vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My husband and I are XXXX veterans on a fixed income. And, because we only get paid at the beginning of each month, that is when we sit down and pay our bills. By the end of the month, there's no more money until the next month. 

When we pay bills, especially if it is a credit card, we take the minimum due and round it up to the nearest 100 dollars like so : XX/XX/2019 ACH Transaction - Synchrony CHECK PYMT XXXX ACH Debit On XX/XX/2019 at XXXX XXXX, Synchrony ( XXXX ) called to collect on a debt. It was an automated call, so I hung up and called back to see who the call was coming from. So, I ignored the next four calls : XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX, then again XX/XX/XXXX at XXXX XXXX. 

After confirming payment went through the bank ( above ), I called them back at XXXX XXXX and after the automated system confirmed payment and that the next payment due was not until XX/XX/2019, I stayed on the line to speak with a human. I flustered the young man who took my call. So much so that he agreed no more phone calls, but I could not get anything else out of him, so I hung up on him. That call lasted 7 minutes and 36 seconds. They record all of their calls. I suggest you get a copy of the call. 

I informed the young man that if a company accepts payment - of which they are claiming was a partial payment of which I strongly disagree - whether it is the full amount or not, if the company accepts payment, they can not expect more money before the end of the billing period. The young man did not understand other than to agree to put a note on my account not to call again. 

But that is not the problem. My bill came in under {$200.00} and now they're wanting another {$380.00} BEFORE XX/XX/XXXX. However, the automated system is not asking for that amount until the due date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX has made attempts to collect this debt before and was resolved as not our debt. Now they are using Diversified Consultants to re-open this closed matter. Diversified Consultants has never contacted us in any way concerning this matter. While checking my credit report I saw this derogatory collection. I have brought to their attention over 60 days ago without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 I was on the XXXX airline website to purchase airline tickets. I was offered to double the points, plus other benefits if I would open a XXXX XXXX Mastercard issued by BofA. Two days later on or about XX/XX/XXXX I called BofA and inquire about this offer and when I would see the airline mileage points. I was told by the BofA agent that I wouldn't receive any points for this purchase because the card hasn't been issued. I then asked the agent to cancel my application. Please note at this time of the call BofA had NOT issued me a CC number or mastercard. 

I received a bill from BofA in XX/XX/XXXX and I once again called to correct error and the agent said the card was canceled and I had No fees. 

I received another bill from BofA and I was told because BofA had issued the card I would be forced to pay the XXXX card activation fee. Please note the card was never activated and I attempted to cancel this card two days after the application. 

The advertisement concerning the double points and assign seating was deceptive and BofA had several opportunities to cancel the application. But then why should BofA cancel the application and lose {$89.00}

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 2019-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is regarding a business checking account and a merchant services account, The merchant services account was never terminated by the bank in XX/XX/XXXX. 

Citizens bank/ XXXX XXXX  has been debiting fees from my business account for seven years on a merchant services account ( XXXX XXXX ) that was supposed to be terminated in XX/XX/XXXX when we signed up with a new and lower cost merchant services option that was offered by Citizens bank named ( XXXX XXXX XXXX ). 
The local branch was to handle the termination of the old M.S.A when the new one was up and running. Apparently they did not perform this task. 

It was later discovered that during this time XXXX was either acquired or merged with the new titled organization named " XXXX XXXX ". It was the these " XXXX XXXX " debit line items that were not recognized on our business banking statements as charges from " XXXX link  '' and in fact was thought to be some type of third party charge for the new vendor " XXXX XXXX XXXX ". These fees started out very small and then increased and ranged to over $ XXXX/month for a total of {$5100.00} ( Seven years of admin fees on this unused account that was supposed to be terminated in XX/XX/XXXX ). 

When the problem was discovered : in XX/XX/XXXX I made a call to the new vendor " XXXX XXXX   XXXX. I wanted an explanation on what this fee was for and why was it so much? - it was at this time when it was discovered that this fee had nothing to do with the new vendor " XXXX XXXX XXXX. ". The XXXX customer support rep then informed me that the XXXX XXXX fees were from another Merchant services vendor - The old XXXX Link. 

I contacted my local Citizens bank in whom I have been with for over twenty years and they forwarded this matter to " The Chairman of the boards office ". This upper arm of Citizens were only willing to give a refund of the last month of fees and then months later threatened to shut my account down due to an " administrative error ". 
I am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition. Additionally we never received any XXXX XXXX statements, emails, yearly compliance forms or XXXX tax forms There was nothing ever sent to us that would have alerted that there was a problem and that the old XXXX  Link was now being called XXXX XXXX   and that they never terminated the account in XX/XX/XXXX as they promised. 

