vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please check attachments below and place and extended fraud alert on my credit report. I also sent a letter via certified mail which I will attach proof below. Please notify me once your office has received my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
while living at my dad 's house, my dad had rented a room to XXXX XXXX, I don't know much about her excepat she came from Michigan and she leaving to go in XXXX CA. She had accessed my room to my information, my accounts and opened up several credit cards. She also had access to mail box. I noticed everything after i ordered my credit report. I notified every one and I file police report also identity theft.gov i filed. Now every body says its over year you have to pay for charges how is that possible? i be responsible all this money? 
Sychrony Bank : - XXXX credit card - Gap Card - TJX Reward car - Banana Republic card All with sychrony bank, the investigation was done by the bank and i was notified by letter from the bank.

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 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have received multiple letters from Portfolio Recovery Associates, LLC trying to collect a debt that was paid a long time ago. The statue of limitations expired ( they even state that on the correspondence to me ).  I have asked for any proof of that I still owe this since my records show this was paid off. The company sent me a statement of account ( first page ) ( like what you get in the mail ) that was dated XX/XX/XXXX. I have sent 5 letters to this company stating that I don't owe the money and that a statement of account is not proof of a debt. Today ( XX/XX/XXXX ) I received 3 letters from 3 different people at their company telling me to send a request for substantiation of the debt. They have reported this debt to collection agencies which I am now having to work to get removed from my credit report. I'm tired of this company ignoring my correspondence and continuing to report that I owe money I don't. They are affecting my credit score. Furthermore, they know they can't sue me for this debt but they won't leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Charleston Area Medical Center
State: WV

Complaint narrative:
I checked my credit report today and a company, Healthcare Financial Services, has reported to the credit bureaus that I have an outstanding balance on a medical debt in the amount of {$1500.00}, which was reported on XX/XX/2018. 

I remember paying this debt and checked my credit card statement, which reflects payment was made on XX/XX/2018 in the amount of {$1500.00}. 

I contacted Healthcare Financial Services and just reach their voicemail. They have not responded to my inquiries. 

Contact information for Healthcare Financial Services is as follows : Healthcare Financial Services XXXX XXXX XXXX XXXX. 
XXXX, WV XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a credit card account with Capitol One Bank in XXXX. The account number is XXXX. In XXXX, I made a cash advance in the amount of {$30.00} and when I paid my bill for that month, I made sure to pay the account balance enough to cover the cash advance. As I continue to look at my Capitol One Bank bills with the hopes of paying off my credit card balance, I realize that after 6 years ( XXXX - XXXX current ) Capitol One Bank is still charging me the cash advance interest for that {$30.00}, in fact the interest is estimated to be around $ 40+ dollars a month for that {$30.00} from 6 years ago. 

When I tried to address it with the bank, they kept me on hold for hours and never returned to the phone. 

As I calculate the cost, I have been charged nearly {$5600.00} over the last 6 years for {$30.00} in cash. 

This is unlawful and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I currently have a fifth third secure credit card. I couldnt enroll in auto payment online so I applied via mail. I sumbitted my first form of auto payments during the beginning of XXXX and still havent gotten auto payments yet and its already mid late XXXX. I didnt want to get charged a late fee so i called towards the end of XXXX to reassure if I was already enrolled in auto payments yet and the customer service reassured me i was already enroll and that it will withdraw from my bank account on XXXX XXXX so I didnt have to set up a payment. XXXX XXXX comes around and i recieved a call stating i have missed a payment and charged a fee. I called up to fifth third customer service and the lady told me i was not enroll onto auto and that she couldnt help with my problem so she gave me a number to call back to see way i wasnt enrolled in auto payment. I do not recommend this credit card or bank at all very unprofessional and do not value you as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I received a letter from a collection agency claiming that I owe an amount of {$200.00} to Florida Hospital XXXX reference number XXXX. I sent a letter on XX/XX/2019 demanding the company provides me with more information about the debt as I am not aware of such debt. Shortly right after, the agency have reported my credit report of a negative status of collection and did not send me the information I requested. I immediately followed it with another registered mailed letter with return receipt ( attached ) demanding the company remove the negative reporting and send me the information about the debt. I also disputed the reporting with the XXXX  Credit Agency. 

