vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filled already two times a complaint with XXXX, the first time the email was lost and the 2nd time it stated the problem was solved. Beginning of this year I went to XXXX XXXX and looked for furniture, because I was in the progress of buying a house. We looked at furniture a couch and a Dining set. The sales person wrote down some prices however not a detailed listing. The sales person told us we could do Payments or even apply for a in store credit card for the Furniture. I filled out the application for the Credit card and was approved. However we just looked at furniture at the time and see how much it would cost us and how long it would take the get the merchandise. The sales manager told us NO MERCHANDISE will be ordered until we mad a original payment of {$25.00}. WHICH WE DID NOT MAKE. After we left the Manager took it up on himself to charge the Credit card for the Furniture. We never got the Merchandise and I found out when I received my Bank Statement from Synchrony Bank he charged and maxed out the CARD. WHEN WE CALLED THE MANAGER TOLD US HE ORDERED THE MERCHANDISE ALL HE NEEDED WAS A SSN AND HE HAD THAT. EVEN BREAKING HIS OWN POLICY NO MERCHANDISE BE ORDERED UNTIL THEY GOT A PAYMENT OF {$25.00} WHICH THEY NEVER GOT. We went to the store again, and were finally able to speak to the store manager which was not the Person we were dealing with, this time it was a women and the first time it was a male. He claimed he was the Manger to turn out he wasn't, Well the Manager said she will work with us and get us the merchandise however all the sudden the merchandise was over 1 k more than what they charged my card with. So we ask if they price matched and we got told they did. We found 3 different sellers with the same merchandise over half cheaper what they wanted from us. All the sudden they did not price matched no more. Then we ask to refund the money on the credit card since we NEVER got any Merchandise and the Manager tried to see if we would like something else for the Amount which was charged. Well we did not like anything so she finally agreed to credit the money back to the Credit card. This has not happen to this day. I get charged late fees for a credit card I never used. And I have no Couch or table to show for. We addressed this twice to XXXX  and they claim the problem has been solved. IT has not. Now we were informed to contact you, and I hope you are able to help us with this matter. 
Besides this matter went on my credit report, however I refuse to pay for something I did not charge. I hope you are able to help us to solve this matter, since we been dealing with this since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-28 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have an XXXX Mastercard with Comenity Bank. I have had multiple charges on my statements that I did not make. When I went to pay my online bill I wondered why my balance was so high and I checked the statement and most recent charges. There were multiple charges made on the account in the XXXX CT area from multiple gas stations. I am unable to list the amounts because I filed a report with comenity bank and they shut down my account and I have paperless billing. The first charge was in XX/XX/2019 and there were three more charges in XX/XX/2019 When I made the complaint they said they had to investigate and said they would not take the charges off of my account. This has happened twice with Comenity bank and in the past they removed the charge. But this time they said they had to investigate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I received an alert from XXXX regarding a collection opened on my credit report. 

A collection showed up on my XXXX credit report after me having spoken to a representative of Capio Partners # XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX , Tx . XXXX about two weeks ago. 

I explained to them that the account which they were attempting to collect for was paid in full to XXXX XXXX for services provided and that i had my receipts. 

I received a statement from XXXX XXXX ( statement date : XX/XX/XXXX ), amount due : XXXX. I paid the bill in full on XX/XX/XXXX in the amount of XXXX. After receiving another billing statement from XXXX for the same amount, I contacted XXXX who confirmed they had missed appropriated my payment and that they would correct the issue. This was sometime in late XX/XX/XXXX I believe. 

On XX/XX/XXXX, I opened a dispute with XXXX ; before they had time to receive my documentation, XXXX contacted Capio who told them the information they had provided was accurate. I then in turn received a letter from XXXX dated XX/XX/XXXX, which i received three days ago stating they had investigated and that using the information provided by Capio this negative report would remain on my credit report until XX/XX/XXXX. ( I have worked very hard to clean up and maintain good credit over the years and am very distraught at the damage I saw done. My score dropped 40 plus points overnight. ) XXXX is dragging their feet reopening my investigation, I can not upload my documentation on line because for some reason, after going through their online uploading process, I received a pop message at the end stationg that my request had not been process because the file I was disputing was not in my records even though when i telephoned and spoke with four different people two, they could clearly see the negative account still posted.