The other important issue that really concerns me is the greatly varied and sometimes high monthly fees on this unused merchant services account where no transactions have occurred in seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In XX/XX/2018 I was never 30 days late. I believe you have some problem with your payment app. And when statement is generated. I am personally confused when looking at the breakdown. XXXX was paid on XX/XX/2018 as what their app requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: Colony Brands, Inc.
State: MD

Complaint narrative:
I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX,  instead of removing the account completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: FL

Complaint narrative:
Equifax. Submitted dispute on suspected fraudulent hard pull. Was notifed by e-mail it was resolved. Followed instructions 3x to pull info on resolution. Gave accurate info and their Q & A section had no relationship to my account. Locked out of resolution due to their incorrect Q & A. XXXX for support, no response, no phone number provided for follow up on lock out, no e mail address provide by Equifax to contact. the companies customer support and systems are very 20th century, restrictive and dead ended..making follow up impossible. Seems deliberate way to frustrate consumers trying to address credit issues Equifa prevents customer from cutting and pasting info so one can not provide you with copy of there displayed pages, also deliberate to make reporting them more difficult.. When using XXXX for same types of issues, very up to date, easy and user friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 
They are telling me I owe them {$6500.00} for a XXXX  credit card that had a limit of {$1500.00} ( back in XX/XX/1993 ). They have already stolen a total of {$2000.00} from my bank account on numerous occasions, and they have filed court orders to take my paycheck. I did NOT enter into any agreement with this company, yet the court allows them to levy my bank account and garnish my wages??? I need this harassment to stop. Please help. Pressler & Pressler have been using unethical tactics against me for years. They have just filed a motion to garnish my wages. I do not make a lot of money. Please help to stop this company from stealing my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. 

The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. 

The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.

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 2019-01-27 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: NY

Complaint narrative:
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.

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 2019-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: WI

Complaint narrative:
dynamic recovery solution 's calls me every couple of months asking for XXXX XXXX XXXX XXXX. last 2 calls XX/XX/2019 at XXXX XXXX  and XX/XX/2019 at XXXX XXXX. this is after asking them to stop calling me, I have no debt, why are they calling me? I contacted dynamic recovery solutions, they said they would remove my name. right away I get another call. and they continue to harass me, why is this company getting away with harassing people? 
and why are they calling people with no debt and harassing them? 
they call with no caller id and no phone number, they leave a message saying that by listing to this message I'm confirming that I am XXXX XXXX XXXX XXXX. 
I have recorded phone calls & messages saved from dynamic recovery solutions that documents there harassing calls and texts. something really needs to be done here. 
thank you XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: NY

Complaint narrative:
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.

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 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX   them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I would like to submit a complaint about a misleading promotion of rewards thru XXXX/Chase rapid rewards plus credit card. The promotion I signed up for thru XXXX XXXX ( applied on XX/XX/XXXX ) consisted of a sign in bonus of XXXX rapid rewards points, plus {$200.00} of credit statement after spending {$1000.00} in the first three months period. After fulfilling my part of the contract I checked my rewards and I only had XXXX points, so I decided to contact XXXX   on XX/XX/XXXX and ask about my missing rewards, XXXX channeled me to Chase ( XX/XX/XXXX ), which I initially contacted over the phone ( on XX/XX/XXXX ), I informed the agent ( XXXX ) about my concern and I was told that the promotion I signed up for did not exist and that I was enrolled under a signed up to a sign in bonus promotion of XXXX points, plus {$200.00} credit statement, which I had no knowledge off, and it was not even an option online when I signed up ( XX/XX/XXXX ). I sent physical proof ( thru email, XX/XX/XXXX ) ) from the XXXX rewards promotion that XXXX/Chase credit card had available, back when i signed up. But they are still denying their responsibility to redeem their part of the offer. Plus, they signed me up to a promotion that I was not even aware of, and I don't even know the details. They have high interest and annual fee, the XXXX reward point promotion ad enticed me, that was the reason I applied for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: NE

Complaint narrative:
I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Info Svcs LLC XXXX. XXXX XXXX XXXX, GA XXXX The following is the result of ID THEFT and was once blocked and removed. These items need to be removed and blocked AGAIN due to them begin fraud!!!! I did not open these accounts and have sent in supporting documents several times!!!!. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX   XXXX 3. XXXX Reported : XX/XX/XXXX 4. XXXX XXXX XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX 6. XXXX XXXX XXXX Reported : XX/XX/XXXX 7. XXXX XXXX XXXX Reported : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX THANK YOU FOR YOUR COOPERATION IN THIS MATTER ///SINCERLERY//// XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX  credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.

Company response to consumer: Closed with non-monetary relief