vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had taken opened a credit account with SYNCRONY BANK / CARE CREDIT for the purpose of having a dental implant done at XXXX XXXX XXXX XXXX XXXX   with the owner and practitioner XXXX XXXX XXXX. I made one agreed upon purchase with the CARE CREDIT card for {$2200.00} which was for a complete implant procedure. XXXX XXXX would tell me that I needed additional procedures to continue with the XXXX  only after the original charge was made. He charged for " XXXX XXXX '' which was only a XXXX. XXXX  XXXX placed my XXXX  incorrectly, removed it, charged me {$500.00} for a XXXX XXXX, replaced the XXXX  and told me he needed an additional {$1700.00} to complete the procedure with the XXXX  and XXXX. I called CARE CREDIT and disputed the transaction as I no longer trusted or had confidence in XXXX XXXX. He was also refusing to finish the procedure for the agreed upon price. CARE CREDIT investigated my dispute and released the dispute in the doctors favor citing a patient ledger XXXX XXXXI sent them stating that he completely finished the procedure including XXXX and XXXX. I never received an XXXX  or XXXX. XXXX XXXXI did not finish the procedure and sent CARE CREDIT a falsified ledger showing that he did. CARE CREDIT told me there was nothing I could do about it. My credit is ruined, I have been XXXX  on by XXXX XXXX numerous times with bad results and no completed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Capital Accounts. I requested a validation on XX/XX/XXXX as I do not believe that the account belongs to me and/or was not paid by my insurance. On XX/XX/XXXX I reviewed my credit report again which was updated to reflect that the account was being disputed however I never received validation of this debt nor HIPAA authorization from them. A 2nd validation request was sent out and when I reviewed my credit report again on XX/XX/XXXX the account was still reflecting on my report as disputed with no validation information received by me. Based on their failure to validate this account adequately I would like this account removed as this account is still reflected on my credit profile and continues to negatively affect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-01-10 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: FL

Complaint narrative:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXt XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student.

Status divorced should be removed.

Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file.

Problem with fraud alert or security freezes placed without my authorization should be removed.

Showing a delinquent account when it's not.

Account balances being reported incorrectly.

Lenders management of accounts reporting incorrect information causing negative impact to credit files.

Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment.

Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-01-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed  for a reasonable conclusion has been determined.

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 2019-01-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian claims it verified 2 collection accounts reported on my credit profile, one with XXXX XXXXS and the other with XXXX XXXX XXXX XXXX. 

I sent a Method of Verification request, which they received on XX/XX/2018. By law they have 15 days to comply with my request, ot delete items from my credit profile. 

To date neither has been 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 non-monetary relief
Consumer complaint received 2019-01-10 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: DISCOVER BANK
State: MI

Complaint narrative:
The following charges were made fraudulent by someone who stole my wallet. Discover bank refuses to credit be back the charges. 

1 ) XX/XX/XXXX {$15000.00} XXXX XXXX ( XXXX XXXX, NY ) 2 ) XX/XX/XXXX {$360.00} XXXX XXXX ( XXXX XXXX, NY ) 3 ) XX/XX/XXXX {$510.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 4 ) XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX ( XXXX XXXX, NY ) 5 ) XX/XX/XXXX {$660.00} XXXX XXXX # XXXX ( XXXX XXXX, NY ) 6 ) XX/XX/XXXX {$800.00} XXXX XXXX ( XXXX XXXX, NY ) 7 ) XX/XX/XXXX {$190.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 8 ) XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 9 ) XX/XX/XXXX {$300.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 10 ) XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 11 ) XX/XX/XXXX {$21.00} XXXX XXXX XXXX ( XXXX XXXX, NY ) 12 ) XX/XX/XXXX {$15.00} XXXX XXXX XXXX ( XXXX XXXX, NY )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
As an uninformed XXXX-year old, I took out student loans through Sallie Mae for my XXXX degree between XXXX and XXXX. I was not well-informed on the difference between a fixed-interest rate and a variable-interest rate, and was thankful for any loan that would help me pay for my college degree, as my family could not help me with tuition. While I was in school, the interest rate on one of my Sallie Mae loans sky-rocketed to 14.75 %, which quickly caused the loan amount to double from {$20000.00} to over {$40000.00}. I was eventually able to refinance this loan to a lower, fixed-interest rate through a different company, but am stuck paying off $ XXXX in interest before I can even touch the actual money that I borrowed. In the last three years, I have been able to pay off a little over {$5000.00} of this loan. 

I have three additional loans that were taken out through Sallie Mae ( one each year of my undergrad ). These loans were sold to Navient approximately 3 ago where their interest rates remained low ( at first ), but still variable. Over the past year and a half, I have watched my interest rates slowly creep up higher each time I begin to make some progress in paying down one of these loans. I had to enter interest-only payments in order to be able to ensure that I could afford payments. I was eventually able to start applying extra to these loans each month, and although that amount was small, it allowed me to pay off {$10000.00} over the course of three years ( XX/XX/XXXX - XX/XX/XXXX ). Unfortunately, over the course of those three years, I have paid Navient a total of {$22000.00}. Please note that this amount only includes those payments made since Navient has taken over these loans and not any money that was paid to Sallie Mae. 

I have continued to try to refinance these loans for fixed interest rates including applying to Navient itself, as I received a mail notice that I was applicable to refinance. Unfortunately, despite an excellent credit score and a perfect payment history, I have been turned down over and over because I do not have anyone that can or will cosign for me. As an XXXX, I do not make a large income. At this point, just over half of each month 's paycheck is immediately allocated to student loans ( both private and federal ). As of today, my interest-only payments have ended on these loans with Navient. Not only has my required monthly payment doubled from {$350.00} to {$700.00} ( I was previously paying {$500.00} per month in order to work on paying them down ), but the interest rates have once again increased 0.25 %. 

