vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
We received notice ( attached ) that our bill was past due. However, we never received a bill. Upon calling the cc company, we learned that we had an outstanding balance of {$370.00} which included {$28.00} of late charges and XXXX of interest. After expressing our displeasure with not receiving a bill, the late charges were waived, but not the interest. We paid the outstanding {$340.00} bill in full and cancelled the card. We were then threatened that we could never receive another Gap credit card.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
My daughter, XXXX XXXX and I have a joint checking account at XXXX XXXX XXXX XXXX. I had multiple issues with the account in forms of identity theft, unapproved transactions attempting to take money out of account therefore was over drafted by {$950.00}. I worked with XXXX to resolve this matter wherein I had set up {$50.00} a month payment arrangement. In the meantime, they still sent the account to collections with Transworld Systems Inc. 

On XX/XX/XXXX, I worked out a settlement regarding this account with XXXX, balance was satisfied and they agreed to put the account back into a positive status. 

On XX/XX/XXXX I received a letter from Transworld trying to collect on the balance that was paid in full. They didn't even deduct the payments I made through XXXX. I called Transworld and informed them that I worked out a settlement with XXXX and this balance has been satisfied since XX/XX/XXXX. I got no response. 

Transworld Systems Inc. is fraudulently trying to collect on a balance that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX I used to charge my Best Buy to purchase things. As of XX/XX/XXXX ( estimate date ), my true balance without interests was nearly {$4000.00}. I got the billing statement from Best Buy that dated on XX/XX/XXXX that my additional lump sum of interest was {$2100.00}. 

I called them last week to express my concern about the lump sum interest that is additional to my balance that I disagree. I do not mind paying the interests based on the principal that I purchased. They basically said that it was part of the contract per interest free for a term ( I think it is up to 18 or 24 months ). 
I hope I can attach those documents as summary : Page 1 - Show the lump sum of interest Page 2 - Show that I did pay some interest Page 3 to 5 - show that there was no interests. 

If you have more questions, here is my email address - XXXX XXXX, I do not mind paying interests on the actual principal that I am obligated to pay. By the way, I paid my payment on time. 

Hope that makes sense. 

XXXX XXXX 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 2020-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account ( ending in XXXX ) with Chase Bank and up until the end of last month, had a checking account ( ending in XXXX ). I was surprised to find my account had been changed from a savings to a checking account without notice sometime in late XXXX. I had never had this happen before ( in the past the account has just been closed ) so I didn't want any of my money in an account I did not know and had not authorized. I got a savings account for the purpose of having bills and other monthly payments set to autopay so that I am a little less stressed come time for them to collect. I contacted the vendors I have set to take money out on autopay each month from the account ending in XXXX, letting them know that there was a temporary account change for payment untilI could figure out what this new account was and how to reinstate my savings. 

After doing research, I discovered that Chase will do this if I have exceeded my withdrawal limit for the statement period. I didn't argue or question this change because I was honest about my account activity that last month and was fine to continue on with two checking accounts until I could get a checking. Unfortunately, my car insurance company was not so quick to turn over the account information and my monthly payment was deducted from the now checking account ending in XXXX. This put my balance for that account in the negative which also resulted in my account being charged an overdraft fee. Though I was annoyed, I accepted this charge and again, didn't argue it's validity. 

It wasn't until this morning when I checked my bank account that I noticed my first checking account ( ending in XXXX ) now had a balance of {$0.00}. Apparently, my car insurance made another attempt at collecting money from the account ending XXXX and once the money had been taken out XXXX or more like the negative number of the account increased XXXX, Chase also removed whatever was left in my first account and deposited it into the account ending in XXXX. 

I have never authorized this activity, whether it be a purposeful transfer or an automated one. What I DID authorize was for Chase to stop processing transactions should my account balance exceed - {$300.00} but that also never happened for either account. I am beyond annoyed with all the change that has happened to my account over the last month but now I'm furious that MY money is being moved around in ways I never approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Full amount of XXXX was paid on XX/XX/20 however account was placed for collections on XX/XX/20. I attempted to get this removed and even tho they say its been removed, its still reflecting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NJ

Complaint narrative:
I have collections on XXXX, Equifax, and XXXX that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/2018 Ally bank Market my account as over drafted but I never created an account with them, a while later i decided to create an account myself & when i deposited money. they took money from my account. {$2000.00} & then market my account has negative {$2000.00} it was a complete banking error and when i confronted them about it they just blocked my account & refuse my phone calls. 

I NEED JUSTICE!

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 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have collections on XXXX XXXX, and Transuion that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

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 2020-02-19 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: NJ

Complaint narrative:
I have collections on Experian, XXXX and XXXX XXXXhat do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
IAW 15 USC 1692 I sent a Notice and Demand to Validate Debt Claim to LVNV Funding LLC. I also filed a claim with XXXX. LVNV Funding LLC did NOT respond back within 30 days with the required information to validate that an actual debt exists. They did receive the notice and signed for it via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have NOT RECEIVED all of my parts per the contract. I HAVE made attemtps to contact the store via telephone, text, and email amd the XXXX XXXX XXXX XXXX tonwhich they are advertised. XXXX was the one who ensured the part would arrive with the unit it did NOT. My husband was present at the time of transaction and delivery when part was promised and when said part did not arrive I have all attempted call records.I have provided picture of the missing parts. The only 2 options are settle at XXXX and i will purchased the part myself as it isnt cheap or have the company deliver the item and i will resume payments. You are in breach of contract the burden of proof is on you and the store as i have physical documented evidence and pictures. You may correspond via email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
I received an email from my loan servicer recommending the VA IRRRL program to me. In the email, they specifically use language that the VA and this website refer to as suspicious and/or misleading.

