vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had purchased a set of parts for my boat from a company located in XXXX. When the parts arrived I attempted to installed them as designed. The parts did not function and I engaged the company customer support for possible solution. The customer and tech support lacked the ability to fix or address the issue in appropriate matter. I asked for replacement or refund of the cost and the company disregarded the request. After numerous attempts to resolve this issue I contacted my Credit Card company to force a refund. I sent chat and e-mail logs regarding this issue. Detailed description with dates and times. The credit card company waited for over 4 months to come to a resolution ( even though the policy was 90 day turn around ) and has now refused the claim based on grounds that are not related to my claim.

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 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I contacted the debt collector credit management control to notify them that debt did not belong to me and also that I didn't recognize it. They gave me further information of who was the owner of the account and what it was. It was a light company and they also gave the apartment address. I notify them that I never lived in that address and the debt didn't belong to me. Apparently, it was all done through the phone and without my consent. I been a victim of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I have deposited approx XXXX dollars into my robinhood financial app. I am now unable to login and have submitted 15+ emails to get them to resolve this app issue. The can not be reached via phone, but only by email which they have stopped responding. I have not been able to get the SMS verification and keep getting the runaround from them. I have approx XXXX dollars invested in a crypto currency and have been losing money because I cant get into my account. I have gone thru all the steps necessary but they wont help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
the option for auto payment never works

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 2021-04-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my Care Credit Card balance of {$7000.00} off on XX/XX/2021. Care Credit charged me {$240.00} twice in the same month of XXXX. I contacted my bank to report fraud and they investigated and {$240.00} was reversed. In the interim, Synchrony Bank forwarded me {$240.00} ( check # XXXX ) on XX/XX/2021 and I returned same check on XX/XX/2021 ( see attached copy of check with correspondence ). 

Following are the customer care representatives I spoke with and never received any resolution : 1. XXXX on XX/XX/2021 2. XXXX on XX/XX/2021 3. XXXX on XX/XX/2021 4. XXXX, XXXX on XX/XX/2021 Lastly, when I spoke with XXXX she told me she would stop payment on check and place a -XXXX-balance on my account. To date the account is {$270.00} incorrect ( statement attached ). Following is the breakdown : {$240.00} erroneously charged, late fee of {$29.00} and interest of {$5.00}. 
I expect my account to be adjusted to show no balance ; all charges and interest removed, the credit bureaus contacted and an apology from Care Credit and Synchrony 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 monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brinkman Alliance Group
State: TN

Complaint narrative:
I TIED TO DEAL WITH THE COMPANY & IT WAS TURNED OVER TO COLLECTION WITH 3 DIFFERENT COMPANIES THEY TRIED TO SUE ME & PUT IT ON MY CREDIT REPORT, I AM A SINGLE MOM MY HUSBAND IS DECEASED!! I CALLED XXXX & THEY CONTINED TO PURSE ME WITH THE REPORTS, THEY GOT FROM THE OTHER COMPANIES THEY ARE DAMGEMING MY CREDITS STANDERD UP 1ST TIME THEY TRIED TO GET ME & IT WAS OVER 2YEARS AGO SO THEY SOLD IT & MORE MONEY WAS ADDED IT WAS CHANGED AGAIN THEN IT HAS BEEN CHANGE AGAIN TO TO TRY TO COLLECT IHAVE NOT BEEN YOU CAN GO TO MY REPORT & READ, XXXX  MADE NO ATTEMPS TO HELP ME I THINK THIS IS WRONG DO I NEED TO CONTACT TH PRESIDENT OF U S A FOR HELP!!!

Company response to consumer: Untimely response
Consumer complaint received 2021-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX  and Equifax are all in violation due to not responding back in time. I demand these accounts to be verified or removed immediately or I will file for litigation due to the stressed you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
XXXX sold my loan to a debt collection agency, in the middle of a pandemic. I am unemployed and was under the assumption that student loans were being deferred for a few more months. Also, not sure how federally subsidized student loans can be sold to private debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a Capital One business customer for many years and have always made my credit card payments and never not paid my bill. Several weeks ago, when I tried to use my card, my charge was denied. I call on XX/XX/XXXX and found out that the card had been closed by Capital One because there had been a change in my business ( EIN ; our company recent changed from sole proprietor to corporation ). Capital One felt it was appropriate to change the credit card number. I am sure there are many legal and administrative reasons for this. 