I need help getting this matter cleaned up by both Capio and XXXX  please. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: NV

Complaint narrative:
I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following are listed below. This information is a direct result of identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reside in the US and own a condominium apartment in XXXX XXXX Puerto Rico. In Puerto Rico I opened three utility accounts for Water, Electric and Telephone/Internet Service. For each of these accounts I established automatic withdrawal from a US checking account with XXXX XXXX XXXX. For the Water and Electric, the accounts are still open and there have been no issues. For the telecommunications account with XXXX XXXX XXXX XXXX, doing business as XXXX, there have been many issues. 
The account was opened on XX/XX/XXXX. 
XXXX, despite having direct withdrawal, marked my status as delinquent four times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have uploaded the XX/XX/XXXX bill which indicates no past due balance. Prior to that paper bill, XXXX had refused to send paper billing until demanded. 
The account was closed by me on XX/XX/XXXX, after over one year of attempting to close it via calls to customer service that would be transferred to a retention department, then disconnected. 
Furthermore, XXXX did not report/acknowledge the account as closed until XX/XX/XXXX along with a letter stating the account has no pending balance. As of XX/XX/XXXX, XXXX owes me a credit balance of {$540.00}. When I spoke to their Finance department today they advised me that my credit balance payment has been referred to their payments department which has no direct contact with the customers. I was asked to provide a callback number in the event they needed to contact me. 
As for the four delinquent reporting events, XXXX finance did acknowledge on a call on XX/XX/XXXX that automatic withdrawal was established. My payments were withdrawn with no issue all other months, prior and future. I have requested that XXXX provide proof of late payments or why they did not make the automatic withdrawal on those four occasions in a timely manner. XXXX has not been able to provide this proof to me or to Transunion, despite my open dispute with Transunion.

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 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays Bank decided to close my Barclays Arrival World MasterCard due to inactivity. When they closed the account they sent me a letter and said I should call to claim any rewards outstanding. I had {$18.00} in rewards but Barclays refuses to pay it to me or transfer to another card ( I have another Barclays card ) because it is under {$25.00} and their policy states that they won't pay rewards until you have at least {$25.00}. By closing the card on me they are ensuring that I will never reach this amount. 

When one considers the fact that Barclays chose to close this card unilaterally, they should not have the right to just erase my rewards. It would be very simple for them to transfer the rewards or pay them out. This is unethical on their part, and part of a campaign to nickel and dime credit card customers. 

Thank you.

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 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This is a complaint against IC System. Addresses : ( 1 ) XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( 2 ) XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The company is attempting to collect on a bill issued to me by XXXX XXXX dated XX/XX/XXXX for contracted services in amount of {$2700.00}. That bill has been in dispute since XX/XX/XXXX. 
XX/XX/XXXX : I received via USPS residential delivery an account notification from IC System, dated XX/XX/XXXX. 
XX/XX/XXXX : I informed company via Certified Mail that the bill was in dispute, providing detail to back up the dispute, specifically " On XX/XX/XXXX, via USPS certified letter, and again on XX/XX/XXXX, via email, I sent to XXXX XXXX XXXX a request for further information and backup on the invoice in question such that I could evaluate the accuracy, existence and validity of the charges on the invoice. I have yet to receive a response ... '' XX/XX/XXXX : I received a " settlement offer '' from IC System. 
XX/XX/XXXX : I responded via Certified Mail, notifying that the contact is illegal and in violation of my rights under federal, state and local laws, citing XX/XX/XXXX Certified notification of dispute and demanding company reverse any and all actions taken against me in this matter. 
The company has ignored both of these notifications and continues to pursue collection.

