vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have been an accountholder with Bank of America for some years now. Last year in 2017 there many unauthorized charges made to my credit card with Bank of America which I was unaware of. I have since continued to make timely monthly payments on the account.

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 2018-11-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The original creditor account was opened XX/XX/XXXX which was Belks/Synchrony Bank. The debt was charged off. They have the wrong information. The debt was sold to XXXX XXXX and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with XXXX XXXX to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.

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 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. 

Tracking for money order - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
Attached is a letter I received from Debt Recovery Solutions , LLC dated XX/XX/2018 on behalf of XXXX XXXX. The letter stated the account was purchased from XXXX XXXX. They are requesting that I pay {$640.00}. I stated to them that I did not take out a pay day loan from XXXX XXXX or from any other pay day loan company. I called Debt Recovery Solution, LLC and spoke with XXXX on XX/XX/18. I tried to explain to him that I do not owe the money because I did not take out a pay day loan from this company. He was very rude and aggressive on the telephone. I state to him that I was going to contact the CFPB and file a complaint on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2018 XXXX XXXX and XXXX XXXX were sent letters of validation via certified mail. The return receipts show XXXX XXXX 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX   until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. XXXX XXXX sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by XXXX XXXX they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Multiple Complaints:1 ) payment information is misleading to the consumer - Loan is paid in full and automated phone system and online system still shows a payment due on XX/XX/XXXX. 2 ) The fees charged for payoff letters are excessive. {$30.00} is ridiculous and was charged for them multiple times in a 30 day period. 3 ) Escrow and details of loan and payments need to be easy to see online, NOT JUST WITH PAPER STATEMENTS. 4 ) last but to me the most important is an issue with them reporting a 30 day late when I did make a payment online before the 30 days - there was a technical problem with it going through and I wasn't notified in time to fix it before the 30 day mark and they won't fix it on the credit reports. I have NEVER had a 30 day late on my mortgage since inception and they can see that. The property was under contract waiting for closing so I was making payments after the due date but paying the late fees accordingly. I also paid AS SOON AS I KNEW about the problem - I called and submitted written requests for them to correct but was denied multiple times. I think this is wrong. This error dropped my credit score over 250 points overnight. This loan was with XXXX and I never had an issue until it was sold to Freedom Mortgage in XX/XX/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 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted an online application for a capitalOne savor credit card and after the process I was approved and received a {$30000.00} line of credit on the credit card. I immediately called capitalOne and stated that I did not ask for a $ XXXX line and said it was too high and that I wanted to reduce the line to $ XXXX. This call with capitalOne was 5 minutes after the credit card was approved online. I was told that if I reduced the line to $ XXXX it would adversely affect my credit score. I then requested to cancel the account and was again told that if I did it would adversely affect my credit score. I have an excellent credit score and work hard to keep it that way. I am a very frustrated consumer. When you go into a bank and apply for a loan you state the loan amount requested so why can a credit card company unilaterally assign you a line of credit on a credit card? 

My issue : how can a credit card company unilaterally assign you a line of credit without first checking with the consumer and giving the consumer an opportunity to request that it be lower? This is an example of unfair credit practices and I feel that the CFPB should take action to protect consumers like me and to prevent unfair credit practices such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received notice of the debt from my credit report and when I contacted the agency, I was told they could not provide me with am itemized statement of the debt or proof of me signing a HIPAA form allowing my information to be transferred to them - a third party 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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SLM CORPORATION
State: PA

Complaint narrative:
was denied credit because all my mortgage payments were current / basic being denied for having good credit / but if you look at the wordage in the letter is to confuse the denial letter / when I ask him is a practice to denied XXXX I was quickly transferred to a supervisor and he apologize for the wordage and said he was going to look into the letter and why I was denied / no respond letter as of today /

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CAPITAL ONE MASTER CARD. I CALLED INTO CREDIT CARD TO FILE FRAUD COMPLAINTS AND THE CREDIT CARD COMPANY SAID THAT IT WAS TOO OLD AND THEY COULDNT HELP ME, WHICH I DONT UNDERSTAND BECAUSE CHARGES WERE SUPPOSE TO BE FILED IN FRAUD BACK IN XX/XX/XXXX AND XX/XX/XXXX WHEN I FIRST SEEN THESE CHARGES ON MY STATEMENT AND I REPORTED THEM RIGHT AWAY, BUT NOTHING WAS DONE. PLEASE HELP ME TO GET MY MONEY BACK FOR THESE FRAUD CHARGES ON MY ACCOUNT. I AM A XXXX XXXX AND I LIVE ON A FIXED INCOME AND I HAVE BEEN NEEDING THIS MONEY BACK FOR A VERY LONG TIME NOW. I WILL LIST ALL THE CHARGES ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THIS IS A TOTAL OF XXXX THIS IS ALOT OF MONEY THAT WAS TAKEN FROM ME. PLEASE TAKE INTO CONSIDERATION MY REQUEST FOR RECOVERY OF MY FUNDS. THANK YOU

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
The amount owe is not the right amount The right amount is 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 2018-11-05 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: Receivables Performance Management, LLC
State: FL

Complaint narrative:
The FCRA has dropped my credit score by 93 points within the last 45 days. Due to an old collection account that keeps getting sold to a new collection agency. I haven't had any other activity on my credit in the past two years. The FCRA has also taken it upon themselves to change the status of my charged off accounts to closed accounts with an outstanding balance. Based on some research I conducted, accounts that have been sold to Collection Agencies should be considered paid off by these agencies to the debtor and should no longer be shown on my credit file, or should have a zero balance. I want an investigation done to consider why my score would go down so drastically based on an old collection account that was sold to another agency that started a new report.

