vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: CO

Complaint narrative:
While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. 

I called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.

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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/18, I purchased four tires using an XXXX XXXX XXXX credit card from XXXX XXXX. The retailer, XXXX XXXX XXXX, was advertising a " {$100.00} Synchrony Car Car prepaid Visa card by mail '' if I used the Synchrony credit card. On XX/XX/18, I mailed in the application for the prepaid card. The application states to allow 6-8 weeks for the card and it has now been longer than that. I called the number on the  rebate form to inquire about the status. After 25 minutes, I was told I reached the wrong department in the rebate center and was transferred. After 30 more minutes on hold I was told the department I reached was just for General Motors and was transferred again. After another 30 minutes on hold I gave up.

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 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paul Michael Marketing Service
State: NJ

Complaint narrative:
I was contacted by XXXX XXXX XXXX about an outstanding bill in a letter dated XX/XX/2018 when the bill was paid on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: NY

Complaint narrative:
This complaint regards Chases failure to remove a disputed charge from my credit card for an online order that was never shipped nor received. Pursuant to Chases terms of service, customers are not required to pay for charges that are the product of fraud or mistake, so long as the customer makes a good faith effort to correct the issue with the merchant and files a billing dispute with Chase. I have taken all of such steps, as outlined below, but Chase has repeatedly refused to remove the charge from the account. 

I placed a {$2600.00} order on a Chase credit card for balloons purchased on XXXX. Though the card was charged, the balloons were never delivered. I contacted both the merchant and XXXX seeking a refund, but the parties refused to refund the money. Following the procedures outlined by Chase pursuant to a phone call on XX/XX/2018, I filed a dispute to the fraudulent charge. I then remained in contact Chase to resolve the dispute, as outlined in the attached documentation and timeline of events. Between XXXX and XX/XX/2018, I disputed and redisputed the issue at least five times ; each time, Chase rejected the dispute via a form letter. In total, I made in excess of ten separate attempts to communicate with Chase about the issue ; such communications were met with confusion, frequently misplaced records, and in one case a manager who screamed at me over the telephone. Though Chase itself was solely responsible for the protracted process, it now claims that no credit can  be provided for the charge because too much time has elapsed from the transaction date. The incident has cost me significantly due to the fraudulent charge, need to purchase the product elsewhere, time expended, and legal fees in seeking a satisfactory resolution from Chase. 

Given my diligence in addressing the issue and Chases repeated failure to respond to the problem in a satisfactory and timely manner pursuant to its obligations under its terms of service, I am requesting that the CFPB aid in ensuring that Chase remove the fraudulent {$2600.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 at XXXX I contacted State Collection Services in regards to a medical bill on my credit that was so to them. I was told in order to settle this debt they would have to get approval from the original debtor and it could only be discounted 30 %. I put in an offer. I then called XXXX XXXX Hospital in XXXX Illinois billing which is the original debtor on XX/XX/18 at XXXX to confirm this was in fact a true practice and I was told they had nothing to do with how the debt is handled. I also proceeded to ask to speak with the manager and was told " she '' was out of the office until next week. So I called State Collections back on XX/XX/2018 XXXX XXXX  to check on the status of the settlement. I was told that it was denied and that a counter offer of a different amount was offered. I questioned when this was approved and they informed me they got an answer back on a Saturday XX/XX/2018. I didn't feel like I was being told the truth. So I attempted to verify this with the manager on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and each time I was told that the manager has not received anything from State Collection Services. So after numerous attempts to actually speak with the manager my last call was placed today XX/XX/2018 at XXXX where I was put on hold for quite a while. The first time the receptionist got back on the phone I was told that they still have not received anything from this company. I then was placed on hold again and at this point I was told well we received an offer and what they said is what we approved. So I believe they lied to me and because they hired this company so to save face they went ahead and confirmed what to me is a lie. On top of that the amount I was told that was offered today was different form the amount offered when I spoke with them on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PINNACLE RECOVERY, INC.
State: PR

Complaint narrative:
I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Today 6 times I called Capital One to get my {$99.00} refundable security receipt. I spoke to a girl in their " executive suites '' and all she did was lie to me and interrupt me. 
I want a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: OH

Complaint narrative:
CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 
1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 
1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT.

WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE  JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. 
As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. 
They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. 
Charged me late fees when I was never late due to auto-pay. 
Have not completed CIT tickets so I can bring my account current.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Syncb/walmrt Inquiry from XX/XX/XXXXSyncb Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from 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 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I found out in XX/XX/2018 that XXXX XXXX XXXX had 2 accounts in collection noted on my credit report. In XXXX, they sent me a letter about the accounts which I returned via certified mail requesting validation of each. Nothing came. In XXXX, I resent the letter via certified mail requesting validation under the FCRA, they sent a letter stating " their records are accurate and correct '' but nothing else. I returned that letter stating this was not 'validation ' under the FCRA and they must immediately remove the listed items for failure to validate per the FCRA XXXX again, they sent me a collection letter and we repeated these actions in XXXX, XXXX and XXXX. I am done! They can not validate these accounts and sending me a letter stating " Our files are accurate and correct '' is not validation, they simply can not validate and therefore must remove immediately. Thank you. I can submit backup docs upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My Barclays Bank of Delaware Rewards MasterCard account was sold to a unsavory financial institution, without my consent. I pay my monthly bills. I asked them why, they told me my account was sold as part of a larger purchase by the other financial institution. I asked why my account they said they couldnt tell was just a bank transaction. No details were given to me. I asked them if I could just close my account so Im not paying such high interest they said the could close my account but would still be under the new bank as of XX/XX/XXXX. Offered me no means of just paying Barclays ( the actual bank for the master card ) and told me was not able to work debt settlement with me anymore. This came out of the blue, I make my payments and pay ridiculously high monthly interest. I feel betrayed, I have Visa card with them that is not involved in this buy out? They said the reason the visa was not sold was because it was opened through 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 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I discontinued service with XXXX in XX/XX/2017. The account was paid, equipment was sent back and the account was closed with a XXXX dollar balance and in good standing. XXXX sent I C Systems ( a collection agency ) an account in my name and claimed I owe them {$440.00}. This is false. I confirmed with XXXX directly that there was no balance owed. The reference number for this interaction is : XXXX. My credit score was severely affected by this. I lost over 50 points of my credit score due to this. I filed a dispute with XXXX and they sent me an email claiming that the debt is valid which tells me that there was not a proper investigation considering the fact that I confirmed there was no balance myself. As of the moment this is being written, the FALSE collections account has still not been removed from my credit report. My husband and I are applying to purchase a home in 3 weeks and due to the negligence of XXXX, and in my opinion, the negligence of XXXX in their investigation, my husband and I may have issues qualifying for a mortgage. I have worked tirelessly to build my credit score and for a false report to destroy it is just unbelievable. I have never missed a payment or even had a late payment. I have done my due diligence. How can a company send a made up balance to collections and ruin a persons credit score under false information and not be help responsible?

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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XX/XX/2018 Shermeta Law Group XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX Shermeta Law Group Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that Shermeta Law Group has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

Letter of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed Shermeta Law Group via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received from Shermeta Law Group has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to Shermeta Law Group general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either Shermeta Law Group or the Chief Compliance Officer, even though I requested them to email me a response. 

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from Shermeta Law Group. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have Shermeta Law Group 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that Shermeta Law Group has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to Shermeta Law Group 's and Capital One 's response to this CFPB complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I had tickets for an event which happened on XX/XX/2017, two days before my XXXX family members became sick and were not able to travel and attend that event. I have submitted a claim for {$970.00} under my Citi Card Benefits and it was assigned the Request # XXXX on XX/XX/2017. I have provided all requested documentation to support my claim, including doctor notes. I have contacted the Citi Benefits about this claim 4 times, and every time they made me resubmit the same documents all over again. Last time the Citi CSR requested a proof of tickets cancellation, which can not be possibly obtained since those tickets were non-refundable and non-returnable, therefore no a way to get any cancellation 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 2018-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a late payment on XXXX/XXXX XXXX card XXXX I have called XXXX XXXX and this is not accurate the account has never been late ever. How can Equifax report such inaccurate data? I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
Creditor is trying to illegally collect a debt without providing validation nor verification, along with other documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Second Round Limited Partnership, Austin, TX Branch
State: PA

Complaint narrative:
On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.

Company response to consumer: Closed with explanation