Unfortunately, the collection agency never replied to my two letter nor they have acknowledge receipt. I have a confirmation receipt from the XXXX XXXX XXXX that my letter was received and signed off by the collection agency. ( Attached ) Below is the information of the collection agency : Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.

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 2019-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XX/XX/2019 Car rental reservation made online with XXXX XXXX XXXX XXXX at XXXX airport in the amount of {$390.00}. Arrived for noon pickup to find 40-50 people waiting in line. Waited 1 hour and 10 minutes with no movement. Called XXXX to be told the reservation was non-cancellable. Because I had an important engagement I tried several other rental agencies in the airport to no avail. Left Airport, drove to XXXX, rented at XXXX at considerable expense and lost time. Contact Capital One completed their documents and charge was temporarily rescinded. They later responded that because I had not cancel the reservation I was responsible. Provided proof of attempted cancellation. Response was I had not waited long enough. However they could not tell me what a fair amount of wait time would be. They then responded, as XXXX had, stating that in fact the contract was non-cancelable despite the fact that they had not kept the contract agreement of a noon pickup. Capital One then re debited my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Two Hard Inquires remain in my credit file : 1. XXXX XXXX XXXX- XX/XX/17 2. XXXX XXXX XXXX- XX/XX/17 These Hard Inquires are more than 2 years old and should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted the customer service line for JP Morgan Chase 's Banking services to report that Chase had cashed a check # XXXX of mine twice first on XX/XX/XXXX, then on XX/XX/XXXX. In the first instance, Chase 's records mistakenly coded the check as # XXXX. The images from the entries for both dates clearly show the check number to be # XXXX. The actual check # XXXX and corresponding images corresponds to a payment of {$120.00}, and that transaction is correctly coded for XX/XX/XXXX. 

For the second incorrect deduction from my account of {$930.00} on XX/XX/XXXX, the check was coded with no number at all in the Chase system. 

On XX/XX/XXXX, I was advised I would receive a call back within two business days regarding the matter. The call back I received was unsatisfactory as the caller from the Communications Department could not provide any information as to when the charge would be reversed, nor would he connect me to his supervisor. I was told I would receive a call from a supervisor within 2 days. I did not. 

On XX/XX/XXXX, I called Chase Banking to inquire why I had not received the promised call back. On this call, I was assured that the {$930.00} incorrect charge would be reversed within 2 business days. This credit has not occurred. 

On XX/XX/XXXX, I called Chase Banking again to inquire as to why the credit had not posted to my account within 2 business days as promised. After being disconnected prematurely by one operative, I finally reached an individual who told me that my account would not be credited until Chase Bank had recovered the funds from the external bank. When I reported that this response was insufficient, as I had already waited long enough for Chase to correct its error, I was informed there was no one I could speak with who could do anything else until my complaint 's project closure date of XX/XX/XXXX. If the matter was unresolved on XX/XX/XXXX, I was informed my only recourse would be to resubmit the complaint. Given how long Chase has stolen my funds, this is a completely unacceptable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.

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 2019-06-13 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: WV

Complaint narrative:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DID NOT GIVE ANY SORT OF AUTHORIZATION TO BE REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF MY CREDIT FILE FOR IT IS CAUSING SERIOUS REPORTING DAMAGES.

