vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid off my Bank of America balance. BoA is still taking automatic payments out of my checking on a card that has a XXXX  balance. When I ask for this to be refunded, they keep telling me to " call back tomorrow ''. I then asked to just have my money refunded and to have the account closed, and they told me that I would still have automatic payments taken out of my account even if I close my card account. Currently, I have been on hold for 49 minutes with no end in sight. They are not willing to help me, refund my money, close my account, or stop taking money that I do not owe them. How this is legal is beyond me, but it needs to stop.

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 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
National credit audit Corp was audited and trans union after review deleted this account for {$4100.00}. They still have not deleted and or reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote to Bloomingdale 's to dispute billing errors on my account. I first wrote on XX/XX/XXXX and never received response ( certified receipt ). I then wrote again on XX/XX/XXXX ( certified receipt ) and to date no response. These letters were addressed to the CEO. 
The amounts billed each month as I described in my first letter were incorrect. One month I owe thousands next month nothing. I was being charged for items returned months before. Payments I sent in were put on items to be paid XXXX and the item they say I did not pay I was charged lump sump of interest payment. I am and have requested that the errors be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. In the beginning I made calls to try and correct to no avail ( dates are in my letter ).

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX New Jersey. Which later I found the double charged me. The card holder which is Synchrony bank was unable to assist in reversing the charge due to the actual company where purchase was made has to. Okay so they gave me additional numbers to contact due to now the XXXX facility is now permanently closed. XXXX which I left a message and was received a phone call back explaining they were unable to assist me. Then XXXX, and XXXX, okay so I called the XXXX store where a manager had me on hold for 58 minutes. So I went there and spoke to him in person and stated that it will be resolved but today is XX/XX/XXXX the charge is still pending on my card and customer service still states that I have to speak with the original merchant. When someone is not understanding that the facility is permanently closed. I'm still getting contact numbers where no assistance can assist me. This should not be I want the charge reversed {$560.00} ( My sales order number is 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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
I am not sure of this debt. I sent validation of debt certified mail. I made payments to stop this from going on my credit report until validated, which they agreed if I made payments they wouldnt report. They reported the debt even tho the payments were made as agreed.

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 2019-06-17 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: CNG HOLDINGS INC
State: OH

Complaint narrative:
Asked both of these companies for validation of debt. Original creditor TEMPOE aka Why not lease it and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/17 I placed a security freeze on my Equifax credit report in response to their massive data breach. In the past year I have tried twice to remove the freeze temporarily so that I could open new credit sources. The first time after hours on the phone with multiple customer service agents I finally determined that Equifax had changed the email account of record on my account without my knowledge or permission. This past weekend, I again tried to temporarily lift the freeze using the new email address but was locked out of the verification process. I again spoke with multiple agents to no avail. Finally one of them suggested I speak with a US based supervisor when they became available on Monday morning ( all weekend customer service is provided by foreign nationals who are clearly just following a script and have no discretionary authority ). I began at XXXX and spoke with XXXX, who transferred me to XXXX in the US.She listened to my story, acknowledged that she could not help me either, and put me on hold for a supervisor. After being on hold for 2 hours I gave up and filed this complaint. This is straight out of XXXX. Equifax mishandled my data and compromised my identity. I reacted by trying to protect myself and now they are punishing me by denying me access to new credit. Who's paying the price for their breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My chapter XXXX Bankruptcy is showing discharged with all credit bureaus expect for Transunion. They had put in a dispute claim, but said it was not up to them to fix it.

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 2019-06-17 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: I.C. System, Inc.
State: MA

Complaint narrative:
This company claims that I have a balance of {$310.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to XXXX  asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows ( XXXX XXXX ) as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.

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 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an offer in the mail to apply for the Capital One " Spark '' Business Card. The offer included a {$1000.00} Cash Bonus after spending {$10000.00} in the first 3 months. After fulfilling this qualification I received a {$500.00} Cash back. After numerous phone calls with customer service and management they have refused to give the offer that was promised. 
Procuring cause and offer information below has been provided. 

Reservation # : XXXX Access Code : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 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: OH

Complaint narrative:
Asked both of these companies for validation of debt. Original creditor XXXX aka XXXX  XXXX XXXX XXXX and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.

