vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX : Transaction date for {$750.00} for nothing ( I never ordered or received anything ). 

XXXX - XX/XX/XXXX : Contacted both the store and the bank. 

XX/XX/XXXX : Filed for a dispute to the bank. 

XX/XX/XXXX : Contacted the bank again, received a replacement card. 
Filed for another dispute for the second time ( no follow up on the first one ). 

XX/XX/XXXX : Final decision by the business : no fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
I disputed these account many time with the collector and they insist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I INFORMED CHASE ON XX/XX/XXXX VIA THEIR WEBSITE THAT I WANTED TO INITIATE THE BELOW DISPUTES AS THESE ITEMS WERE CANCELLED AND I HAVE NOT BEEN ABLE TO GET THE MERCHANT TO RESPOND. I WANT CHASE TO DISPUTE THESE CHARGES ON MY BEHALF AND CONTACT THE MERCHANT TO GET ME A REFUND. 

Post Date Description Category Type Amount XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am complaining about my Equifax credit report score decreased by 50 points. Equifax has allowed three disputes on my credit report, and I did not authorize these disputes. XX/XX/2020, received an alert from XXXX XXXX my score decreased by 50 points. I reached out to Equifax, I spoke with the representative XXXX, employee XXXX. XXXX confirms three disputes show on my credit report, and it is pulling down 30 % of my credit ratio. I inform XXXX  I did not request for any disputes on my credit report how can I stop and remove the disputes? XXXX states there is nothing I can do ; I had to wait 30 days for a response. XXXX informs the three disputes are paylaince, XXXX XXXX, and XXXX  XXXX. I told XXXX  it is impossible to have a dispute for XXXX because I paid off this account, XXXX refuse of stop the is dispute I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On Friday, XX/XX/2020 {$460.00} was deducted from my checking account. The line on my statement said Cash App, parent company Square. 

I do not have CashApp. I notified my bank on Thursday, XX/XX/2020 that I saw a pending transaction for release on XX/XX/2020 that same day my bank fraud department stated that via this CashApp they tried to deduct after the {$460.00} was approved they tried for {$1400.00}, {$1000.00}, {$750.00} then {$500.00} each time getting lower. Since the charges were coming from California and were according to the Bank Fraud Representative `` XXXX XXXX type of things '' they declined the charges. 

CashApp and Square have no email address, no contact phone numbers. You have to have their App and card to receive support. I informed my bank who provisionally returned my stolen money until their investigation is over. 

Today, Saturday, XX/XX/2020 a CashApp card shows up. I tried getting on to their site, I put in my email address - no email address exists for them. I put in my cell phone number - no phone number exists for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, Equifax 's database was breached. They did not notify me in writing that my social security number and personal information, along with my son 's social security number and his personal information ( XXXX XXXX-under XXXX years old ) was compromised by an unknown party or parties. I found out because I am registered via email with XXXX XXXX XXXX, which notifies consumers every time there is a problem with a consumer product or service. They notified me that Equifax was being sued in a class action lawsuit because the company 's database was breached and 147 million consumers were impacted. We were two of the 147 million. I was told that I missed the deadline to file a claim, but Equifax NEVER notified me, and had nerve to send an email dated XX/XX/XXXX after the incident happened. I was only eligible to fill out two claim extension forms, one for me and one for my son, and Equifax is not compensating us for their error! This can have a serious impact on my son and my welfare as well, and I want to pursue litigation, especially for my son who is a minor and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Purchased a set of golf clubs from XXXX XXXX XXXX on XX/XX/XXXX Processed payment through my XXXX account. Received clubs on XX/XX/. Opened packaging on the 7 iron and hit a few balls. Did not like the feel of the club so put it back into its individual wrapping and put it back in the original box with the other clubs. Returned the set of clubs to XXXX XXXX by XXXX on XX/XX/. A few days later I received a call from XXXX at XXXX XXXX saying they received the clubs but one of the clubs was used indicated by the wrapping. Was told that a full refund could not be given because I used their prepaid return label which I was {$7.00}. Was told that the {$7.00} would be deducted from the total of {$1000.00} to which I agreed. Waited several days to get notification concerning my refund. Made several calls to XXXX XXXX and spoke to different people each time getting different answers. On XX/XX/XXXX, I wrote a letter to XXXX and disputed the claim online. On XX/XX/XXXX, XXXX acknowledged receiving the case # ( XXXX ). The reply from XXXX stated that additional info would be requested from XXXX XXXX. On XX/XX/XXXX, got email from XXXX saying my case was denied. I did not pay for the clubs that I returned. Attempted to purchase a home to find out that XXXX XXXX, by way of, Midlands Credit Management , Inc. had placed an amount of {$1400.00} on my credit report for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited three checks at a Wells Fargo atm On XXXX and XXXX  in XXXX XXXX Florida on XX/XX/XXXX 1 check in the amount of {$300.00} and the other two in the amount of {$150.00} each the atm machine did not deposit the checks or return them to me. I went into the branch made a claim after a couple days I called the banker that I made the claim with and she was able to give me a temporary credit until they could locate the checks and sort out the confusion. Fast forward to XX/XX/XXXX and they took the {$600.00} back and said that the claim specialist rejected the claim after two months!!!!! Two months?!?! During an epidemic where people cant work and are struggling to pay bills they decide to reject my claim?!?! They can offer me no information over the phone they can provide me with nobody that knows anything about whats going on and they cant return the checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This company Medical Data Systems , Inc. is attempting to collect a debt that I do not owe them. I have signed no paperwork nor agreed to anything with these people. Moreover, this debt was previous removed and now replaced back on my credit report causing me great financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: FL