During my XX/XX/2021 conversation I spoke with XXXX, # XXXX, who stated Capital One had sent me information about this. All I have ever received from them are " junk '' emails. I have not received a letter, much less a courtesy phone call, to let me know of the change. He did tell me that the new card has an {$11.00} credit for overpayment on the previous account. Yet they won't transfer my accumulated rewards. On the date they closed the account I had earned {$570.00}. I can understand our not want to transfer the funds to the new card. But does that mean I am not entitled to the money I earned and that can easily be sent to me via check? 

I would very much appreciate your assistance in helping this resolved so I can get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My application for a credit card at a department store was denied. Upon receiving the explanation for the denied application I found out the credit report contained inaccurate information. The inaccurate information stated I had an undischarged bankruptcy. Actually, there are two records of undischarged bankrupcy because I applied for bankruptcy twice in the last couple of years. 

I can not have an undischarged bankruptcies because my applications for bankruptcy were denied. Therefore, they can never be discharged because they don't exist. 
Nevertheless, Experian indicated this misinformation would be on my record for 7 years.

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 2021-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Applied for a refinance loan and Navy federal Credit union On or about XX/XX/XXXX, Loan was denied for the followings as indicated in Navy Federal Credit Union XXXX dated XXXX XX/XX/XXXX received via regular mail on approx. XX/XX/XXXX. 
As per conversation with XXXX XXXX  as point of contact indicated in letter regarding customer inquiring about errors of no liens nor construction on property. 
Customer requested proof of appraisal and proof of Liens as Navy federal indicated. 
XXXX. No liens on Property since XXXX. 
XXXX. No adjustor to confirm any construction on property. 

XXXX XXXX had customers telephone privileges terminated. 
Customer is XXXX and XXXX  therefore customer request telephone privileges restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I received a collection letter rom this company on XX/XX/2021. It is dated XX/XX/2021 regarding an alleged obligation. I responded the same day via certified mail, fax, and regular mail to the XXXX XXXX XXXX on the deceptive form I am the consumer pursuant to 15 U.S.C. 1692a ( 3 ) and the creditor pursuant to 15 U.S.C. 1692a ( 4 ) because I extended my credit to create the debt Credit Collection Services is attempting to collect. The debt is already paid. I am aware that both Credit Collection Services and XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors pursuant to 15 U.S.C. 1692a ( 6 ). Although XXXX has refused to acknowledge this fact numerous times. XXXX is NOT the creditor pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.. The claim is disputed. I had to take precious time out of my day that I can not get back to address this frivolous attempt to defraud me. It is abusive and constitutes harassment. I never gave this company my direct consent to even communicate with me. Nor did I provide my private location information to my place of abode. Mail fraud has occurred. Pursuant to 18 U.S. Code 1341 and 18 U.S. Code 1342. I am a natural person and my consumer rights have been violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, My mother 's XXXX account got hacked. The hacker made it seem like it was my mother asking me for money. The hacker impersonating my mother said that they needed to pay {$400.00} to this person and that she would give me the money back. I always help my mother with things like that so I thought it was fine. I sent the money through Chase XXXX to an account and phone number that " my mother/hacker '' gave me. And after the money was sent, they asked for more money, so I did trying to help my mother. i ended up sending {$1400.00}. When my mother gets home I find out that it was a scam. after I got scammed the hacker hacked my XXXX account as well and did the same thing he did to me to all the contacts that I had in my XXXX account. I called the police and made a police report. I called XXXX and I reported the name and number under the account that the money went to. I called my bank Chase to report the incident and they said that they were going to do an investigation. After I made the scam report I sent them pictures of the messages that the hacker was sending to other contacts under my name. and made sure to let them know that I had made a police report and that I reported to XXXX the account. After a couple of days, Chase gave me a credit of the {$1400.00} and said that if they find out that the transactions are correct, they were going to take the money back. 