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 2019-06-17 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: SECURITY CREDIT SYSTEMS INC
State: OH

Complaint narrative:
Asked both of these companies for validation of debt. Original creditor XXXX   aka XXXX XXXX XXXX XXXX and debt collector Security Credit Services has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a debt collection attempt from Jefferson Capital System that was opened XX/XX/XXXX. The debt was originally to XXXX XXXX, the issue with this debt is that I had cancelled my plan with XXXX XXXX due to my military XXXX  prior to XX/XX/XXXX as that is the year that I was discharged from the military, I was unable to continue the contract, I provided my XXXX   to the XXXX XXXX store located near XXXX XXXX, NC where I was stationed and was promised that it was taken care of. The original phone contract was from 7-8 years ago and XXXX XXXX is unwilling to give me information about the contract or anything about the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called National credit system at XXXX XX/XX/2019 the fake fraudulent lady claimed I owed XXXX XXXX  XXXX. I dont owe anyone anything this fraud by wanted fugitives in retaliation for me reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX all for multiple XXXX and poisoning to the New York State Attorney General. National credit system is allegedly at XXXX. XXXX XXXX XXXX, GA XXXX sound some XXXX old trying scam people. She got all information wrong Im suing Where lived over braking in my apartment. National credit system requested my lawyer and I could be sued over this alleged debt. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
My Purse was stolen out my car in XX/XX/2015 and I noticed on my credit report I had accounts that's not mine. I made several attempts to contact the companies and let them know however its still on my credit report. I also made a police report and have copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC
State: LA

Complaint narrative:
DSLD has a mortgage company, they are a builder, and have a title company. 
DSLD mortgage appears to be violating the intention of RESPA due to the fact that they will not pay closing costs if it goes through another lender but will provide a the builder agrees to pay $ XXXX in closing costs if the borrower agrees to use their title company and lender. 
Since the buyer has to pay more based on some contingent factor from a builder, lender, or other party isn't this a RESPA issue? The additional amount paid would generally be considered a kickback  to the benefitting party. 
Home builder incentives ( buyers have to use the builders mortgage company or pay thousands of dollars more for the home ). 
Lender incentives ( imposing an additional fee on homebuyers who elect not to use an affiliated company ). 

Mortgage companies that do not operate within the confines of the law and attempt to operate in contravention of the federal consumer protection laws have an unfair advantage to that of bank lenders as well as present the potential for significant consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There are two different accounts on my credit file that I do not know where they came from, I noticed that both accounts have a weird name like syncb/old navy and syncb/payP. I did my research online and it says that these accounts came from synchrony bank. I sent a letter to XXXX, XXXX and XXXX asking them to validate these accounts because I do not recognize where they came from and all that this company sent me is a copy of my credit report saying that the accounts were validated without providing me an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to these accounts but up to this day I have not received anything like that from them. These accounts are showing with a status of discharged in bankruptcy and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows that these accounts were open on XX/XX/2014 and synchrony bank as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it if they are claiming that these accounts belong to me. By law all information on my credit file must be 100 % accurate, without any mistakes.

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 2019-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: NY

Complaint narrative:
Investigation did not fix error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Just a brief summary of the case : On XX/XX/XXXX XXXX XXXX XXXX filed a fraud foreclosure claiming unlawful payments out of the permanent modification agreement that they signed on XX/XX/XXXX, and which document I am attaching to this complaint. 
XXXX XXXX XXXX later transfer the service to XXXX XXXX that did follow the same pattern of returning my payments made accordingly to the Permanent Modification Agreement, and Land Home FS is also doing the same from they took the Service in XX/XX/XXXX this year. 
Because it could be that the Permanent Modification Agreement contract ruling this loan hasnt been disclosed to Land Home FS is the reason why I am enclosing the document for review ; it proofs that I have always been correct in my payments and as proved in Court I have never been in default. 
Land Home have returned all accumulated payments, including theirs, and I sent the payments back on XX/XX/XXXX including the payment of XX/XX/XXXX, according to the established modification contract, I exhort Land Home to accept the payments in order to make things straight and not let extend the length of their mishandling that could also impact their amount of Respa fines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Early XX/XX/2019- A full payment was mailed to My loan care for XX/XX/2019 payment. 

XXXX XXXX I called and the automated system said the payment was received. 

XXXX XXXX Check still wasn't cashed XXXX XXXX Called loan services and was told the check was " reversed '' for NSF ( non-sufficient funds ) XXXX XXXX Called my bank ( XXXX ) and verified that funds were present. They were. 

ALSO, XXXX told me that NO checks were presented for payment. 

Called My loan Care ( loan servicer ) back.. Spoke with XXXX (? ) ID # XXXX in customer service and made a payment over the phone. Confirmation # XXXX. ( She was helpful ) Called loan servicer XX/XX/XXXX and XXXX. Automated system said loan payment was received, however it also says XXXX payment is DUE and the funds are STILL in my XXXX account. 

This company has been challenging to say the least. Their web site does not recognize my account number, so I can not create an on-line account, I have been lied to, transfered from one department to another, just to be put on hold then disconnected. This not how a business should be run.

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 2019-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
I started my payment at $ XXXX a month and then I received a letter stating that my payment is $ XXXX a month which is over my budget.I had try to make arrangements with them of the amount that I can afford to paid monthly but I they want agreed with that payment.

Company response to consumer: Closed with explanation