vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 2 TIMES 3 DAY PAYMENT : XX/XX/2016 ; XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2019-03-28 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: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
XXXX XXXX reported wrong information to XXXX credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to XXXX  and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
I already filed one complaint and somehow the company answered and the complaint was closed. However, that is NOT the end of it. The company claims a certain amount was paid on the debt in XX/XX/2019, and that was NOT me that paid anything on a debt that was NOT mine.

I am now submitting another complaint, because this company is violating several different federal laws. First off, this should have never been listed on my credit. I was NEVER notified ahead of listing this debt on my credit.

They have not provided ANY proof of the debt.

They have NOT answered any of my written communication.

They say the debt was paid and closed, but WHO PAID IT. MAYBE WHO THE DEBT BELONGS TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ONEGO Inc.
State: TX

Complaint narrative:
On XX/XX/19, a payment was submitted from my personal bank account to a loan consolidation company called, " Federal Consolidation '' based out of XXXX, TN for the amount of {$260.00}. The next day, XX/XX/19, this payment was cancelled by the company but I never received the corresponding refund to my bank account of {$260.00}. I spoke with a representative from this company who told me I would be receiving this refund soon. It is now XX/XX/19, and I have still not received this money and I can not reach this company by phone or by email to determine the status of my owed refund. The company has not reached out to me in this period of time to resolve the issue of the refund. I spoke with my federal loan servicer and have requested to cease services with " Federal Consolidation ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my account back in XX/XX/2019 because Capital One was letting all these charges come thru on my account even tho I told them it was fraud. In XX/XX/2019 I receive a letter stating they applied the charges back on to my account and then let 3 additional charges come through on ny CLOSED account. I was on the phone with Capital one for 30 min and the lady ( XXXX ) tried to tell me they had proof from the company that I reported fraud on that I used the account. I told her I want this proof because I never approved these charges which is why I reported fraud in the first time. I also told her that if my account was closed in XXXX how did I get the same fraud charges again in XXXX? I asked for a manager and I was on hold for 30 minutes and nobody ever came to the phone. Im at my wits end! I did not do these charges and Capital one will not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian is stating they have confirmed information to be accurate from a collection agency which just popped up on my credit report the other day. I did a dispute with the three reporting agency it was reported to. XXXX and XXXX   removed it immediately after investigating. During the Experian investigation I explained I had not made the charge or ever been to the hospital or received any products or services from that hospital that the collection agency stated the past due charge could have came from. The erroneous charge came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/19, I attempted to change my phone number and email address. I get a prompt wanting to sent a text message to a phone number I have not had in years, so it prompts me to call customer service. 

As before, customer service will not let me change the information, just like when I attempted to change my address. I kept getting stonewalled and bounced around from person to person. They wanted to send a text to a number I told them I had changed and then to send a message to a dead email address. 

The whole idea was to update the information and all I get is stonewalled and angry because of their inept staff. 

This is the second time I have had to get the CFPB involved to get these idiots to do anything. Worst customer service and inept employees I have ever encountered in my life!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported wrong information to Equifax credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to Equifax and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NH

Complaint narrative:
I get repeated calls from about 7 different area code XXXX phone numbers. The company is CBE Group which internet says is a debt collection agency. I just ran my credit report and the 3 services show no outstanding debts. I have asked them to stop. They won't tell me why they are calling me repeatedly, all hours day and night. 

Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Ive been disputing a late payment that I paid with Santander bank, they told me at first it was a teller error and they now have me down for a 30 day late thats effecting my credit. They say there going to call me and they dont, ive had them hang up on me, tell me there is no one else I can speak to in a higher position. Now as a result of this my credit has taken been dropped significantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER   MNG  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
On XXXX the XXXX someone withdrew all funds from this card. I filed a dispute and reissued the funds 15 days later because they issued a card to another address and it wasnt the address that Social Security had on file. On XX/XX/2019 they then issued another card to another person not on the account. I called the company to cancel the card and they told me that it was nothing that they could do but keep reissuing the card and that these people that are fraudulently using this card could continue to call and issue more cards. They are refusing to add alerts to accounts for fraudulent activity. Unfortunately because Social Security has issued benefits for XXXX, I am not able to change banks for my sons account. This bank has no security measure put in place to stop fraudulent activity on XXXX adults funds being placed in there accounts through there card services. It makes me wonder how many XXXX adults are being frauded through this government given program for funds and are not getting their monthly money because they dont know what to do. Also, management was very rude with me when I asked who Investigated them on fraudulent activity with the bank and card services that maybe they should reconsider activity of how a person could order cards for Social Security benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Per your letter dated XX/XX/2019 in regards to the Consumer Financial Protection Bureau Complaint ID : XXXX, I am writing this letter of request and attaching a copy of the death certificate concerning XXXX XXXX XXXX. Please close out the above captioned accounts. Specifically, the sapphire checking account XXXX has a balance of {$5.00} and the premier savings account XXXX was charged a service fee of {$2.00} on XX/XX/2019 that should not have been charged on a deceased account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/18, I used the XXXX XXXX XXXX XXXX to send {$300.00} to my mother. On the app there is a XXXX feature that is powered by PayPal. The quickpay feature only requires the recipient 's number so I used my mother 's phone number. 

As shown on the bank statement, the money was indeed withdrawn immediately from my savings account ; however, my mother did not receive the payment. 

I called PayPal about the problem and they did not find any transactions. All they could suggest was to wait 30 days for the money return. Admittedly, I lost track and waited too long for the money to return and I understand that this is partially my fault. However, I refuse to lose {$300.00} over an error made by one of these companies. 

I called the XXXX XXXX XXXX XXXX and they were able to provide a transaction ID to show that the {$300.00} was, indeed, withdrawn from my savings account on XX/XX/2018. The bank instructed me to call PayPal as they were not able to further assist me in getting my money back. 

Again, I call PayPal and gave them all the information they needed. They were able to find where my money went, and it turns out the money was sent to a recyclable phone. In other words, the money was sent to the wrong person who happened to own my mother 's phone number. PayPal is trying to notify the person but they told me that I am better off by contacting my bank again and disputing the claim. 

I am now filing a CFPB complaint since neither of these institutions are able to assist me in getting my {$300.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
IM REACHING OUT And regards A IMPORTANT MATTER I Recently Applied For A Business Account In Got Denied Because I Notice that I Am in XXXX & XXXX XXXX XXXX, I WOULD LOVE to Explain What REALLY Happen To My Account. Ok I Did Work For A Former client & She Paid Me in A Payment method of A Money Order so I made my first mobile Deposit To my Bank of America Checking Account Not aware That The Money order She give me Was already Mobile deposit In A Another Institution so I reach out to my former Client To verify was the the money order Real or fake She confirmed That it Was not fake because it came from XXXX XXXX but what She didnt tell me she already mobile deposit it in a Nother institution. after I threaten her I Will take her to small court claims She Quickly confess In told me it was already deposited in a another institution before I had the money Order So she paid me in cash. So thats why Bank of America mark That The Money Order Was Fake it was a real Money from XXXX XXXX I had no idea that the money order was already deposited So They Close Out My Account Without a Notice So Im Asking For youre help! I PAID OFF THE Debt IN FULL. So can you guys delete inaccurate information or Even better removing me from XXXX XXXX XXXX Would love a Second chance to start my Financial future back Thank you appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
the company has said, due to less amount of escrow they had to raise my house payment. this is very difficult for us because the previou company bought the loan as is and never went up on the payment. WHY BUY A LOAN AND U DO NOT KNOW WHAT IT IT COVERS. TO US IT SHOULD HAVE BEEN BOUGHT AS IS WITH NO INCREASE ON THE BORROWER. An increase on mortgage payment is not suppose to happen or should I say its the company fault for not looking at the details. I mean I do not buy anything if I do know what it have or do not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
The problem is I am paying more in interest and principal then I am paying in the actually loan itself thats the problem I have been scammed by the school now by the XXXX XXXX XXXX, the School has been shut down for illegal practices now the forgiveness program doesnt cover me because they didnt have a four year program for me so I couldnt continue to keep attending the school so I have credits thats non transferable to attend a major university. I been on this loan for about 2 til 3 years now the Original loan was for XXXX and now its XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I relinquished my rights to a house and gave the house to my ex, I made sure in the divorce decree it started I am not responsible for any charges. The home went into foreclosure in 2014 and XXXX has reported late payment activity against me. I have try to dispute it many times. I need help removing this from my XXXX, it is keeping me from accessing the equity I have in the current home I own. My credit is excellent except for that. I hope you can help.

Company response to consumer: Closed with explanation