vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was approved online by Discover card before I left for vacation I. late XXXX, maybe theXX/XX/XXXX or so. The inquiry on my credit report says XX/XX/20. When I didn't receive my card on time I called to find out if I could get my card information over the phone.They said no and I questioned their policy. Once the customer service supervisor realized that I was a XXXX man trying to get credit card information I was already approved for it immediately raised a flag and they began treating me differently. They told me I had to go through a verification process and the card that was already sent out for use would be suspended pending verification from the IRS. I asked what verification they needed because I could provide my own information and they told me they could not tell me what information about MYSELF they were seeking. I made a complaint with customer service twice. They then told me that all customers were subject to this process but not all customers experienced this process. I was confused at how I had managed to be subject to such a process without ever using credit with Discover and I did not even have the card yet. When the card came I had arrived back home in Georgia. Shortly after I received a notice via email that my approval had been revoked for lack of information from the IRS, I then received a letter from the IRS about a request from Discover that they could not provide without my consent. As of now, I am confuse and believe my initial call to request my information and the fact that the customers guessed that I was a XXXX man and I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX for a procedure called XXXX XXXX XXXX, this was suppose to freeze the from my XXXX, I was told by XXXX XXXX XXXX ( owner ) that procedure in question would best work for me. She stated that XXXX XXXX would get me better results with less complications. She did advised me of risk associated with this procedure such as XXXX  as you much XXXX XXXX.She also stated it may not work. She never said anything about the machine can and XXXX  you.She also stated they have many happy client as this procedure is not invasive. She states the procedure is painless and you can lay back and read a book.She states that the machine never touches your skin. I was convinced. I paid {$2000.00} for 6 sessions.1 session it was XXXX  but I chose to tolerated the XXXX. The second session was XXXX also. When I was taking a bath and notice a big XXXX   in my XXXX  which became XXXX. I Went to the Dr. and was given XXXX. I was left with XXXX XXXX XXXX  in XXXX. They refuse to refund XXXX to my Care Credit Card. These are two sessions resulting in my issues. I contacted the XXXX  and other agencies to no avail. XXXX sent me an agreement formstating that they would refund my money, if I would stop bad mouthing them and not sue them. I declined. Please help. Thanks.

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 2020-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I have tried to file for forbearance 4 times and it is going ignored by the servicer. I have tried emailing them and I get no reply. All I continue to get is threatening letters and negative marks on my credit report. I cant afford the payments and they are doing absolutely nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MN

Complaint narrative:
XXXXOpened a dispute with First Advantage stating they were supplying my employer with inaccurate information that they claimed they got from the DMV. I submitted a certified copy of my drivers record showing that I had no violations on it to First Advantage as part of the dispute process.

After several phone calls I was told the information they are reporting is correct. It isn't however as I have proof from the DMV and the court that the information is not accurate.

My employer requested an update report 2 more times after I opened my dispute and they are still sending my employer inaccurate information. This has cost me the position I applied for due to the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA

Complaint narrative:
The Professional Collections Bureau of Maryland took my {$740.00} tax return when I never received any written communication from them and I was unaware they had any involvement with my student loans because I just completed a loan rehabilitation program and have a letter stating that my loans had been removed from default status. Repeated phone calls to this company go unanswered and always go to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: DISCOVER BANK
State: TX

Complaint narrative:
I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
tonight ( XX/XX/20 ) I called Equifax at XXXX to unfreeze my credit file. 
Since my credit is now unfrozen, I asked them about the status of the free credit monitoring services I was supposed to get as a result of the Equifax breach ( I choose that instead of money ). 
The 1st person ( who unfroze my credit ) didn't even know Equifax had ever been hacked. The supervisor he sent me to, tried to sell me a policy for {$13.00} and when I tried to explain that I was inquiring about the FREE service that was promised to me because my credit was accessed during the breach, he said that was handled by a Court Administrator and Equifax knew nothing about it!! I then was sent to another supervisor who said his name was XXXX ( and wouldn't give me more than that because he claimed it was Equifax 's security policy ). He told me the same thing the other supervisor did ( it sounded like the same person ). He told me to call XXXX XXXX XXXX or XXXX. XXXX. 

WHY am I getting a run around from Equifax now that my credit is unfrozen, and how can I find out what protection I have in the form of the free premier credit monitoring package I was promised after my information was compromised during the breach. What on earth are they doing over there!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax responded to a complaint confirmation # XXXX on XX/XX/2020 stating that my XXXX account XXXX was being reinvestigated. It has been over 30 days and as of XX/XX/XXXX the account is still showing reinvestigation in progress. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be deleted due to violation under the FCRA. 
In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Equifax also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts has caused a denial of credit and is also causing me an undue burden in my search for employment. I demand this information be correct or deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Reference # XXXX I contacted Home Depot credit card to discuss the reasoning for their decision. After being transferred to 3 different people I ended up talking to a supervisor named XXXX. My first question was about the credit score.  She could not tell me what score that they were using. Examples FICO  XXXX, Vantage 3.0, etc. The reason I was asking is because the number reflected was not even close to the actual numbers that I obtained from the credit bureau myself. In addition as we looked over my credit report there was conflicting information through out the report and she could not answer my specific questions. How can a company be following the FCRA if they cant even explain their own information to the consumer?