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 2019-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Recieved a letter I'm mail on XX/XX/XXXX about a card I never applied for through Kohl's.I have an unauthorized inquiry on my XXXX credit report.i have asked kohls to remove this inquiry to no avail. The last 4 of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/19, I placed an order with Walmart.com for an item the store would fulfill but was out of stock. Although ordered a specific item in the amount {$62.00} they tried to force another item to substitute my item. On XX/XX/19, I refused the item and was asked if I wanted a refund? I though that was a XXXX question to asked especially since I ordered the out of stock item. I received a refund receipt but it was for the item they wanted to substitute my item. On XX/XX/19, I called Walmart Credit card services to report the issue while it was still pending after trying for 2 days to resolve it. I was told they could credit the item because the item wasn't refund in the store. I'm telling there wasn't an item because it was out of sock. I explained to them the store clerk used a dummy receipt so it would appear that they refund my credit card. I called Corporate office and spoke to XXXX rep she held the phone because she did  not know what to do. I asked for a supervisor ( XXXX ), he very rude, abrupt and unprofessional. He treatment like unwanted visitor and called a XXXX XXXX XXXX before hanging up on me. Then I called him back to see why he felt it was ok to use profanity and hang up on customer. But XXXX ( another supv ) came to phone and cold transfer me back to Walmart.com. 
Now I have {$62.00} charge on my Wamart Credit card for an item I did not get. No one with Walmart Credit Service will assist me with resolving the charge on my account. I have attached the dispute form completed for resolution.

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 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.

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 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i submitted to my bank a few claims where the merchant services are not as described, the cost was different than what was agreed upon on and what is advertised for the general public, and i was not in possession of my vehicle and the insurer was not able to perform their duties during the time im requesting that my money be refunded to me. 
i presented all documentation available as well as the advertisements/listing themselves explaining in detail the aspects of the cases. 
to my surprise the bank rejects them in a few days and didnt even post a temporary credit nor did they even bother to call me or ask for more evidence. This all seems very odd So i reached out wondering what they needed and i noticed they'd combined 2 of the claims and kept using facts from each to argue the validity of the charges as a whole. I continued to ask that they not do that and if we could please re submit my claim with the each claim having its own specific detailed case number and i explained i was requesting this because the facts were very mixd up and that for that reason there is a bias and they are not looking at the facts correctly. They have declined to hear reason and continue to recount the individual situation incorrectly they also refuse to hear me when i explained that even the insurance company has agreed that i absolutely cancelled the policy and that i didn't owe. i'm trying to keep working with the insurance company on that but the facts are on the other two cases not only has capital one refused to ask according to my rights but they have ignored basic reasoning and my steady reminder that they are not stating facts correctly and can not pass a judgment when not all the information is correct. it is also my stance that capital one has used my words and switched them to better suit their narrative and my conversation today further proved that as each recount was completely bias and full of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit is attempting to collect on an account that has a XXXX balance while reporting knowingly false information to XXXX and XXXX against my credit file. 

This derogatory account must be removed from my credit file because on XX/XX/2019, the primary service provider, XXXX XXXX XXXX XXXX, adjusted the account to a XXXX balance. The medical bill has been in constant dispute since inception due to a pending malpractice action I am planning on filing against the treating physician and facility because of their negligence in my care which proved almost fatal. As a result of my prior correspondences with the provider/hospital which details the negligent care by their physician and facility, I demanded any amount billed to be held for naught, which they agreed to on XX/XX/2019. 

As documented on my credit report from XXXX XXXX and XXXX, Medicredit Corp. began premature collections on this account on XX/XX/2019 ( less than six month after the account was created ) without any notification or investigation as to the validity of the debt. Moreover, the account statement ( attached here ) from the primary service provider clearly shows that the account was still in good standing and under their control through XX/XX/2019 when the account was adjusted to 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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello SIr/Madam, I requested Fifth Third Bank to close my escrow account around 1st week of XX/XX/2019 ( my home LTV was less than 80 % ), they told me that once I make a written reqest it will be closed in 2 buisness days and mortgage payments starting from XX/XX/2019 will be adjusted accordingly. I received a refund check from escrow companay around XX/XX/XXXX week, however as of today it's been 1.5 month and even after multiple conversations, it's not done even after they having all the evidences to establish LTV < 80 % : -their appraisal report apprasing property around XXXX ( LTV 76.5 %, home loan is approx 343,000 ) -XXXX  county appriasal report of property around XXXX for tax purposes ( LTV 78.5 % ) -PMI cancellation notice ( sent after LTV < 80 % ) Even after having all these evidences they haven't closed my escrow account & monthly payments adjusted accordingly. I would request XXXX to step in to resolve this.I would be glad to share you any information or documents that you need. 

Thanks, XXXX.

Company response to consumer: Closed with explanation