vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019. 

MERCHANT NAME - XXXX ... GBP  XXXX ( XX/XX/2019 ) - XXXX .. GBP  XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX  XXXX  XXXX  ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP   XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP  XXXX AND GBP  XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME. 

HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND. 

WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on 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 checked 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 monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Michael Haynes & Associates, LLC
State: CA

Complaint narrative:
This agency is harassing me over a 10-year-old debt, which is pass the statute of limitation. Their first point of contact was XX/XX/19, and I have not received a written verification or proof of my debts, which they advised they have sent. I am aware that they must send in writing a verification letter within 30 days of the initial contact and collection calls must be stop until the debt is verified. This company has continuously called me and several of my family members with threatening messages. 
This company violated my rights and exposed to my family members information about my debt, which is private information. The law protects states that it is illegal for debt collectors to disclose the existence of debts to anyone other than authorized individuals. I have voice recordings to prove my case. 
I believe this company is a scam and I am requesting that they cease from any contact with me and my family members.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
On XX/XX/19, after filing a complaint about Account Resolution Services, I learned they are trying to collect a debt that should be issued to my daughters father. Im not married or never was married to her father. We do not live together. My daughters father XXXX XXXX, received all the bills, signed financial responsibility for this debt. The bills went to his home address, and he did not pay them. Account Resolution Services put this debt on my credit report not XXXX XXXX credit report. I was never given the opportunity to resolve this and now they are not reporting accurate information. The debt is for XXXX XXXX. I did not sign financial responsibility for this debt, this was not on my insurance. Why is this not on his credit report???!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NY

Complaint narrative:
XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NY

Complaint narrative:
XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am an Experian member ID XXXX. Experian is reporting a Medical debt from XXXX XXXX in the amount of {$500.00}. XXXX XXXX has been paid and stated all three credit bureaus have been contacted and to update and delete. XXXX  sent me a letter stating deletion. Will attach. Only Experian after disputing refuses to delete. 
Experian has 2 inquiries on my credit report past 2 years old. Online Experian states can not dispute online. I have called numerous numbers can not get a real person on the phone. 
Experian has recently reported a late payment from XXXX on XX/XX/2019. I have not had XXXX for 4 years. No contact with XXXX. They have allowed XXXX to report this now my account has been reset to XX/XX/2019. There is no contact or payment arrangement with XXXX. Yet Experian continues to update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I keep a close watch on my credit/credit score to keep in good standing. I received a notification from XXXX XXXX that a new collection was on my credit. When I looked it was from Wakefield and   associates from XXXX XXXX XXXX XXXX XXXX at XXXX. I had not been to that doctor in over 2 years and was sure I had paid the final bill. I first called the dr office to confirm I had paid {$120.00} from my final bill. She said yes the amount had been paid and she called the collection company to confirm they had the information on my payment and I did not owe anything. She came back on the line and said the amount owed to them was {$27.00}, that was a collection fee. Why am I getting a collection fee on a bill that was paid in XX/XX/XXXX from a bill from your dr office? I was then told in XX/XX/XXXX my bill had been turned over to collections. I paid in the dr office in XX/XX/XXXX from the XXXX bill I received from the dr office and was never notified by the dr office or collection company my bill went to collection. I was then told the bill was taken out of collections and opened back up through the dr office and the amount was applied to my account. Now almost 2 years later I get a notice on my credit for a collection. I call Wakefield and associates who proceed to tell me that they sent a notice in XXXX and XXXX of XXXX, grant it the mail does get lost, I never received anything and nothing on my credit until XX/XX/XXXX, which shows my collection from XX/XX/XXXX. So I ask this lady about the {$27.00} that is owed, why am I getting this when I paid the bill to the dr office and never had any knowledge of it ever going to collections? She said she didnt know but it must be a fee from the dr office. I said No dr office said I paid them in full and this was a fee from Wakefield. I ask can you please send me something on this showing this amount? I was told we did in XXXX. Ok can you send me something now, I ask again and she proceeds with so youre disputing this? I finally found out from the lady who handles the collections at the dr office that this is the fee the dr office pays to Wakefield to have them collect the money for them. Why should I pay them a collection fee when I was just told from the dr office that they pay this. It has now been about 5 weeks since I found out about this collection and have still never received anything no mail, no call from the collection agency but yet they put it against my credit. I do not feel I owe this as I did pay the bill and was never notified by either company of the collection. I will pay it to get it off my credit because I cant afford to have my credit go down when Im trying to buy my daughter and I a house. But I feel something should be done about these companies, this is not normal business practice and it hurts people who are trying to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX  account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX   BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Hello, I already have one complaint with you numberXXXX regarding opening an account at the bank capitaone on my name but I can not choose my money and today I wanted to sign up for an account and I found out of this account number-XXXX  no longer exists, I want to know how Is it possible for someone to cancel my account and my money disappeared I have my as a fraud from someone from the bank capitaone? Thank you for your reply XXXX 's contact : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The amount was paid in full through my financial institution bill pay on date due. The account number was changed. Synchrony Bank/SteinMart was able to submit and withdraw the full amount. A phone call was made to representative, XXXX ID # XXXX on XX/XX/2019 waiving the fees. However fees continue with finance and and interest charges to date. Two written letters have been sent to the company with explanation. I explained that I will not accept phone calls only through written documents. I continue to ONLY receive billing statements no written letter. I always pay this account in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Purchase was made from XXXX on XX/XX/XXXX  using PayPal Credit Card. It was placed online for some cat shelves. The amount is {$640.00}. Item will not be shipped until XXXX XXXX. I cancelled and requested refund. This was denied. I was told I would have to receive item and return it. I would get a refund 30 days after it was returned. I was not told it would take this long to receive it or the return policy. I disputed the charge with PayPal Credit Card through PayPal and Synchrony Bank. I have sent faxes and mailed dispute form. It has been ignored. 
This is a lot of money for me. I can't afford to lose that money or be without it for this extended period of time. I'm on a fixed income and am 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 monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/2019, a Cashiers Check was sent to Synchrony Bank to pay my existing balance of {$1300.00}. On XX/XX/2019 I called the company to inquire why the payment had not posted. They said the check must have been lost in the mail. On XX/XX/2019, the bank put a stop on the first check and created a new Cashiers Check and sent it XXXX which was received on XX/XX/2019 by Synchrony Bank. On XX/XX/2019, both checks were deposited but I was only given credit for one. When the " stop payment '' check was returned, they reversed my payment. I have called them multiple times in an attempt to correct the issue. My bank wrote a letter and included copies of both checks and the status of each. To date, Synchrony Bank still shows me owing a balance of {$1300.00}. The people at customer service see the issue and agree with me but the payment processing group WILL NOT fix the problem. They will not give me credit for the check which did clear the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: MD