If I am not able to get these loans refinanced, I fear that the interest rates on them are going to skyrocket like the previous one did under Sallie Mae 's management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
my mortgage has been paid off since XX/XX/XXXX through the bankruptcy of XXXX XXXX. Ocwen reported this to IRS that the debt has been paid in full. my property has a pre-foreclosure notice since XX/XX/XXXX and I sent Ocwen a " written request ' to justified the mortgage debts that balloons up to {$3.00}. XXXX. Today, XX/XX/XXXX, I received their response and have no intention to correct any errors on their records. Ocwen fraudulent misrepresentation is still continuing to affect homeowners of their deceptive practice of collecting a paid off debt. The XXXX XXXX penalty is not a deterrence for them to follow the government regulations, for Ocwen, it is still business as usual even though there was a pending lawsuit against Ocwen in Florida by CFPB, not updating their records through their use of technology that spits out incorrect information that damage homeowners as a whole. I can provide documentation to prove their misconduct. 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 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weinman Acquisition Group
State: IA

Complaint narrative:
Received a voicemail on XX/XX/2019 at XXXX XXXX from " Unknown '' number, caller identified her as " XXXX XXXX '' but did not state a company, she stated a docket number and that there was a complaint registered against me and I needed to call to discuss pending actions. 

My husband then received the exact same voicemail for me at XXXX XXXX, at XXXX XXXX my ex husband received the same voicemail as well. All of the exact same scripted call from " XXXX XXXX '' I called them back and was told it was an answering service for a building of 15 businesses, they asked for a reference number, I gave it and was transferred to " XXXX '' with " XXXX XXXX XXXX '' I asked her for a validation letter and she refused stating they had sent one in XX/XX/XXXX. She stated that I called her and would have to verify my SSN, I told her I was not comfortable. She became hostile and told me that they would just serve me papers in the next 24-48 hours. I asked her for her last name and she hung up on me. 

My husband then called and also received XXXX, she then gave him my full SSN # and asked him if that was correct. Then told him she didn't appreciate him calling her and that she had just gotten off of the phone with me and they would just follow through with legal action and " to have fun in court '' I then tried to call them back in order to obtain a validation letter but my number had been blocked, I then called from my work phone and received the same front desk, gave him my reference number and he then said they weren't answering their phones, I told him that XXXX had given my full SSN to a third party and I would like to speak with her, he stated they were not available but would try again and instead hung up on me. I then tried to call back but they had then blocked my work number also, I called from another phone at work and was hung up on immediately after each try until they blocked that number too. I called from a co-workers desk and was immediately put on hold and then hung up on, same thing with another co-workers desk and then tried to call from my friend 's cell phone with a different area code and was prompted to leave a VM, when I didn't, he then received two calls from an " unknown '' number back to back with no voicemail. 

They also blocked my husband 's phone number as well.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MST Financial Services, L.L.C.
State: MN

Complaint narrative:
I have pulled my credit report and see XXXX XXXX XXXX has listed 12 debts they say I owe from the state of XXXX. I now reside in the state of XXXX, which is a closed boarder state for collections. I understand they are not allowed to contact me for any collection purposes by phone or mail. It is a violation of the Fair Debt Reporting Act to continue reporting a debt to the credit reporting agencies if it is not validated. I sent a letter to XXXX on XX/XX/2018 asking them to validate the debt and if they can not to completely remove the debt from my credit file. Since XXXX  is a closed boarder state for collections, they were in violation of contacting me when they sent the XX/XX/2018 letter addressing the debt validation. They should not have contacted me which then should also have made them remove the debts from my credit reports and stop all attempts to collect the debt.

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 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Starting on XX/XX/2019 I began accumulating mass amounts of overdraft fees and it was all due to my mobile app and online banking not reflecting appropriate balance info when I was logging in to check prior to purchases. Now after the initial overdraft fee I continued to be assessed fees until XX/XX/2019 and in total had 5 overdraft fees. 2 of these fees I was aware of prior to withdrawing money however the others were done wrongfully. I feel lied to because of the online information being wrong. This is the 2nd time I've had an issue with pnc bank over charging me on overdraft fees and all due to how the mobile app and online banking process things. Of course the PNC employees did nothing. I love having PNC as my bank because when I do need to use the overdraft coverage it does help which is why I was expecting the two overdraft fees from cash withdrawals. However because of this huge amount of overdraft fees I'm missing money for bills which upsets me greatly. It isn't fun feeling like you cant always trust your financial institution. I want to be refunded 3 of the overdraft fees due to the way the mobile and online systems have processed things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unable to obtain a copy of my free annual credit report from Equifax. Have requested two times in XX/XX/2018 ( XX/XX/XXXX and XXXX XXXX ) and still have not received a copy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
This company and a third party have only in the last year and half attempted to collect a debt that I paid off 5 years ago. What is also disturbing is that they are not contacting me at home address or phone number associated with the original debt. They are sending all information to my parent 's home ( we live in separate states ) and calling my parent 's home. I have called them company personally and sent numerous letters to have them stop this practice, but they have not abetted. Furthermore, I have asked them for more information regarding the debt ( any paperwork they have ) so I can properly dispute this because I have already paid the debt. I have heard nothing from them on this front, but they keep sending correspondence to my parents and calling their home.

Company response to consumer: Closed with explanation