vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Selip & Stylianou, LLP
State: VA

Complaint narrative:
XX/XX/XXXX Received 1st and only notification from Selip & Stylianou, LLP about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX.When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address.On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they don’t have a license to practice in XXXX.On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative.On XX/XX/XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with themOn XX/XX/XXXX, XXXX verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above.On XX/XX/XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for $XXXXAgain, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX.I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019 a Non-authorized withdraw from my Santander Bank N.A. checking account# XXXX in the amount of $XXXX. I complaint with Santander Bank twice and twice they denied my claim stating a merchant was correct. I further request Santander bank to provide me with proof as of a product or service was provided to me by this company: XXXX XXXX I was not even aware about the company that withdraw the money from my account without my authorization. I tried to call the phone number provided by Santander bank and it doesn't work or is out of order or does not exist. I complaint second time and a straight answer denying my claim came again from Santander bank.
I ask Santander bank to provide me with proof that I received that alleged product or service but it was never provided to me. I tried to contact " XXXX XXXX" in XXXX XXXX XXXX Utah, without luck.
I am in possession of two letters from Santander Bank denying my claim, eventhough Santander Bank never give me proof of any product or service in the amount of $XXXX  was provided to me on or about XX/XX/2019.
This caused my account go negative and return automatic payments for non-sufficient funds, a disaster.

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 status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.

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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a personal checking account with Fifth Third Bank XX/XX/2019. At the time of opening a {$250.00} promotional code was attached to my account. The terms were to deposit {$500.00} in the account within 45 days and maintain a {$500.00} balance for 60 days. I deposited {$500.00} on XX/XX/2019 so XX/XX/XXXX would be day 60. XX/XX/XXXX just 2 days from qualifying for the {$250.00} bonus, I discovered {$130.00} pending charges on my account from XXXX and XXXX XXXX which are fraudulent ( I don't purchase adult beverages ) and caused my balance to go below {$500.00}. What's strange about this is I've never swiped the card at any payment terminal or made any purchases with the card online. In fact, the debit card never left my home. I've since contacted customer service, and they are working on the case # XXXX. I am now having mixed feelings about banking with Fifth Third Bank as I've heard the exact same thing happened to other customers. I do not see how Fifth Third Bank can offer an Identify Theft Protection product when it can not protect customers debit accounts especially when the debit card never been used or left the customer 's possession.

I've been told by many others the exact situation where a debit card has been charged without ever being used occurs often at Fifth Third Bank. This seems to be a pattern and Fifth Third business practices should be thoroughly investigated.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all inaccurate I have never been in XXXX Arkansas in my life

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
On or around XX/XX/2019, Discover sent me an email for a Promo APR of 1.9% for 9 months on new purchases.  I clicked through the link and got a message that I was enrolled.  Around 5 weeks later, on XX/XX/2019, I received a second email with the same offer.  Immediately after receiving this second email, I sent a message to Discover to ensure that the purchases I made in reliance on the offer from the XX/XX/XXXX date were subject to the promotional offer.  I was told that they did not have a record of me clicking through (which I most certainly did as I advised my mother who I support to make purchases, when she could, with Discover given the promo rate). They said they could not apply it retroactively but that it would apply starting the next day, XX/XX/2019.  Thus, I now have nearly $1,000 in purchases (as I had no previous balance on the card, or it was paid in full every month), for which they should be applying the promotional rate but are not.  Furthermore, Discover does not give any confirmation, other than the screen when you click through, that the rate was applied.  Thus, at no point was I advised, until receiving the second email, that the offer did not go through (when the web page very clearly said it was activated).  This is deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was insured with XXXX XXXX XXXX via XXXX. I have confirmed with XXXX XXXX XXXX  that I was covered XXXX ( with no lapse ). My treatment was XX/XX/16 during the coverage. XXXX XXXX is saying they called on XX/XX/16 and were told that I had no coverage so they never billed XXXX XXXX. I did not receive collection notices on this debt. I found out about the debt because a credit application was denied and I pulled my credit history. XXXX XXXX never submitted the claim to my insurance, they refuse to provide me the bill and medical records so that I can submit the claim. The original amount was around {$1500.00} but it is now up to $ XXXX. I believe this is an error on XXXX XXXX not submitting the claim properly. XXXX XXXX would owe the claim but since I don't have anything to submit, I can't even submitted it to them. My guess is that there maybe a SOL on submission as well. I have been trying since XXXX of this year to get the billing and records. The collection company has not provided them. XXXX XXXX says I need to contact the Collection company Progressive Management ( which I have done multiple times ). XXXX XXXX refuses to provide me proof of the bill and records so that I can submit the claim they should have submitted to XXXX XXXX. Progressive Management says the claim is to old so they won't submit it to XXXX XXXX. I am in this loop of nobody giving me the supporting documents and they have never even submitted the claim to XXXX XXXX my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Identity theft I noticed and incorrect Accounts on my credit

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I enrolled in the free membership to view my credit which I was the 1st time. Once I started getting email alerts my score was no longer available. The 3 reasons listed are not applicable and the other bureaus report.