Complaint narrative:
On Wednesday XX/XX/2019 I attempted to open an online Discover savings account. During the process, it asked me to initiate a one-time transfer from XXXX  XXXX XXXX for {$15000.00} to fund the account. Near the end of the process, the application errored out. I was unable to get an account number or log in info- nor did I receive any texts/emails that an account was opened. I called in to get the information. I received the account number and then was able to register and create an account online. After this, I checked my transfer activity- there was no transfers listed. So I initiated a one-transfer for {$15000.00}. Today on XX/XX/2019 I see that now my transfers were completed twice- overdrafting the linked account. There was no indication that 2 transfers were pending or occurring. Even logging in, it only shows one completed transaction of {$15000.00}. This bank 's technical difficulties have overdrafted my original linked account, without letting the consumer know that an account was even successfully opened! I would never have known if I didn't call in right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing charges related to my purchase made with XXXX XXXX XXXX using my Capital One Mastercard. There was an authorized charge that was made on credit card in the amount of {$700.00} ( original purchase made in the amount of XXXX XXXX ) billed on XX/XX/ 2019. I am not disputing this charge as the purchase receipt contains my signature ( see attachment ). And this charge was settled with Capital One. 

There was an additional charge of {$650.00} from the same merchant -- XXXX XXXX XXXX, on XXXX XXXX, 2019. This is an unauthorized charge to which I did not agree. The receipt provided by the merchant is not signed by me see attached receipt. I have reported this charge to Capital One requesting that it be removed from my account. Capital One has declined to remove these charges from my account. They have never explained to me why I should have to pay for a charge that I never signed off on. Instead, they require that I provide the following documents to settle my case : 1 ) Purchase agreement 2 ) Cancellation policy 3 ) Refund voucher. 

This is not a reasonable request, as these charges have not been authorized by me, and therefore have no associated purchase agreement, cancellation policy or a refund voucher. 

I request that the original charge of {$650.00} and the resulting interest charges be removed from my account. I have been in regular contact with Capital One since XX/XX/ 2019, and have been unable to settle this dispute. 

I am attaching a copy of my original statement showing authorized and unauthorized charges from this merchant, along with a receipt for authorized charges, and a receipt for unauthorized charges. 

I look forward to the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I enrolled with freedom debt relief hoping I could be debt free within a year and purchase a home. My American Dream, well I enrolled with the company 6 months ago paying XXXX a month estimate including hidden charges I wasnt aware of. Not one of my 6 accounts wherein the 6 months there was zero settlements. Before Freedom Debt I had zero late payment and a good credit score around XXXX. Now my score is terrible with more debt and facing bankruptcy. Now I caught new they are facing a class-action lawsuit. I need help recently wrongly terminated and retaliation on at my employment further comprising my status. I have finally received unemployment because won my appeal. But all the money just goes straight to child support and everything I am behind on. I know this is a lot and I can go into details but you get the idea! I am caught in the system of never ever reaching my American Dream is now gone in the wind.. Thank you please help me! SINCERELY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Hi my name is XXXX XXXX, Date of birth XX/XX/XXXX, I own a XXXX  XXXX XXXX that was recently damaged due to the natural disaster in XXXX county and have been diagnosed disabled every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
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 : XX/XX/XXXX XX/XX/XXXX 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 checked 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