vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT

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 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I periodically receive communications from XXXX XXXX company about money owed to XXXX XXXX. This debt was discharged in a bankruptcy. This agency has no phone to call and continues to send letters saying I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a claim for my pay going into the wrong debit card. I was told wells Fargo couldn't not help. A month later I was told the pay was debit from the wrong acct but I was never credited nor notified. I am now waiting 2 months for my pay and wells Fargo doesnt know where they put my money. {$960.00} .

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 2018-06-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX we all know recently closed I had just gotten a credit card within 2 months of them closing had no idea they were closing they reporting it as a closed account and it's being reported on my credit I did not close the account they did because they went to bankruptcy the company said that their standard policy when they file bankruptcy I worked hard to get my credit good and I don't want a bankrupt company to mess it 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 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT

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 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Called EXPERIAN to freeze my credit. They would do so for 30 days for free and then use my credit card charge me XXXX a month. 

I was successful credit freeze with XXXX and XXXX. 


I made the call XX/XX/2018 at 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 2018-06-25 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: CA

Complaint narrative:
Account with XXXX never belonged to me

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 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$5000.00} into my personal checking account. It was nearly double the amount I had in that specific account. Rather than holding this and or checking to see if the check was legitimate, Fifth Third Bank made those funds available almost immediately. The next day, I was able to spend the full amount of need be. In order to fulfill my job obligations, I had to transfer almost the entire check amount into a work associates account. I didnt realize until after this transfer was made that this work associate May not trustworthy. I immediately drove back to the bank ( within two hours of initiating the transfer ) to cancel the transfer. Fifth Third said they would do everything they could to cancel it, but said it may not be possible. I personally dont feel they tried their hardest to stop this also. After notifying them of possible fraud, they looked up the check I deposited for {$5000.00}, and within minutes, they were able to tell the check was a fraud. I feel as though they were negligent, lazy, and if they had a better process for depositing checks, this fraud would have never happened. 

This same day, the XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. Now, Fifth Third is saying the problem is my fault. Theyve already penalized me for this and have taken {$5000.00} out of my account because the check bounced. 

Fifth Thirds policy for depositing checks negligent, and customers should not be penalized for other peoples lack of funds. The checks should be verified as legitimate first before depositing them into any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: OH

Complaint narrative:
Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.

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 2018-06-25 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: OH

Complaint narrative:
Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.

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 2018-06-25 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: AL

Complaint narrative:
I sent a certfied letter to the company XX/XX/2018 I Have Notified This Company By Certified Mail They Responded Back By USPS With A Letter Stating They We Unable To Locate Any Acct For Me ...

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 2018-06-25 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: CA

Complaint narrative:
Account with XXXX never belonged to me

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 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have a vehicle leased through XXXX XXXX XXXX. They had a major problem with their billing system this past winter. I received paper statements as well as online GM website information to monitor my account. Both sources showed my account was up to date. After they fixed their system, I received a new paper statement showing a new amount owed. I immediately payed that amount. I should not be punished for their failure to maintain their billing system. I did everything that could be reasonably expected given the faulty information that I was provided by GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
My husband bought a vehicle back on XX/XX/2011. He is now in a XXXX home and I am getting calls by Synergetic Communication Inc. They consistently call, and they are advising I need to pay. I have asked them on numerous occasions to please stop calling and they have not done so. I am not responsible for this debt. I am a senior citizen and is on a fixed income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In late XX/XX/XXXX I attended a one day seminar sponsored by XXXX XXXX XXXX based in XXXX, MA. The purpose was to introduce how to sell on XXXX and XXXX. There was a heavy sales pitch toward the end to purchase training DVD for {$990.00}. Then, another pitch to attend a 3 day seminar at a local hotel conference center. In XXXX, XXXX I attended the 3 day seminar held by XXXX XXXX based in XXXX, MA. The purpose of the seminar was to show and introduce how to sell on XXXX and XXXX and make a lot of money in more detail. On the 3rd day, a heavy sales pitch on purchasing what was called the XXXX XXXX which included lifetime support, telephone support, product forward/screening prior to shipping to XXXX XXXX and purchasing products to sale all for {$34000.00}. I.e., a pre-paid service. {$12000.00} of this amount was charged to my American Express Business Open account. The XXXX XXXX gave us a Top 500 list of wholesalers and suppliers. I noticed that the so-called 'Top 500 '' wholesalers list the Bowsers gave us were for the most part a dead end list because their " wholesale '' prices from these wholesalers were just too high to be profitable on XXXX . I spent untold hours crunching numbers and using all the tools they showed us and spreadsheets to the point that I was beginning to get suspicious. While these wholesalers were legitimate, they just did not have good prices according to the XXXX Sellers revenue calculator. So there went the Bowsers lie about looking for products is easy takes little time. Later this spring in XXXX, I learned that on XX/XX/XXXX, XXXX and XXXX XXXX XXXX of Washington State, filed a consumer protection lawsuit against XXXX XXXX XXXX of XXXX MA. In XXXX, XXXX, the Federal Trade Commission sued XXXX XXXX XXXX XXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX On XX/XX/XXXX, I contacted American Express and explain this and they refused to assist me. Another major credit card has refunded my money that I use to charge part of the other remaining {$34000.00}. 
Because of the lawsuit, I have lost all my promised prepaid services and support from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY

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 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, Wells Fargo mortgage apparently sold my home at foreclosure auction while I was in an active Chapter XXXX Bankruptcy which I believe to be a violation of the law. The also did so after assuring me that since I was in bankruptcy the sale would be stopped pending the adjudication of the chapter XXXX case. Since that time the " buyer '' has continued to harass me and demand that I leave my home. I do not believe the foreclosure sale was valid. I am still working through legal remedies for the situation but feel that the appropriate government agencies should also be made aware of this practice.

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Diversified constulants contacted my aunt with information about my debt without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
See below statement. We seek immediate removal of fictitious debt from our credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I accidently made an electronic bill pay payment in the amount of {$1200.00} to AMERICAN EXPRESS instead of XXXX XXXX XXXX. The {$1200.00} is my 6 month payment for auto insurance. I caught my mistake on XX/XX/XXXX the day it posted and cleared my bank account. I called AMERICAN EXPRESS right away and explained what I did and they told me that I needed to call XXXX XXXX because XXXX took over the old XXXX AMERICAN EXPRESS accounts. I called XXXX and they told me that the payment I made went to AMERICAN EXPRESS and that XXXX does not have access to AMERICAN EXPRESS bank accounts. I called AMERICAN EXPRESS back and finally got ahold of a customer service person ( XXXX ) who told me that as of XX/XX/XXXX any payments made to the old AMERICAN EXPRESS accounts would be reversed and sent back to the customer within 3 to 5 days. On XX/XX/XXXX I had not received my credit balance payment back from AMERICAN EXPRESS and called them back ( it had been 10 days ). I was again told I needed to call XXXX. 
I went to my bank and turned my problem over to them and they got me on a 3 way call with AMERICAN EXPRESS and we could not get AMERICAN EXPRESS to help us ( me ). My bank did get a fax number and faxed over proof that payment was made to AMERICAN EXPRESS and that they needed to send the {$1200.00} credit payment back to me a.s.a.p. During the 3 way call, my bank asked to speak to the supervisor of the bill payment center and we could never get a supervisor to ever come on the phone. The last correspondence was with a supposedly supervisor who said we had a bad connection and hung up on us. I told the back that we would give it a couple of days to see if we could get a response back from AMERICAN EXPRESS. 5 more days have passed and I have not heard back from AMERICAN EXPRESS or my bank. 

It has been 18 days since making the accidental payment and I can not get AMERICAN EXPRESS to open an investigation and send my payment back. When I use the automated system for AMERICAN EXPRESS it states that I made a payment for {$1200.00} on XX/XX/XXXX with XXXX balance due. Yet, when I talk to a " live '' person they say they can not see my account? Once AMERICAN EXPRESS sees that I made payment to their bank on a closed account and they do not have anywhere to post it, it should be clear to them that the money needs to come back to me. 


I need HELP getting this cleared up with AMERICAN EXPRESS. 


Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial is my lender. They failed to process an automatic payment, charged me more than I owe ( by double the amount ) and then disconnected my call multiple times when I called in.

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 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
During the month of XX/XX/XXXX, Wells Fargo transitioned my mortgage account from a Home Equity Loan to a Home Mortgage Loan, during this time, they canceled the lender- placed insurance they had on my property effective ( XX/XX/XXXX ). On XX/XX/XXXX I called Wells Fargo about my insurance payment, I was told there would be no payment for 45 days, so I obtained other insurance for the property. I Received a letter in XX/XX/XXXX, thanking me for providing evidence of hazard insurance coverage on my property, but their records show a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, an insurance charge of ( {$110.00} ) may be charged to your account for that time period. I received a letter in XX/XX/XXXX stating the ( {$110.00} ) XXXX XXXX XXXX dollars will be divided into two payments, beginning with the XX/XX/XXXX mortgage payment. 

My complaint is, how can they charge me for insurance coverage they didn't provide during that time period because they cancelled the policy without indicating or notifying me of what would happen once the lender changed, or obtaining my consent to proceed. 

During the transition period from Home Equity Loan to Home Mortgage Loan there was an advance balance of ( {$1900.00} ) that the Home Mortgage Loan absorbed, this also was insurance charged, but no coverage. It was retroed back to the first day of no insurance, whether they provided insurance coverage or not.

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 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
this is a very old debt that is being sold and resold to debt collectors that like to fish for money.,

Company response to consumer: Closed with non-monetary relief