vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 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: IL

Complaint narrative:
In XXXX I had a XXXX  installed from a XXXX  in XXXX XXXX, FL from XXXX XXXX ; XXXX XXXX XXXX. The XXXX  cost was {$1800.00}. I paid for the XXXX with a GE Care Credit credit card issued by Synchrony Bank. The XXXX was terrible work. I asked for the XXXX  to redo the XXXX, which she asked for the full fee to redo the XXXX  again, which I refused to pay and moved on to a new XXXX  who has redone the XXXX for {$1500.00}, which has been charged to my GE Care Credit charge card. I have disputed the charge with GE Care Credit and issued a letter from the new XXXX  detailing all of the ways in which the previous XXXX  was bad work and how it was causing me problems and would cause more problems in the future. GE Care Credit says they do not resolve " quality issue '' disputes and I am responsible for the charge. The XXXX  will not refund me and the credit card company is holding me responsible. 

I have filed a complaint against the XXXX  with the state of Florida Board of Health, and she is being investigated. In the meantime, I want the charge refunded and retracted from the dentist.

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 2019-12-10 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: IL

Complaint narrative:
I have disputed an erroneous dismissed bankruptcy that is reporting on my Experian report. I have attached a screenshot of a credit monitoring site, XXXX that shows that the bankruptcy is not reporting with XXXX and XXXX because this account is NOT MINE. 

Chapter XXXX Bankruptcy Dismissed Date Filed XX/XX/2016 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 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
I received a letter from, State Collection Services of XXXX, Wi. dated XXXX XXXX stating that a past due amount has been referred to their office. It also stated that I had 30 days to respond with a dispute of the debt. I mailed my response to them and requested documents which would validate the debt on XX/XX/2019. It was received by them and signed for on XX/XX/2019. I did not receive anything back from this company in the 30 days their are allowed by law to respond and instead they immediately contacted the credit reporting agencies and put the unverified, disputed debt on my credit report. I have certified receipts showing that I needed more information to validate these charges. They could not produce the documents I asked for and knowingly disregarded the fair credit reporting act and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Back in XXXX of 2019 my loan was transferred from XXXX to Loancare. Within 60 days ( XX/XX/2019 ) Loancare did what they called and annual escrow account statement. I am used to these coming at the end of the year so I did some research. The rules allow for this, but if done so, then the date to do this will be each year at the same time since the also increased my payment at that time. Loancare then again on XX/XX/2019 did this again and again increased my payment. I do not think this is acceptable!

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 2019-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: CA

Complaint narrative:
After purchasing my first house 6 years ago I started receiving debt notices for debt that was not mine. I've never had a problem with credit card debt and have no student loans. After calling the original creditor I discovered that I shared the exact same name as the person who owed the debt, but they understood and removed me from their system. For 4 years I would receive notices randomly from different debt collection agencies. My assumption was that this debt had been sold to several other debt collectors. Whenever I called to explain they had the wrong person and address each one stopped sending notices. 

About 3 years ago my wife got a call from a Sheriff 's officer. The man with my exact same name had died and the system listed my wife 's phone number as contact. Luckily I was at the house when she received this call and the Sheriff was very apologetic for the mistake. After this the debt notices stopped. To my recollection maybe one or two more came in the mail but as soon as I called the number listed, the collector could easily XXXX the man 's name, find his obituary, and remove me from their system. 

Two weeks ago FAMS INC started sending me notices in the mail, but whenever I call to explain the situation they will not listen. They continue to send me notices and offering settlements even though I can point them to this man 's obituary. After sharing that information with them they claim there is nothing they can do. They continually send me notices and treat me as if I'm lying if I call the number listed. They've asked for my social security number and date of birth multiple times. I have never shared that because I fear they are trying to burden me with this now deceased man 's debt whom I have no relation to at all aside from sharing a very common name.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Receivables Performance Management. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
XXXX XXXX has an account that was put in my without my consent so someone stole my identity, I’ve gone to the police, filed a report, I did everything XXXX XXXX wanted to prove to them I did not set up or reside at the address where services were fraudulently used. XXXX XXXX has agreed to remove the balance and account yet the company that bought the debt won’t stop reporting it to the credit bureaus! Stevens business services out of XXXX MA is still reporting to the credit agencies and even tho I’ve disputed it they’ve said they won’t stop until it’s paid! XXXX XXXX the original owner of this debt agrees that it’s not mine so why is this company still reporting it? I don’t know what else to do! I’ve done what I’ve needed worked with police the company itself and the 3 major credit reporting companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
So This person told me she can transfer me tickets but had to pay her by paypal but never send me the tickect for a concert. She send me a picture of the tickets and it looked real cause it was by the website. She block me off in XXXX and got {$100.00} from me. So she scam me. And I would like to cancel that or get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I got an hard inquiry from Chase bank without my permission. I asked Chase Bank to increase the credit limit of my credit card and applied for another credit card at the same day on XX/XX/2019. They approved the limit increase but declined the credit card application. I applied for reconsideration on XX/XX/2019, and they pulled the credit report again, without letting me know at all. I called them later to remove the hard inquiry, but they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: FL