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 2020-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: WI

Complaint narrative:
Hello, I work for a XXXX XXXX XXXX in Wisconsin. Several of our clients are reporting complaints to us regarding the debit card for child support. They are stating that when their card expires, they won't get a new one mailed to them. They also state that they have to prove their identity, such as email or fax a copy of their social security card, birth certificate, or drivers license ( id ). I have helped the clients do this and they still do not get a replacement card. Then they get put on hold for long periods of time and nobody answer their call. I tried to call the XXXX to help them, and even I can't speak to a human. The customer service is horrible and the clients get treated so badly. What are you doing to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
for no reason at all they drop my cr score -33 pts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It was result of identity theft. 

Credit Mgmt LP - Opened XX/XX/XXXX, 2019- {$200.00} Original creditor : XXXX XXXX The last 2 address where I lived in the last two years not even was serviceable by XXXX XXXX. I called Credit Management LP, XXXX and XXXX mobile. All companies were not able to find anything under my name in the last 2  addresses where I lived. I have never delayed a single credit card and utility bill payment in my life. I was certainly a victim of identity theft. Please XXXX Credit Management LP and verify their reputation. They are known for scam people who have good credit scores. I feel myself with my hands tied. I have no information on this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am trying to resolve a name error on my XXXX 1099-INT form. I have a Spark Business checking & savings account as well as a personal ( 360 ) checking & savings account with Capital One. The business account is a single member LLC which is a disregarded entity for tax purposes ( uses the owner 's name and SSN for tax purposes ). Somehow, the 1099 was issued with the business name and my social security number. This creates a problem because that SSN is for me and not the business. It will create a name/SSN mismatch with the IRS. This erroneous 1099 with the business name & my SSN covers both my personal and business accounts. I have tried unsuccessfully to resolve the issue with both Capital One 360 ( personal ) and Spark Business. 

This complaint was originally submitted on XX/XX/XXXX. I received a reply from XXXX at Capital One onXX/XX/XXXX stating the 1099 name error had been corrected and a new 1099 form would be sent on XX/XX/XXXX. The error has NOT been corrected and a new 1099 was NOT issued. I have been unable to reach XXXX at Capital One after leaving a voicemail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX I went to the bank to begin the process of applying for a home loan. I got preapproved and put an offer on a house. Once the offer was accepted, I went back to the bank to continue the process and submit my application. The bank was able to pull my credit report for XXXX and XXXX but for some reason could not pull it for Equifax. They tried for multiple days before asking me to call Equifax and find out what why it could not be pulled. I spoke to three different customer service representatives, the first checked to make sure there was not a freeze on my account- there was not. She said the bank should be able to pull my report so I told the bank and they tried again, and again they could not pull the report. I called back and was told yet again they could not figure out why the bank could not pull my report. The customer service representative told me to create an account through myequifax.com in order to view my report myself. I tried to create an account and it brought up an error message and told me to call equifax, which I did. They could not tell me why I could not create an account. On XX/XX/XXXX, I figured it out on my own that if I created an account using my maiden name and not my married name that it allowed me to log on and view my report. I called Equifax and explained this. They FINALLY realized that they still had my in their system under my maiden name ( got married 2 1/2 years ago ) and my old address ( from 6 years ago ). They told me to fax over information to them in order for them to update it, and that i would take 5-7 business days. On XX/XX/XXXX I faxed over the information. I informed the bank that this was why it could not be pulled. The mortgage lender said she tried to pull my credit report using just my maiden name to see if that would work and it still would not pull a report. I went on XXXX and tried to order a credit report through equifax and was given a message that I could not order online through them, so I called. I am still waiting for that report to be mailed to me. We're also now on day 9 and the customer service representative I spoke to this morning said they had no received my fax with the information ... well he said, they either did not receive it OR they received it and have not updated it yet. He told me to fax it again. This has been going on for over a month now and the bank is waiting to approve my loan all because of this one credit report that I somehow can not receive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In XXXX I filed complaint number XXXX. I also had my attorney contract Fay Servicing directly and advise them of their billing error. In their response, Fay Servicing admitted their error and requested I wait a few months until they could " fix '' the problem. continued to make complete, timely payments of the mortgage, although the error was still reflected in the statements. 

Now, despite all my payments being current, and having admitted their billing error Fay Servicing has ave petitioned the Bankruptcy court to release the stay and allow them to foreclose on my home. They cite the erroneously added, fraudulent " arrearage '' as the reason. 

I was a criminal prosecutor for 25 years, and I can't understand how this company is being allowed to commit fraud with impunity. They admitted the error to you, please contact them and remind them their filing is entirely based on an acknowledged error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
There appears to be a discrepancy of the amount I show I've paid and the amount the bank claims I still owe for my vehicle. I've included the communication with the bank and despite my efforts to resolve this issue the bank states that they will repossess my vehicle unless I pay what they show even though they've not provided a breakdown vs. the breakdown I show.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation