vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 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: KS

Complaint narrative:
On or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Others frauded my documents 50 states wide and for retailers store 's post data terminals Others frauded scams documents for sinage and building permits business Others frauded my documents as herds of inventory SKU number Others frauded my documents as church groups and pasters and preacher Others frauded my documents as schools and colleges and universities and teaching staff 50 states grocery store products using XXXX XXXX products 50 states dinner menus using XXXX XXXX 50 states semi trucks CDL license and semi truck business permits Frauding scams XXXX and XXXX XXXX and others dictionary companies Fraud scams using singers and bands and actors Frauding scams using attorney and lawyers and judges listings Fraud scams using XXXX XXXX Frauding scams using XXXX XXXX XXXX   permits and vice president Fraud scams using 179 locations of XXXX XXXX reaction and XXXX XXXX Fraud scams using XXXX XXXX   Frauding scams using XXXX XXXX XXXX Frauding scams using XXXX as politican listings Frauding scams using XXXX XXXX in Florida Fraud scams using XXXX XXXX Fraud scams using XXXX as insurance company workers Fraud scams using XXXX XXXX XXXX in Georgia State Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using brand advertising for retailers store 's advertising frauding my documents my family 's serial numbered XXXX XXXX record Fraud scams using XXXX police Fraud scams using XXXX XXXX Fraud scams using building permits using XXXX Fraud scams using racing Frauding scams using my documents Frauding scams using XXXX XXXX   Fraud scams using XXXX XXXX XXXX  Fraud scams using XXXX XXXX in Florida Fraud scams using XXXX products

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 2018-02-07 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

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 2018-02-07 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: FL

Complaint narrative:
I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Cant get online access in my investment account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been deniged credit cards throw XXXX card company and XXXX card company and XXXX   card company and XXXX XXXX company for XXXX years now ( only pre-paid could I get ) You have a XXXX states fraud scams using my documents and a XXXX  states business permits scams listed frauding my documents XXXX  states products frauding my documents as food and clothing and shelter like homes and RVs and then as topical maps for sinage Fashion show fashion industry frauding my documents Government business permits scams frauding my documents Frauding scams using singers and bands and actors frauding my documents Frauding scams using my documents as attorneys and lawyers and judges and law partners Frauding scams using my documents as politican listings Frauding scams using my documents as banking business permits scams Frauding my documents as herds of XXXX listings Frauding my documents as sports players and sports permits Frauding my documents as dictionary companies term 's and dictionary products Frauding my documents as auto stores Frauding my documents as a boat XXXX Frauding my documents as XXXX states diner menus Frauding my documents as XXXX  states grocery store products Frauding my documents as advertising Frauding my documents as accountant and CPAs Frauding my documents and books and book authors Fraud scams using XXXX pages Frauding my documents as auto repair.. frauding my documents as RV products using XXXX. frauding my documents as theater groups Frauding my documents as XXXX trucks Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as corporation Frauding my documents as XXXX XXXX Frauding my documents as international business permits scams Frauding my documents as XXXX XXXX scams and XXXX business permits Frauding my documents as XXXX XXXX scams and business permits Frauding my documents as reality agents and offices Frauding my documents as banking business Frauding my documents as furniture store and bedding products

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
This account should be included and discharged in my chapter XXXX bankruptcy of XX/XX/2015. I've disputed this account with the CRAs but this issue continues to cause me great pain and suffering as it continuously appears on my credit reports making it impossible for me to move forward towards my new years to come. I haven't even received validation of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This is an unverified debt and I've already filed chapter XXXX bankruptcy prior to the date of the debt ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rickart Collection Systems, Inc.
State: DE

Complaint narrative:
Rickart Collection System placed this debt of {$5100.00} on my credit report on XX/XX/2016. I have never opened an account with this company, nor XXXX XXXX. I have been applying for apartments for me and my soon to be born first child and by this appearing on my credit report I have been constantly denied. Someone must have used my name and created an account of their own because I have never had an account with this company, because this is the first time I have been on my own seeking for a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX  cards were taken out in my name 2 of them. I reported this to XXXX  and XXXX XXXX the credit card company. Synchrony found it was fraud on both cards in XX/XX/XXXX I believe it was settled. Synchrony told me that the bills XXXX  kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings

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 2018-02-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.

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 2018-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.

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