Complaint narrative:
I refinanced my house and my credit union sent Navient a check on XX/XX/19via 2 day mail for $XXXX which would pay off my student loans #1-5. (I have another loan I just opened on XX/XX/19 - #6, but this was NOT being paid off).  My bank did not ask me for address to send it to & they sent the pymt to the address on my credit bureau.  I contacted Navient around XX/XX/XXXX or so and was told ck was rec'd on XX/XX/19 and they had to figure out which acct. it went to, which they figured it out on XX/XX/XXXX, and that it would take 7-10 days to post to the acct.  I asked if add'l interest would be charged and was told "no", it stops as of the date ck rec'd. I have called back on numerous occasions (9 times as of today) and been consistently told IF interest was charged, it would be rolled back to date ck rec'd.  To date, they STILL have not fixed my acct. to show loan #3 being paid off (they misapplied it to loan #6, which is in grace period because I'm in school), and the people I s/w today said interest was charged on all accts. up through XX/XX/19, the day the pymt's posted!!!  I told them that I have been reassured by every single person I've s/w the other times I called that interest was rolled back to the day ck was rec'd -- and now I'm being told it's not.  My bank would have stopped pymt on the ck when I was originally told it was received and overnighted to their physical location another check way back the first time I s/w somebody, but they assured me that interest would not be charged!!! The woman I s/w today (Supervisor, XXXX XXXX) said they can't do that because interest is charged up to the date the money goes to the Dept. of Education, which shows it was posted on XX/XX/19; that she's sorry that other people had told me different!  Her being sorry does not get the $XXXX in interest back like I was told the other 8 times I called -- AND, as I stated, this could have been prevented by stopping pymt on the ck and it being reissued, but I was reassured that add'l interest would not be charged. Some of the other calls I DID s/w supervisors, who did reassure me that no interest would be charged -- yet it was charged up through XX/XX/19, even though ck was received on XX/XX/19!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is regarding the checks that has been cashed from my account without my knowledge from our bank WELLS FARGO with forged signatures. 
We recently moved from XXXX to XXXX  and during the moving unfortunately we lost/misplaced our check book. As soon as we realized we lodged the complaint with the police and advised the bank as well. Then we went through our bank statements and there were around 14-15 checks that has been cashed with amounts from XXXX us on the name of XXXX XXXX and the bank he used is XXXX XXXX XXXX XXXX out of XXXX, DE. 

At first, WELLS FARGO assured us that they will investigate and credit the checks back into the account but later on they denied the claim stating that it passed the time limit. We are not aware of any such limits if they exist or not. Later on when we call the bank they were not able to provide an satisfactory answer. 

The signatures that are on those checks are no way similar or close to our regular signatures. I think its Banks responsibility to verify the check with the account holder if they see something different specially the signatures.

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 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
This complaint is regarding a transfer of XXXX from XXXX XXXX into my Fifth Third account. The original date of the transfer is XX/XX/2019. I did a real time transfer from XXXX XXXX into Fifth Third however the transfer never completed. I have spoken to XXXX XXXX including customer service, the local branch XXXX XXXX, and the executive office XXXX XXXX which have all been of no help. a complaint was originally sent to XXXX XXXX  and received and investigated by XXXX XXXX at the executive office but her claim is it is Fifth Third fault and that XXXXXXXX XXXX  has no responsibility. I need help I am missing XXXX that was to be transferred from XXXX into Fifth Third on XX/XX/2019 however something went wrong and I have never received the funds into Fifth Third and the funds are missing. I don't know where the money is, I am missing my money and I just want help finding where the transfer went and I want my money. XXXX is missing and that's a lot of money. We need that money found and returned to the account. 

included will be XXXXXXXX XXXX  correspondence which they have provided no help and put the responsibility on Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am applying for a home and was told that Equifax has placed a block on my credit file so that the lender is unable to obtain my information to determine a loan approval. I NEVER ASKED FOR EQUIFAX TO PLACE A BLOCK ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2019 I applied for the new APPLE Card issued thru Goldman Sachs per an invitation email to do so. I was asked to fill out the info which was populated mostly by my XXXX and further asked to provide front and back photos of my valid drivers license which is Florida State issued just last month. After 24 hrs I received a notice to my identity could not be identified and resubmit my application with new Drivers License photos. Before doing so I contacted Apple who connected me with Goldman Sachs and over the course of 2 hrs via phone and help desk text messages I received conflicting explanations that my valid ID could and could not be used because it is a new Real ID compliant State issued license. After a manager insisted that I reapply and be extra careful to upload perfect photos I received the same notice that my ID could not be verified due and to resubmit my license photos again. Upon this happening again I went online and have determined that this has been an ongoing issue since at least XX/XX/2019 per Internet forums stating specifically that Apple and Goldman Sachs have been denying application approvals due to an inability to accept IDs compliant with the Real ID Act Federal Law. I believe this is unacceptable on 2 counts : 1 ) for not stating this know fact at the time of starting the application per its requirements ; 2 ) for further not being able to provide accurate internal assistance to customers and by only requesting customers repeat the task of uploading their IDs that States now issue and are compliant with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Im still getting phone calls from this agency and I have spoken to multiple people and they continuously tell me that they are moving me and it is not happening. Its to the point where it is interrupting me during my job. I understand if I got removed and then someone accidentally called me immediately after but at the same time this is been going on for a while now and I genuinely can not understand why this is still happening despite me telling people to remove me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I attempted to make a {$1000.00} cash deposit into a Citi Bank ATM. The machine malfunctioned when i inserted the cash returning an error message stating it was unable to process my deposit or return my cash. The branch manager was only willing to share her machines report with the investigation team. I was told the investigation would take up to 45 days.This is a simple fix as the branch 's manager ( XXXX, XXXX XXXX XXXX   XXXX XXXX, Ca ) confirmed their machines cash count was over. I need my account credited ASAP!!!

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 2019-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from synchrony bank to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time.

Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be  oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My car was recently totaled. The insurance settlement was not enough to pay the balance owed and GAP insurance refused to pay because the value of the car was considerably less than the balance on the loan. I reached out to Santander to inform them of this issue to see if we could come to a settlement that is fair to both parties or have my payments lowered so that I can afford them, considering that I now have to make payments on a vehicle I now longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from XXXX XXXX to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.

Company response to consumer: Closed with explanation