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 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
The credit collection agency Century Credit Collections on XXXX XXXX XXXX., XXXX CA XXXX will not send me a written letter showing the debt, the amounts owed, the amounts they have added in fees over the last 5-7 years. 

They tell me they will only furnish something in writing ONCE I make a payment arrangement. I will not make an arrangement until I have something in writing, which I should be given per section 809. Validation of debts of the " Fair Debt Collections Practices Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
My husband was already Garnesh for the same XXXX XXXX bills that they are trying to sue him for right now again.. He had already paid these debts they are trying to collect again. and they was settled and paid In XX/XX/XXXX and two Ganeshments in XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX. of XXXX, Indiana. filed a hearing XXXX XXXX for XX/XX/XXXX For XXXX XXXX .at XXXX XXXX,. they filled on XX/XX/XXXX. the post card said XXXX XXXX XXXX XXXX XXXX XXXX . amount due on post card says not showing. case # XXXX. My home loan is paid on time how can they send me a court eviction hearing notice?. His credit report says XXXX XXXX is on his report for {$330.00} settled in XX/XX/XXXX Now those was part of a Ganeshment that they already collected from paid out to them XX/XX/XXXX. {$410.00} Settled XX/XX/XXXX. {$220.00} Settled in XX/XX/XXXX. {$600.00} Settled on XX/XX/XXXX. We due owe a {$6000.00} Hospital bill they are trying to collect with all of them bundled together. XXXX credit has already got over {$17000.00} total from us in Garnesment Wages paid in full as of XX/XX/XXXX. from his check i have papers to show they received this amount of money from his work in wages.. it was for credit card and Medical bills. his credit card debt was only XXXX dollars i have the original paperwork on that credit card debt. I also have all my copies of our old credit reports going back as far as XXXX. They call my cell phone XXXX times a day with different fake XXXX numbers. I try to call back and it says they can not except incoming calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied and was approved for a XXXX XXXX XXXX credit card which is sponsored by Barclay 's bank. I used the XXXX  credit card to purchase excursions on the cruise which were discounted by 20 % if purchased with this particular credit card. For my general expenses, my XXXX XXXX debit card was on file and used for food, drinks and the spa. My ex-husband was also on the cruise and stayed in another room with his mother. He kept his debit card on file with the cruise for his expenses as well. His debit card was used and XXXX XXXX attempted to " force post '' certain expenses onto his debit card but his bank rejected them since he did not have enough funds available in his checking account. Because I have his last name, they forced the charges on my XXXX XXXX without my permission! When I called XXXX, they acknowledge they should not have done this but refused to remove the charges unless he presented them with a valid credit card. I told them not only do I not speak to my ex-husband to make such a request, but this is illegal! They can not just use a credit card they were never authorized to charge for someone else 's charges! XXXX XXXX is clearly committing fraud. I contacted Barclay 's, the sponsor of the card, and while they sympathized and agreed XXXX can not do that they actually told me to get my ex-husband to fill out a form with his credit card number and they can remove the charges from my account! I threatened to sue the bank and report them to the regulators and after fighting with the fraud department they agreed to submit the fraud dispute to mastercard but were unwilling to provide me proof that they would indeed handle this according to the law. The Barclays rep said that if they can not resolve the complaint within 90 days then I will be held responsible for my ex 's charges and should just sue him for it! I am appalled that they are doing this to people and are helping barclay 's commit fraud! i have attached my statement. as you can see I always paid my charges in full except I refuse to pay for charges not mine.

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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I have a mortgage loan with the PHH mortgage Corporation, their payment processing center is based in XXXX, PA. Their mailing address is PHH Mortgage Corporation , Mortgage Services Center , XXXX. XXXX XXXX, XXXX, PA XXXX. The problem is this I have been sending my payments each month in the form of money orders to this address and it always reached on time for the XXXX of each month and even before that. Recently as far back as XXXX, 2018, they started sending me late payment notices stating that my mortgage payment was late, and imposed a fee of {$31.00}, whenever they claimed it was late. However, I send in my mortgage payment by theXXXX of the previous month for the next month to ensure that it is on time. E.g. on XX/XX/2018, I mailed the payment from my neighborhood in XXXX, N.Y., for XX/XX/2018. I went to my post office to find out how long it takes for a letter to reach Pennsylvania from XXXX, N.Y., the clerk told me it takes 2-3 days for the most, and look how many days in advance I have mailed the payment. Also I include {$20000.00} extra each month to lower the principle, so I believe they are deliberately holding back my payments to give me a late charge! In previous times, they have taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: WI

Complaint narrative:
XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX  reports since XX/XX/2018 removed from my credit score as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Got an email from XXXX XXXX that a hard inquiry was placed on my XXXX Credit report. It was from XXXX XXXX in XXXX, Florida. Did not recognize the inquiry. Have not applied for a card from XXXX. Date that the inquiry hit my report was XX/XX/18.

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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
XX/XX/2018- Convergent sent a letter alleging that I owed them a debt. 
XX/XX/2018- I responded to Convergent disputing the validity, legal authority and requesting an original contract between myself and Convergent. 
XX/XX/2018- Convergent sent a letter simply stating that such debt was valid. 
XX/XX/2018- I sent another letter to Convergent once again disputing the validity and legal authority of them to assert such a 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