I contacted Experian and was told the same as above, then was told I needed to dispute and was transferred back into que to hold for estimated 11-15 minutes I disconnect.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I contracted XXXX for a reverse mortgage which was to close on XX/XX/2019. I contacted my current mortgage company, Ditech, on XX/XX/2019 and requested that they not pay my property tax from my escrow because the title company for the reverse mortgage was going to pay the taxes. The real estate taxes were due XX/XX/2019. I talked with the supervisor of the Ditech tax dept and he assured me that they would not send the property taxes. My reverse mortgage loan closed on XX/XX/2019 as scheduled. I called Ditech on XX/XX/2019 to inquire where the $XXXX escrow was. Ditech informed me they had sent the escrow to my county tax dept on XX/XX/2019. I contacted my county tax dept and was informed that they had received the escrow check in XX/XX/XXXX but had mailed it back to Ditech on XX/XX/2019 because my taxes had already been paid by the title company. I have shared this information with Ditech and they tell me they do not know where the money is and that I will just have to wait till it shows up in their system.I was told by one agent in Ditech's tax dept that it could be 30 - 60 days before this will be cleared up.

Company public response: Company believes complaint is the result of an isolated error
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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc
State: WA

Complaint narrative:
I asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Identity theft I noticed and incorrect Accounts on my credit

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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Identity theft I noticed and incorrect Accounts on my credit

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
Approximately XX/XX/XXXX I requested my Credit Reports from the 3 credit bureaus and found a Discover account that I did not apply for and have never used. I immediately requested a 'Fraud Alert ' be placed on file.

As I continued to research my Credit Report I found glaring discrepancies that I reported to the bureaus and the Fraud Department of Discover.

- The Discover Card was opened in XX/XX/XXXX - {$810.00} was charged and the account is more than 120 days delinquent -The account was turned over to a 3rd Party Collections that continuously called my cell # -The report shows that the Discover application was opened under a false address that I have NEVER lived at and the date of this Address Information has a date of XX/XX/XXXX. 
The thief 's put " Unknown '' as employment. I am an educator and have NEVER not known my employment type. 

I have been waiting for Discover to investigate this manner and report the fraud to the 3 credit bureaus to REMOVE Discover from my report and they have failed to do that.

In the 'Fraud Department ' there seems to be one supervisor in charge of communicating decisions when I call for updates and depending on the time of day in a different time zone than where I live I can not get a response.

Company response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
1. I was charged {$1000.00} to XXXX XXXX which I did not authorize! to my Barclaycard. I did report it. Which brings me to the facts of some suspicious operations with Barclays. 
On the day I tried to call in customer service to deny authorization of that charge, there was no customer service up and running. I believe their computer system was down. I don't know really why and no attempt was made to notify customers before, during or after this incident which I find very suspicious. I did close that account. 

2. I had noticed for the duration I had this card that IT TOOK 4 TO 5  DAYS TO POST CHARGES AND THEN IF I MADE A PAYMENT IT TOOK 4 TO 5 DAYS TO CREDIT THE ACCOUNT WITH MY PAYMENT WHICH WAS DONE ONLINE RIGHT FROM MY BANK ACCOUNT and therefore this is my complaint : 1. Fraud 2. poor banking accounting done in a timely manner and customer service done by remote agents all over the world which should be banned.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX Received 1st and only notification from XXXX XXXX XXXX , XXXX about Motion to garnish wages. This was sent submitted to the XXXX County in XXXX  where I have not lived in almost three years. My address had been updated through the postal service and I have not had any issues with my forwarding services to my new address in the state of XXXX. 
When I received this communication, I reached immediately and explained to the firm that I had not received any other communication and I also provided them with my updated address which they did have on file! Yet, I never received anything to my current address. 

On XX/XX/XXXX, I spoke to several people which confirmed that the file had been closed and no wages would be garnished as a result of filing in a state where I do not live and because they dont have a license to practice in XXXX. 

On XX/XX/XXXX, I followed up with the firm to make sure that the file had been closed and no further action was required. This was confirmed through another representative. 

On XXXX, I was told by the firm that the file had been returned to Synchrony Bank and to follow up with them On XXXX, Synchrony verifies they had this file back and that they would work with me. They also confirmed that no wage garnishment would occur as this case had been dismissed for the reasons mentioned above. 

On XXXX, I received a letter from my payroll and Human Resources department notifying me of the wage garnishment effective on the XX/XX/XXXX paycheck for {$XXXX} Again, this is not legal at all! I was not informed of the suit. I was not served with any documents nor was I contacted at my new address. The suit was submitted in a state that I have not lived for the last three years. In addition, I had not lived in XXXX county for a year! I had moved to XXXX county and the to XXXX. 

I ask that this is immediately rectify and an apology letter along with the respective suit dismissal letter to be sent. This puts me at a very high risk of losing my employment as a result of negligence and lack of due diligence on the firms part.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Collections Account XXXX XXXX XXXX XXXX, XX/XX/2019 transmitted to Equifax the Collections account is to be removed. I have a letter stating the collections account was to be removed and faxed the letter also to Equifax. XXXX from Equifax acknowledged they received the letter and the account would be removed within 4 to 5 days. Equifax has not removed the account.

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: CL Holdings LLC
State: DC

Complaint narrative:
Received multiple harassing phone calls -- 3 in a day, XX/XX/19. I called back because I'm annoyed, the recording asked for me to input my social security number -- which I did not input. I looked the company up, called them, and they again asked for my SSN, which I did not give. Then I told them I was going to report them and I am. They looked up my account with the last 4 of my social and I am not in the system for owing anything. Please investigate them, I can only imagine what they are doing to people who don't know to come to the CFPB. Put Jefferson Capital Systems , LLC out of business.

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 caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had 3 transactions overdraft me for XXXX dollar fees each and i am having extreme difficulty trying to understand why of the merchants reversed those charges then why the fees cant be reversed either and i have to wait until XXXX next year for any posdible bank fee refunds. I have had extreme issue with my updated chase app not showing what my actual and current available balance is as well as the chase.com website available balance having the same issues as the app

Company response to consumer: Closed with monetary relief