vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am having severe financial problems right now and being called 5-6 times a day and left non stop voicemails is not going to help me pay my debt any sooner. Do not answer or call back because if your company is this harassing without a phone conversation I do not want to speak with you about when I can pay because you will probably call and harass me even more literally XXXX. until XXXX and this is 5-6 calls from one number but your company calls from different numbers so I am probably receiving atleast 10 phone calls a day which is ridiculous. Your constantly waking my newborn baby by calling all the time. Between the number listed above XXXX, XXXX, and XXXX these are the dates and time of calls received daily just within the last 11 days. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) I am sure I probably missed some because you call off multiple numbers but 89 calls in the span of 11 days is ridiculous and beyond harassment especially for a debt of maybe {$300.00} dollars.

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 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card advertised a promotional to open a new account. The ad ran as " dollar for dollar cashback match '' for the first year. I opened the account in XXXX. My first bill was for $ XXXX. I received {$.00} cashback match. Didn't make any sense so I waited for the second bill where I had charged $ XXXX and paid the bill two days ago, so reviewing the bill was fresh in my mind. I have an excellent credit rating. I was listening to XXXX apx. XXXX XXXX. this morning, CDT, Saturday, XX/XX/XXXX. The commercial again repeated, " dollar for dollar cashback match ''. I called Discover and was told it is not " dollar for dollar cashback match '' it is 1 % cashback match. 1 % of XXXX pennies is XXXX cent, not XXXX pennies. So my most recent bill was $ XXXX, my credit match is {$3.00}. This is NOT dollar for dollar. I explained this to two Discover agents, who reiterated the cashback match is 1 %, NOT " dollar for dollar cashback match '' for the first year, as repeatedly advertised. This is completely false advertising, a gimmick to hook in new customers and is completely false. Having repeated the same information 3 times to two different agents, I simply said, this is deliberate false advertising, am filing a complaint. No where on their commercials is 1 % cashback match EVER mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Equifax fixed a dispute on my report involving XXXX XXXX XXXX. XXXX had been applying my payments to the wrong account. XXXX admitted this error and corrected it internally. XXXX has been slow correcting the error with the Credit Bureaus. On XX/XX/XXXX Equifax again listed the account as late. This error is unacceptable the account is not 30 days late. Equifax needs to immediately fix this error. Will be filing complaint with Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been looking for a job for over 10 years and when tgey contact ne back they seem to say the same thing that i am overly qualified. And when i fill out for credit they say tgat it's derogatory remarks. I have really never had a credit card. and there are bad things sent and said on my report. And it's not fair. And yes i am XXXX- XXXX XXXX XXXX whatever. It's not fair. I am XXXX years old abd do not own nothing. I don't wont to die without a chance to be a real American.

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 2018-12-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent 3 letters in the past 3 months to all 3 Credit reporting agency 's. I get either no response or just printouts of my credit reports with no changes. I have proven my citizenship, personal identity and everything they have requested and still receive no response or change in my credit reports. I have old addresses, old jobs, tons of credit checks which were not authorized by myself, they still do nothing. A posted Bankruptcy, which the Federal GOv't does not give to the Credit UNions, which is actually illegal to be posted on my credit report saying the Bankruptcy COurt did it. This is just a started.

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 2018-12-22 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
In XX/XX/2018 I ordered and received six bottles of XXXX beverage product at a cost of {$200.00} and I paid with my Discover Card. The order was delivered by XXXX. It weighted 24 lbs. 

Discover Card charged me {$1000.00} for this order. I disputed the charge ( Dispute case number XXXX ). I provided the XXXX  proof of the shipment weight and details about product itself. A {$1000.00} of product would have weighted 120 lbs. Discover Card will not tell me what they claim I purchased for {$1000.00}. 

I called the vendor twice and they orally admitted the mistake and promised to correct it. They did not correct it. I wrote to the XXXX legal department asking for a correction. They did not respond. 

Discover Card has threatened to ruin my credit ( FICO ) score which is now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On the date of XX/XX/XXXX received a certified letter stating that I have a Notice of Intent to Foreclose. It stated this was for non Payment of Portage for XXXX and XX/XX/XXXX.I immediately contacted Their loan department and did make a payment. I informed the customer service representative that i was not aware of any non payments. I have been on automatic withdrawal ( ACH ) since I purchased this property, over 13 years. I have never missed a payment. The automatic withdrawal discontinued without my knowledge and i would like to know why. I have notified my bank and they are unaware of any stop payments. They also stated that it would have had to come from the department who is in charge of all ACH withdrawals. I asked to have this situation to be rectified immediately so it will not have any negative impact on my credit. 
I personally called the Rep at the Mortgage company, and asked what happened. I was then informed by the rep, " don't you check your bank account? '' I replied, " I don't need too, i don't live paycheck to paycheck, i know what is in my account. '' I was also informed in a separate letter that I will be having approximately XXXX dollars a year added to my mortgage payment for " mandatory flood insurance '' if i don't get it within 45 days from the date of the letter from another company. I do not believe it is lawful to mandate " flood insurance '' especially since i never signed up for this upon the original purchase contract of my home. 
To make it worse, the company sent me an offer via email to purchase my home cash for {$38000.00}. It is my belief, that the mortgage company initiated the reversal of my electronic payment, sat on it, for two months. All in order for me to default on my home and them to offer me {$38000.00} for a buy out. This in unethical, unlawful, and this has occurred with other companies such as XXXX XXXX XXXX, and they were held liable financially. The company also lowered my credit rating due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I have an online account at MoneyGram and attempted to log on to complete an international funds transfer. I could not log in at all and kept getting an error message saying to try again later. I called the company and after several minutes, the rep told me my account had been " permanently closed '' and that I should try another money transfer company. I asked why this occurred and was not given an answer. I asked to speak to a supervisor. The rep said none was available, but there was a person there with more " authority '' than the rep. I spoke to that person who gave me the same blanket response. He eventually said sometimes accounts are closed for the " protection of the consumer. '' I explained that I personally knew the person I was sending the funds to and asked for the close to be lifted. He said he could not do it and directed me to the website 's customer support section. I filed a complaint there, got a " support tracking number '' but have had no response. I also went in person to a MoneyGram location the next day XX/XX/18 to attempt to transfer the funds, but the transaction was cancelled and would not go through. I send funds frequently internationally, as I am a XXXX and send these funds to the people we support there. I need this service to be restored and I need to be able to access my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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 — Investigation took more than 30 days
Company: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
I mailed a dispute letter to the credit reporting agency over two months ago and have not received a response. I believe this a stall tactic by this company. I feel they are disobeying FCRA regulations and intentionally not answering my letter and also in the process of violating my rights as a consumer. The information I'm disputing is causing harm to my credit report and credit scores. Its also causing me to not be able to apply for new credit lines and find balance to the stress they have caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
I made a purchase on XX/XX/2018 at XXXX XXXX XXXX XXXX and financed the purchase with Syncrony Bank. The amount being disputed is {$4000.00}. However the store was unable to get the furniture available for me to pick up. After waiting longer than a month I requested a cancelation because I was getting monthly statements even thought I did not have any item on hand and had already made 2 payments. I thought they were going to charge the account until the items were ready for pick up. Either way, the store manager informed that he had processed a refund on XX/XX/XXXX but I still have the charge on my account. I called syncrony to open a claim and they told me I had to resolve with the store first and refuse to open a claim. I went to the store and the manager said there was nothing else for the store to do because a refund had been processed. The last time I called and requested to speak withe the manager they told me they had nothing else to do, that my case was closed. 

I called again Syncrony bank and they started a dispute. However I have not received a letter from them.It is been 1 month and 1 week that I opened the dispute the it has not been resolved. I asked for a proof that they are working on the case and they have no proof at all. Usually when I open a dispute I get a letter with the case or summary of the issue but I have not received anything. 

I have proof that I did not received any merchandise because the store manager wrote me a receipt saying I did not received the items but Syncrony is just not working on the case to get it resolved. My credit score has gone down because of this high balance. 

Someone needs to get involved in this so Syncrony can change their system on how they work on claims. It is not possible that a customer gets scammed this easily and they don't do anything. 

I have requested twice to speak with a supervisor from Syncrony and they keep getting my phone number to call me back. I have yet to receive a call. 