Complaint narrative:
Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
To add to the other complaints after my son spent over a year trying to become the successor this letter was received from a XXXX XXXX of Bayview. This was done after almost 19 months of trying to get it done. Now since I am the husband and was the one looking to become the successor they put it in the wrong name. Just another comedy of errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have called several times asking Midland funding to remove the dispute, I have sent several letters asking them to remove the dispute and they refuse. It gets taken off for 24 hours then they put it right back on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 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: PA

Complaint narrative:
PROVIDING 609 DISPUTE LETTER TO CREDIT BUREAU AND THE FAILED TO PROVIDE ANY INFORMATION ON FILE FOR THE ITEM THE WAS WAS DISPUTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 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: MA

Complaint narrative:
I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: MA

Complaint narrative:
I suffered from identity theft after the Equifax credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stallings Financial Group, Inc.
State: TX

Complaint narrative:
I do not owe this company nor have I signed or agreed to anything with this Stallings Financial. Moreover, this was placed on my credit report and removed but they waited for a period of time and simply replace it back onto my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Today was the 3rd time I have attempted to contact Bank of America recently with no success. When I call, I get either static on their line ( unable to hear anything ), or prompted to enter my personal info which their website does not register, or if I'm lucky, I am able to wait through their automated system only to get a message that they have over a one hour wait. I would like to say this is something new - related to high call volumes addressing Covid-19 but this has happened whenever I contact Bank of America regarding my credit card over the last two years. I have even attempted to schedule an appointment using their website scheduler, but each time I have tried this I receive a message that the local branches are not scheduling appointments. Clearly, they have created a firewall to ignore customers. This is my complaint. 

The reason form my attempts to contact Bank of America are regarding my interest rate I am being charged. I have sought to discuss the rate and see if a lower rate is available because the interest charges are extremely high. I have an option to transfer to a credit card with a much lower rate, but wanted to give BofA a chance to lower their rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In late XXXX, XXXX, I refinanced my mortgage. The original mortgage holder, PHH Mortgage Services in XXXX. XXXX, NJ was holding {$2900.00} in escrow money that was due to be returned to me. 

I was in Florida from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The post office was holding my mail during that period. When I returned I picked up all the held mail on XXXX XXXX, XXXX and looked for the check from PHH which wasn't in my held mail. 

On XXXX XXXX I calledl PHH to say I didn't receive the check. I spoke to " XXXX '' who told me the check was mailed on XXXX XXXX, XXXX. Since I didn't receive it she told me she'd put a stop on it and mail a new check which should arrive in 7-10 days. 

A new check didn't arrive. I called PHH again on XXXX XXXX, XXXX. This time I spoke to Escalation Relationship Manager in the PHH ERM dept., XXXX, who informed me that the check had been cashed on XXXX XXXX, XXXX. 

Since I was in Florida between XXXX XXXX and XXXX XXXX and the post office was holding my mail there was no way I could have received or cashed the check. I asked for a copy of the front and back of the endorsed check which she sent me and is attached. 

It is endorsed with a stranger 's name and my husband and my names. This is not my signature and my husband is a resident of a memory care facility in Florida certainly did not sign this check either. Clearly the signatures are fraudulent. 

I did not cash this check. This check was stolen and fraudulently endorsed. 

XXXX at PHH asked me to make a police report which I did and is attached. She told me once she received the police report PHH would reissue a new check in the amount of {$2900.00}. 

On XX/XX/XXXX I emailed a copy of the police report to XXXX in the ERM dept. at PHH with a copy of the police report attached. On XX/XX/XXXX, I emailed PHH with a copy of the police report again. On XX/XX/XXXX, I faxed a copy of the police report to XXXX at XXXX. 

Although I received a brief email from PHH on XX/XX/XXXX saying that the Fraud dept. was looking into this, I still have not received the money owed me by PHH. 

I've called XXXX at PHH numerous times at XXXX, ext. XXXX. She doesn't answer the phone so I have left numerous messages with no return calls. I have also spoken numerous times to various other agents who have told me they left messages for her and her supervisor to call me but still no response. 

I don't know what else to do. PHH still owes me {$2900.00}. I feel it is their responsibility to figure out what happened and who stole and cashed this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is in regard to the relationship credit reporting companies have with the credit bureaus they report to. 

The 3 credit bureaus in America recommend that no more than 30 % of available credit be used to keep a viable, useful, high score. High scores are needed for everything today. Even employers are currently checking credit.

I have had a negative response with Synchrony Cards ( mysynchrony.com ) when my credit cards are not charged to their maximum. On one card owned by Synchrony, CareCredit Card, my available credit was reduced from {$7000.00} to {$4000.00} because I kept an average balance of {$3000.00}. My official credit score fell by 100 points. My other Synchrony card, an online account through XXXX, was reduced from {$700.00} to {$100.00} then closed because I did not regularly keep an interest paying balance on the card. My score fell again another 40 points. I have been an excellent customer on both cards - never late, paying in full.

I feel that their corporate policy is in direct conflict with how credit scores are calculated. This company has a negative policy against responsible customers. Synchrony should not be allowed to report to the credit bureaus as they prey on all Americans.

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