency withheld about XXXX dollars from our closing to cover HOA repairs that they failed to have inspected for us when we purchased the house. I feel this was negligence on their part and that they did not use due diligence. We feel that they should cover the repair expenses because they failed to properly protect us when we used their service for the same home less than two years ago. 

I can be reached at XXXX or XXXX Should I report this somewhere else as well -- I don't want other people using VA loans to be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During the month of XX/XX/XXXX, Our Chase Visa credit card was fraudulently used 98 times, racking up fraudulent charges totaling {$25000.00}. All of these charges were made to an on-line gaming site called XXXX. The fraudulent charges were as follows : 40 each at {$500.00}, 55 each at {$100.00}, 3 each at {$20.00}. 
Chase never notified me of the fraudulent activity. I only found out when my credit card was denied while dining out. Chase allowed the fraudulent charges to continue all month until my account was {$17000.00} over the card limit. ( XX/XX/XXXX statement : {$37000.00} vs. {$20000.00} card limit ). 
This complaint has been ongoing for over a year. I've written 5 letters ( latest copy is attached ), and made well over 20 phone calls. At first Chase said that these fraudulent charges were part of a scam and that Chase would not cover scams, and that I was responsible for all the charges. Later they changed to say that the charges were actually fraudulent, and that the computers had been hacked. They said they had issued a refund ( not true -- see attached letter ; Chase 's numbers do not agree ). Their latest decision ( phonecon XX/XX/XXXX, XXXX ) is that they've done all they can do and too much time has elapsed to continue expending any more effort to resolve this case. It's not my fault that so much time has elapsed. I've been wrestling with Chase for over a year trying to get them to resolve this. According to Chase 's actual statements ( copies attached ), I had to paid {$26000.00} over and above my actual charges ( {$25000.00} fraud plus interest I assume ). Yet Chase has never answered my question as to why I was required to pay {$26000.00} over the amount of my valid charges. See the attached letter for a detailed break down of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial submitted a late payment on my credit for XX/XX/XXXX. I spoke with them in XXXX regarding set up automatic payment and due date change. It was not processed and I actually contact them and made a payment. I have been trying to get this late payment removed off my credit since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
I was reviewing my credit report to see where I stand on my attempts of home ownership and I see two delinquent entries made by LVNV. I attempted to find their address in Nevada and found them in South Carolina under the name Resurgent Capitol.

LVNV is a third party debt collector but I fail to see why are their so many names attached to my two entries and I am disputing the validation of the companies themselves. 
I feel there are some illegal debt collection activities here and asking on a debt collector license and if they are legal in South Dakota to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/2020 I opened a bank account with PenFed Credit Union. At the time I was informed that they would perform a " soft '' credit inquiry that would not effect my credit report negatively. However, shortly thereafter on the same day my XXXX score plummeted. My score decreased 40 points!! This was exceptionally disappointing because I was & still am in the process of repairing my credit. I've written them & have also spoken with the bank 's representatives several times now without any resolve.

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 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian keeps trying to steal funds from my social security every month 6 times a WK. I've called and emailed. They still are doing it. I've changed my depit card they get the info somehow. Need your help. This is theft. I want a settlement of 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 2020-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bepensa Capital, Inc.
State: DC

Complaint narrative:
The debt owed to Afs Acceptance Llc has been paid in full. Credit report states the debt is paid in full as well. However, account remains on credit report of all Credit Bureaus. 

Requesting that this account be removed from all three Credit Bureaus. 

Ive contacted AFS Acceptance LLC previously and no help was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a validation of debt letter to Access Capital Services regarding a debt for XXXX XXXX XXXX that is highly disputed. I disputed this item with the credit bureaus as this debt is almost 10 years old, and that resulted in Access Capital incorrectly asserting this debt is only 6 years old, a clear attempt to manipulate that statute of limitations to continue unlawfully reporting this account. 

The Fair Debt Collections Practices act is clear that they must respond to my validation of debt request within 30 days and prove that this account is within the statute of limitations like they claim it is, to date is has been almost 60 days since my written request and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Synovus Bank
State: GA

Complaint narrative:
I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
complain about AVID ACCEPTENCE. ON XX/XX/XXXX i had agreement with them. as long i pay them my monthly payments. they not going to come after me for late fee. I record as voicemail from their lawyer with this agreement. his name XXXX XXXX. plus i have proof from my lawyer. And i was paying since XX/XX/XXXX or XXXX a month. but on XX/XX/XXXX i receive phone call from avid telling me that i owe to them XXXX dollars as the late fee from XX/XX/XXXX to XX/XX/XXXX when i couldn't pay because i was battle with XXXX ( XXXX and hospital XXXX, XXXX XXXX thru XXXX ) plus covit. was on medical leave plus XXXX. thats why i had that agreement with there lawyer. but the represenative dont care hi said i need to pay XXXX they repossesset the car. and they didon XX/XX/XXXX. then they send me the letter that i broke the promise in our agreement, but i didn'i have proof they did. if they will go after me more i will put this case to court. 
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 2020-11-02 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
We were sent a MyVanilla Debit Card in the mail that was unsolicited. It appears that someone opened up the card in my wife 's name. We contacted MyVanilla via phone and were told that without giving them our personal information, there was not a whole lot that they could do. We did not want to give them our personal information for privacy reasons. They did state that they would pass this along internally for a follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I did a credit check and an inquiry that was made with TD retail card services wasn't by me. Someone either tried to open an account or has opened an account under my name with TD bank. This has also caused my credit score to go down.

Company response to consumer: Closed with non-monetary relief