On XX/XX/XXXX, I received a letter from Chase, saying that the transactions were correct and that they were going to take the money back. Which means that their investigation was useless and are not going to help me retrieve this money after me giving them all the information I could about this incident. I tried my best to make sure and prove that this was not me and that I was scammed by using my mother. I've been a customer of Chase for MANY years and they are choosing to help this scammer keep scamming other people while keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are a number of traffic court violations listed on my credit report incorrectly. The few traffic court cases I've had have all been resolved by paying fines and never resulted in any criminal charges for speeding. Why are these still listed in my credit report? The fines have been paid and the traffic violations should be off my record in each credit report? They happened years ago. 

The only loan open right now for me is a XXXX XXXX that I've refinanced. the approximately {$10000.00} I have left when I refinanced is only a fraction of the over {$80000.00} that I initially started paying off over ten years ago when I graduated from college and began working full time. Therefore it is incorrect for my credit score to say that I have only paid off 15 % of my initial balance. I have paid off over 80 %.

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 2021-04-25 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: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
In XXXX my wife and I had loans through a local loan company Sun Loans in XXXX Oklahoma. Around the end of XXXX through early XXXX I got behind on payments. On XXXX we paid these loans in full. This account reflects on both of our credit report as paid but it shows to be a charge off. I'm not sure why this account shows to be a charge off, we we're still actively doing business with this company and they we're still actively trying to collect on the account. We have tried multiple times to have this corrected with the credit bureau with no success and also have went to Sun Loans directly and they faxed a letter to XXXX XXXX XXXX XXXX XXXX disputing this for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I need to email you all the data concerning a charge I tried to get reversed. Original charge was XX/XX/2020 and the Vendor lied to be about the product. I will try to call your XXXX number tomorrow as today is a Sunday and I doubt that you are working today. 

I will be happy to email you all the documentation if you will let me know your email address.

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 2021-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DYNAMIC RECOVERY SERVICES, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX, I received your response to my request for letter of validation sent XX/XX/XXXX. I requested for Dynamic Recovery Solutions to provide me with Validation of this debt. D.R.S. ignored my request of information validating that this debt belongs to me. I'm respectfully informing Dynamic Recovery Solutions I did not recall owning the allege debt to a XXXX  XXXX XXXX XXXX. Therefore, is the reason on XX/XX/XXXX I requested for them to provide me with specific information validating this debt. Information D.R.S. did not provide me with as requested in the first letter is. 
Provide me with copies of all XXXX Contracts XXXX that show I agreed to pay what you say I owe. 
Prove the limitations has not expired on this account. 
Proof that you are license to collect in the XXXX of New Mexico. 
In addition, considering this to be a medical debt, I do not understand how Dynamic Recovery Solutions obtained a medical Statement of Account showing medical treatment provided to a XXXX XXXX on XX/XX/XXXX with a Description of her services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to include the Doctors information without having a valid signed HIPPA release form releasing the medical information to a third party. That document was not sent to me. This is a violation of Health Insurance Potability and Accountability ACT.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I recently pulled my credit report to look for financing and seen incorrect information that I would like deleted immediately. I have tried to consult with these creditors with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX abruptly canceled two of my credit cards and eliminated all my reward points while denying payback for unused Annual fee. Over {$1300.00} is LOSSES and problem escalated to CEO XXXX XXXX who ignored my direct request for : 1. Arbitration 2. Written transcript of " allege '' comments 3. Reimbursement of LOST reward points, Annual fee, and blue of credit score dropping over XXXX points. 
XXXX. Cancelation of two Credit Card accounts AMEX XXXX XXXX  and Hilton Honor ) XXXX  - xxx- XXXX ; Hilton Honor - XXXX ( BOTH accounts closed in XX/XX/2021 XXXX. 

Unethical to make an accusation and NOT give a 20 year customer any communication or or evidence or opportunity to resolve conflict. 

CEO Mr XXXX has been notified who once personally thanks me for giving feedback to AMEX and now ignores me complete. AMEX " lower level assistant '' ignore written feedback and won't identify them selves. Elementary and bullying agency after 20 years of commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently sent letters over 45 days ago to XXXX  Equifax, and XXXX  and they are disregarding regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation