vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/2019 I received an Amazon.com store credit card in the mail with a credit limit of {$2400.00} and the card is maintained through Synchrony Bank. The only problem is, I did not request, nor did I apply for this card and it has been almost a year since my last purchase with Amazon.com. This greatly concerns me since in order to open up a credit card would require my personally Identifiable Information. I have contacted Synchrony Bank and confirmed the card balance is {$0.00} and I have cancelled the card. When I spoke to Amazon 's Customer Service on  XX/XX/2019 I asked whom open a card in my name and I was told " I can not provide you with that information ''.

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 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: MD

Complaint narrative:
I am so furious that any company can have power to mess up your lifelyhood to that extent without one 's knowledge most of the time, and they walk away free like this???. Inaccuracies on credit reports costed a lot. I stumbled on my credit report found out that a company named CKS Prime Investment claimed I own them money which I had no clue about. I never entered any agreement nor made any transactions with them. I tried calling them, no info. I filed complaints to the credit bureaus to remove the information so far, no success. 
I can't believe it's that easy for companies to target your life without consequences and no one says anything about it. I have no real address for this company, no manager to speak to in order to formally have this information removed from my credit report. 
I am against these 3 bureaus which allow such practices without reaching out to costumers. I would have never known otherwise that such injustice was hanging on my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates is a secondary collection agency that apparently purchased this debt from the primary lender. Portfolio Recovery Associates never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2019 I made a purchase using my BECU visa credit card in the amount of {$28000.00} from XXXX XXXX. 
This purchase was made by myself. BECU has taken it upon themselves to dispute and chargeback this card as a fraudulent transaction and chargeback the merchant. This purchase was in fact made by me and BECU had no right or permission to mark this transaction as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I previously submitted a complaint through this site and received a response both online and via mail. Yet I still receive phone calls NUMEROUS times nearly daily. They have now transitioned to calling me from new phone numbers and harassing me despite my attempts to have them stop. If this isn't stopped, I will be taking legal action to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
The Car was repossessed by XXXX XXXX after an accident and major repairs were made. Payment was made from same account that payments had been made previously. Reason for refusal of payment was that I was not an authorized person on the account. I was and still am an authorized person on this account. Before I could resolve this issue with the company the car was repossessed, and ransacked, items were stolen, by the tow company. The company demanded past payment which they initially refused, late charges, tow charges, storage fees, and up coming payment. Well over 1000 dollars which I did not have. Subsequent requests for information about the vehicle, such as what balances were how much the vehicle was sold for ect were never responded to. Wage garnishment occurred and and although I had paid on the car downpayment plus trade in and payments for 5 of 6 months I had the car were never deducted off of final balance. Again no further information was given to me on how this amount was arrived at. A total garnishment of over 9,600 $ took place via the wage garnishment. That was paid off. They are now asking for an additional garnishment for over {$5000.00}. Interest apparently was not collected via the garnishment as well I am told interest will continue to accrue and again not be collected from this amount. I was told unless I come up with a full payment I will continue to pay on this vehicle indefinitely. XXXX XXXX never sells a car for less that {$9900.00}. So they got my 10,000 plus dollars likely re sold the car for {$10000.00} and are now attempting to perpetually collect money for a car I have not had for 8 plus years. My bank no longer has this documentation nor does XXXX XXXX who payments were made through. The mechanic who repaired the car is no longer in business. My insurence carrier at the time was XXXX and they are researching for information in regards to this vehicle since I carried collision on the car and the paid the majority of the repairs. The account has been turned over to a lawyer Relin Goldstein and Crane I thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$220.00} has being stolen from my mortgage payment twice by TIAA. During XX/XX/XXXX there was a hurricane in Texas. My home didnt experience any flooding, however, my homeowners insurance premium doubled. It took me several months to find new, reasonably priced, insurance. During this time, I had a lapse in home insurance of one month. My mortgage company at the time, XXXX, purchased insurance on my behalf and charged me {$220.00}. I didnt have an escrow account associated with my mortgage at the time. The {$220.00} insurance payment appeared on my XXXX statement as a - {$220.00} escrow balance. The loan was purchased by TIAA in XX/XX/XXXX. TIAA applied {$220.00} of my principle payment toward the - {$220.00} in XX/XX/XXXX. I provided documentation that I didnt owe {$220.00} for escrow and TIAA reapplied the {$220.00} back toward the principle and the - {$220.00} escrow amount appeared again on the mortgage statement. In XX/XX/XXXX they took {$220.00} from my principle payment again. This time they are refusing to replace the misappropriated payment toward the principle essentially stealing {$220.00} from my mortgage payment. I have requested corrective action several times to no avail. This may not seem to be allot of money, but my husband and I work very hard to pay our mortgage on time and it is unacceptable for any portion of our payments to be stolen from it. Please help us resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello I need a Full Investigation on all my banks and any card issued under my social security number XXXX I have not been paid and assets where stollen for a Wells Fargo Settlement

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/2019 I paid my debt of {$730.00} with ProCollect from XXXX, Texas. I was told after paying in full the collection would be removed from my report. I call them today XX/XX/2019 and they say they won't remove the collection, only report it was paid off and refused to offer help in any other way.

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 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Payment for paypal credit account was scheduled on XX/XX/2019 to be made on XX/XX/XXXX. The Transaction was accepted and scheduled and I received an email confirming it. The transaction was not executed by paypal on the XXXX and on XX/XX/2019, I received a notice I was late and charged a fee of {$27.00}. A new payment was scheduled that day and I again received a notice it was scheduled. the system then timed-out and wouldn't allow me back in. 

The system will expire the session if the " CONTACT US ''  button is selected and the chat option is a complete joke. They have made it virtually impossible to contact them. 

Paypal / Syncronicity are both aware of the problems their systems have connecting with each other. Data is regularly not available to view and sessions time out or just end abruptly for no reason. 

I have never had a problem with either company separately, but since they joined, account access is almost impossible most of the time.

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 2019-12-13 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: FL

Complaint narrative:
THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.

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 2019-12-13 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: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis sent me n XX/XX/XXXX a 25 page report with all my previous home address ' going back 20 years, one page briefly mentions : " No judgments or liens '' Lexis Nexis has however sent to my employer a list of : " 61 unverified, historic liens and  judgments ' This list was full of inaccuracies, duplicate items and caused my employer to fire me. 
( I had not disclosed the erroneous liens on my XXXX XXXX. ) Then in XX/XX/XXXX I applied to a new employer, XXXX XXXX XXXX, they too received a similar list of 61 " unverified and historic liens and judgments form Lexis Nexis.

I have disputed this with Lexis Nexis in writing numerous times, at least 7 written letters, I have previously filed a complaint with CFBP. Your reply to me was that Lexis Nexis referred me to an 800 number which was no help. 
I request a copy of this list be sent to me. 
And I request the right to dispute these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Dates/Months Contacted NAVIENT : XXXX, XXXX, XXXX 2019 I secured loans for {$15000.00} at 6.8 % from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. 
The loan was sold to Navient Corp. I continued to make payments. I realized the balance of my loan was not decreasing. When I contacted Navient about the matter, I received a response that was the equivalent of a Form Letter that did not specifically answer my questions. 
I contacted an attorney and asked that a letter be drafted requesting very specific information : ( 1 ) definite capitalized interest, ( 2 ) how is interest capitalized, ( 3 ) what interest accrues during forbearance periods and how the capitalized interest is calculated, ( 4 ) what is the duration of the capitalized interest.

The response I received from Navient Corp. was the same Form Letter I had received earlier. None of my questions was answered.

After years of making payments, I owe more than I borrowed. I have made several attempts to resolved issues with Navient Corp. in light of the fact that Navient has been sued by the Consumer Financial Protection Bureau, I am requesting assistance to have my loan considered paid in full. I have over 15 yrs of service with the XXXX XXXX XXXX ( XXXX ).

Id appreciate your office looking into Navients practices of providing bad information, processing payments incorrectly and lack of response to borrowers questions/concerns. 

Thank you for your assistance and cooperation concerning this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TDBank Allowed a transaction that  was not approved to go through and are not helping me fix the problem.  I called to dispute the transaction but they say that it take till th end of the month to fix this. It is causing me hardship.  I called them back to ask for a credit to be added to my account but they said that they couldn't because of law but at my other bank they always have credits for dispute transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I received a 6 month defer interest loan, which I paid in its entirety 
On the XX/XX/2019. eight days prior to the statements due date of the XX/XX/XXXX. 

Few days ago, I see an email with a new invoice of $XXXX   stating that those were the interest charges on the account that had accrued.

Two months prior to this I requested an extension as I believed that 6 months for a XXXX XXXX dollar loan was a bit overwhelming. 
Nevertheless I was denied.
Customer representative said that if I paid before due date I would not include any charges,  he did not mention that I had to pay by the sixth on the final month.

When I asked another customer representative 
Why there was a difference in due dates, he said that that was a grace period.
So if it was a grace period , then why a I being charged interest on my account. 
It was 0 interest for six months
Was paid before the last billing cycle that according to them is the XXXX  of every month. 
I called to many of their "customer care"reps, and "supervisors ", without being able to get help revercing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. 

In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. 

After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. 

I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Home Plus Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the Conn 's web site. This is also being reported incorrectly to XXXX   and XXXX.

Company response to consumer: Closed with non-monetary relief