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 2019-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: NY

Complaint narrative:
Ongoing phone calls to forgive student loan. Bogus phone number used and bogus customer service reps. Claim to be student loan center in XXXX XXXX California. Repeatedly call for information. Use one phone number on caller ID and then leave another number to call. Numbers to avoid XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-28 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: NV

Complaint narrative:
I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following are listed below. This information is a direct result of identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
My refinance with JG Wentworth Lending was canceled on XX/XX/19. The cancellation letter signed by me and my wife was sent out to XXXX XXXX within the time window. Please see the attachment.The escrow company has confirmed it and returned me the whole refinance service fee. So the loan with JG lending should be closed. In other words, the loan was never completed. But I received the mortgage bill from JG days ago. It's so frustrating? So apparently, the cancellation order did not reach to JG Wentworth Lending from XXXX XXXX or the loan officer from JG Lending who worked with me made a mistake and did not cancel my loan. 
I called both escrow company XXXX and JG lending many, many times. So far, JG Lending is still saying my loan is open and keeps sending mortgage bill to me. It will damage my credit score if they don't correct this error in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My card number ending with XXXX was lost and someone used the card they withdrew XXXX from account I let the company know about this I have open 2 disputes regarding this and no resolution is was denied The date was XX/XX/XXXX the  merchant says XXXX XXXX XXXX the amount was XXXX and XXXX Also there was others withdrawal on XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX now I contacted the merchant and they told me that they couldn't send out a card too my address and they still are denying the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: NV

Complaint narrative:
I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following are listed below. This information is a direct result of identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
In XXXX of 2019 i sent a request to the company Innovative Recovery to get information on a claim for a debt owed. I sent XXXX certified letter between XXXX and XXXX of 2019. Company failed to send any information regarding this debt. I filled dispute through XXXX, XXXX, and XXXX  in which the company still failed to send any verification of debt. In XXXX of 2019 the company sent a letter of the amount owed but still not a single copy of proof of the debt. I contact several companies i may have done business with that might have a debt of this amount owed. In which i failed to receive anything showing this balance. I have contact the company and advised of the legal lays and request that they have failed to meet the federal guidelines regarding debt collection and verification. I have sent over several copies of legal documents requesting to remove this debt from my credit report for failing to prove the debt, for failing to send a copy of any bill relating to this debt. as well as the claims to take legal action against me, i have advised that will out any verification or bill i will not make any sort of payment or payment terms. I have sent 2 follow up letter by certified mail and company has refused to send any communication regarding the debt. While the credit bureaus claim the debt to be real no company will confirm any sort of bill reflecting this value and have continued to destroy my credit over the lasts year. I am contacting a credit attorney again to dispute this debt from Innovative Recovery and failing to follow any and all debt collection guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: MS

Complaint narrative:
I filed a dispute with Experian regarding fraud on my credit file. After speaking with Experian I was told the items would be blocked while Experian investigated these items once they received a valid police report. After trying to upload these documents for 2 days I finally submitted them as part of regular dispute with Experian. The other 2 Bureaus promptly blocked the items from my credit file. I was told by Experian that they could not block the items because they did not meet their internal guidelines which is not legal according to their website and FCRA 605B.

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 2019-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I am currently finished paying a loan-off that I have had for 48 months. At the end of my loan i noticed i still had a remaining balance of {$1500.00}. I called regarding my loan a year ago because the balance wasn't adding up to be paid off according to the payments i was making. They told me I wouldn't owe a balance and that I would have. resolution team reach out to me via email to tell me what was owed if I had anything owed. When I initially got the loan the company accidentally set my loan date on the XXXX instead of the XXXX. XXXX asked me to call in and had the date changed in order to have my payments come out on the correct date due to their error. At no point was I told that I would have a balance left or I would have to pay anything extra at the end of my loan. If I would have known that my payments should had changed in order to fit paying off the balance on time. XX/XX/XXXX should have been my last payment. I called in XXXX of XXXX to verify if something changed as far as my balance and I was told that they did not see anything at that I would receive and email. This is not fair to me. I was proactive and you are not able to speak to an supervisor they make you wait for an email. have never missed a payment and been on time. Please help me

Company response to consumer: Closed with explanation