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 2020-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Prime Choice Funding Inc.
State: NJ

Complaint narrative:
Predatory Lending and an absolutely horrendous company to deal with. " Senior Loan Officer '' XXXX XXXX misled us with bait and switch tactics to get us to refinance with them ; he was given all our information for taxes and insurance and quoted us a payment based on the actual numbers. A few months into our refinance, our Escrow was over drafted. When we inquired about it they claimed its because our taxes and insurance changed which they did not ; this led to them increasing our monthly payment by over {$800.00}. It took an act of God to get it straightened out and multiple managers not to mention countless hours of my time on hold waiting to talk to someone who was competant. The best part is, this was only the first of 4 times they've done this to us in the 4 years since we refinanced. Multiple follow up messages to XXXX were either ignored, or he passed the buck to the servicing company to which the loan was sold. This loan was never right from the beginning and has never recovered.

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 2020-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Loan Depot has mismanaged my Escrow account since it began servicing my loan 4 years ago. Multiple times per year they over draft the account only to then change our payments without notice. This has happened 5 times and each occurrence takes weeks of sitting on hold and dealing with numerous people to resolve. In each case the mortgage company has been wrong and yet like clockwork in 4-6 months I'll be having the same conversation with the same issues. Most recently they over drafted my escrow account by paying property taxes I'm exempt from and are trying to change my payment by over {$800.00} to account for it. I opened a customer service a month before they changed the payment because I saw the mistake on my statement yet they provided no resolution and changed our payment regardless. Multiple calls to management have been un-returned and anyone I have spoken to there is rude, unhelpful, and blames me the customer. Its abusive and down right incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Transunion responded to a complaint # XXXX on XX/XX/2020 stating that my XXXX account XXXX has been updated but did not address the actual complaint. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be removed or deleted due to violation under the FCRA. Transunion also has failed to include " notice of dispute '' in violation of FCRA. 

In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Transunion also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts is causing me an undue burden in my search for employment as well as future credit. I demand this information be correct or deleted from my file 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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: NY

Complaint narrative:
When i worked for XXXX XXXX, CFPB compelled us to refund all paper statement fees. I just noticed that KeyBank is  charging me a {$3.00} per month paper statement fee on my Health Savings Account/ HSA debit card account. Is that allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. 

XXXX XXXX XXXX XXXX  XXXX  was the original creditor. We paid all medical  bills before as my credit was 800+ before this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2020 I received an email from PAYPAL informing me that my account I have with them is being " Limited ''. PayPal uses the term " limited '' to mean that sanctions are being placed on my account restricting me from withdrawing or transferring or paying with any funds from my account. In my case that amount is {$5200.00}. They asked me to provide them with my Drivers License and to explain the nature of approximately a dozen transactions -- Which I did immediately. On XX/XX/2020 PayPal emailed my that they are placing an indefinite hold on my money. They gave me absolutely no reason for seizing my money. My account is approximately 2 years old. In my name with ALL correct information including an attached checking account. I have NEVER had a dispute or had a customer complaint. This money was to be used to pay my bills and feed my family. PayPal has committed an act of theft and fraud and I need this agencies help in securing what is rightfully and legally and lawfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: United Credit Education Services
State: GA

Complaint narrative:
I am writing to express my dissatisfaction with the UCES staff in particular an agent by the name of XXXX XXXX. On Thursday XX/XX/XXXX, XXXX XXXX and I were on a social media forum called XXXX and she and were having an exchange of words when she broke agent-client confidentiality and violated my Personally Identifiable Information by revealing in the very public forum of 154 people in her own words " your credit still XXXX because you could not DIY ( do it yourself ). To express that gave the impression that she still access to my personal credit file, that she still had my Social Security number and could pull my credit report whenever she felt like it. I have not been a client of UCES since XX/XX/XXXX, so how would she know the status of my credit information if she did not have access to that type of information. I feel uneasy, disappointed and utterly violated. I contacted the person who brought her into UCES. His name is XXXX XXXX, who then contact his Regional Vice President whose name is XXXX XXXX. They both stated that they would reach out to me on Friday XXXX XXXX and today is Wednesday and I have not heard anything from either party. I will continue to file my complaints until a resolution is made in this very humiliating situation. Whos to say that when she gets in a fit of anger won't do this to someone. This happened to me and I am deeply hurt by the lack of integrity, professionalism, discretion, morals and over all code of ethics this individual failed to display. This person is representing you UCES and I would think you would have acted quickly on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank/Amazon is reporting bad information to my credit bureaus that has caused major harm to my credit. I had an Amazon Store Card years ago and fell behind on payments as a financially struggling XXXX XXXX. I settled the debt with SynchronyBank/Amazon back in 2016 with the agreement to remove the collection and no longer report to my credit. Amazon is still reporting late payments to all my credit bureaus. This is highly unfair and they did not comply to our original agreement. This is negatively impacting my credit. Please Stop reporting this outdated settled account to my credit bureaus.

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 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I never received one bill saying that I owed {$50.00} to this medical office I've been trying to repair my credit and I look on my credit and see that I owe this bill which messed up my credit all up that I was trying to repair.. I get this on my credit report without even a notice in the mail or a phone call for years later which I don't understand why the medical office quit and call me or send me a letter itself saying that I only owed {$50.00} because that would be paid for years ago and now my credit is going to be messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ftc violations 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