This is the info shown on my card Syncrony Financial 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 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Friday, XX/XX/2018, I received a deposit/credit from a merchant for {$35.00}. Navy Federal transferred that money from my checking account to one of my credit cards, without my permission. I am days behind on the card, but blocking me away from my  checking account is absurd, especially this being my first time. I haven't had any income for months now and I tried to get help before it got to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates continually calls me daily after I have asked them to stop. Most recently they called me back to back 10 times on Saturday, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
This complaint involves three parties : - XXXX XXXX XXXX ( ie. XXXX XXXX ) - XXXX XXXX XXXX - Equifax During XX/XX/2018 I relocated from [ city in ] Alabama, to [ city in ] Oklahoma. Prior to my move, I contacted Charter to disconnect my internet service and was told at the time it couldn't be done without some information located on my network router. I told them I would get back with them when the router was in my possession ( as I did not have it with me at the time ).

During my move, I had the router with me in the car ; so during a stop for fuel, I called XXXX and informed the representative assisting me of my intentions to disconnect services. I informed them that I had called once prior but was unable to due to lacking the information from the router - but that I had it now and was ready to proceed.

The representative in question was audibly confused by this, and stated that there was NO REQUIREMENT for me to have the information from the router the first time I called. She added that she was not sure why it would have ever been requested for a disconnection ; but that she was willing to assist me with getting it done during our call.

She then looked up my account and informed me the service would be disconnected as requested, and that NO ACTION was needed on my part. She added that they, in fact, OWED ME MONEY and that they would be issuing a check for it to my new address.

This is the last I heard from XXXX directly.

I never received the check for money owed to me ... What I did receive instead ( in a manner of speaking ) was a credit monitoring alert, this XX/XX/XXXX, that a collections account had been added to my report by XXXX XXXX XXXX for the amount of {$34.00} with XXXX listed as the client.

This collections account appeared on two of my reports : - One with XXXX - One with Equifax I disputed both of these ...

The dispute with XXXX was resolved in a matter of days, and the account in question REMOVED from my respective report.

The dispute with Equifax however, was filed XX/XX/2018, and it was not until TODAY ( XX/XX/2018 ) that I received notice that the dispute was completed. According to Equifax 's provided documentation, however, this dispute was completed XX/XX/2018. No explanation was provided as to why it took 24 DAYS following the apparent completion of the dispute to inform me about it.

The result of the Equifax dispute was " The information you disputed has been verified as accurate ''.

I fail to understand how this is possible, when the information is not only inaccurate, but outright fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
I am an XXXX XXXX on XXXX XXXX. I have student loans serviced through XXXX. I enrolled in the Public Servant Loan Forgiveness ( PLSF ) Program. Per the program guidelines, I pay monthly payments, the amount is determined by my income and family size. I submit income, family information as well as employment certification forms annually to remain in the program. After 10 years of monthly qualifying payments, the remainder of debt is forgiven. I submitted the required paperwork on XX/XX/2018 while I was forward XXXX in XXXX. To date, XXXX has yet to give me credit for the monthly payments I made. Next month, I will submit my documentation again as required my the PLSF stipulations. I have contacted XXXX numerous times about the delayed processing of my employer certification and a corresponding lack of credit toward my loan forgiveness. Every time I contact them they say it can take 6 months or longer, yet it has been over 11 months since I submitted the paperwork. I am going to submit my next set documentation for the PLSF program next month. I am concerned with the backlog of credit given for qualifying monthly payments to my account since they have yet to process my payments for this year 's monthly payments. Given their lackluster customer service, I have no faith in their ability to conduct multiple reviews of my status without making a mistake that will result in delayed loan forgiveness.

Thank you in advance for your time and consideration on my behalf.

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax after a security breach sent me a letter indicating that several files I had uploaded to them which included my social security number and all personal info were in the hands of unknown sources. Since then Equifax refuses to update my file, they refuse to remove items I have disputed. They refuse to add correct accounts that I have now or communicate with XXXX for my information. I have been denied jobs and insurance and credit because they refuse to comply and accurately update my information. Also, so many inquiries are on my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
New American Funding is calling me multiple times a day about late payments and I have asked them to stop but they refuse. My car was stolen XXXX Police Department case XXXX. They refuse to accept ACH payments because I was late a few times so I have no transportation and they refuse to take payment anyway that I can pay them. I have a titanium rod in my leg from knee to ankle so walking to the bank is not an option, the wire fees are costing me {$20.00} a month on top of late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX Euro, was transfer to a XXXX XXXX via my Pay Pal account. I never issues or authorized this transaction. It is also not consistent with any of my other transaction which are always in USD and usually under {$5.00}. Paypal is refusing to acknowledge this is clearly fraud. Paypal has locked my account and is essentially holding my account hostage to force me to pay this.

Company response to consumer: Closed with explanation