vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX I received a response letter via email from XXXX XXXX Fraud Department. 
The letter states that they conducted a fraud investigation and that they were not able to approve the claim is because Customer benefited from use of card/participated in purchases. 

Synchrony did not provide any supporting documentation on their response. On XX/XX/XXXX I reached out to the fraud department via email asking who the investigator handling my claim was but I never received a name or a POC. 

Here are the facts that Synchrony is neglecting to acknowledge. 

I provided a copy of the FOIA from Customs and Border Protection showing that on the date that the Account was opened I was outside of the United States. 

On XX/XX/XXXX Synchrony provided me the IP address that was used to open the account XXXX That IP Address is from XXXX TX. 

On XX/XX/XXXX Synchrony bank obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$2100.00} On XX/XX/XXXX XXXX XXXX obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$950.00} I had no knowledge of these and both sales drafts bear my ex-husbands signature. 

-I never applied for an account from XXXX XXXX -I was outside the country when the account was opened by my ex-husband - I did not benefited from the account - I was never a patient of XXXX XXXX - I had no knowledge of the account or it existence until months after the account was opened - The account was awarded to my ex-husband on my divorce

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I opened an " Ultamate Rewards Mastercard '' in late XX/XX/2017 at a store and was told I would be mailed the information required for paying the bill. After two months, I had still not received any bills or the physical card and was receiving robo-calls demanding payment. I explained to a customer service representative that I did not have the information to pay the bill and they kindly allowed me to immediately pay the bill over the phone and forgave my late fee. They stated that they would send out another physical card and bill. 

By XXXX, I had still not received my card, so I went to the store and they said they could just look it up using my phone number and other information. I bought my products and they said they were sure another card was on the way. 

In XXXX, I had still not received a card! I was now receiving robo-calls again but I couldn't seem to catch a real representative on the phone to pay again. Since I was working 4 jobs and finishing my thesis, it took me a couple weeks to schedule a time that I could physically go into an XXXX store and ask them to give me my card information so I could use that to go online and pay a bill. 

When I finally acquired this information, I paid precisely off what I had spent but I asked that the company remove my late fee as I had not had access to pay the bill until I went beyond what should be deemed reasonable to do so, due to never receiving my card. They refused immediately and in frustration, I closed my account. 

I had double checked that my address was correct and I have never missed payments on any of my credit cards in my adult life. Now they are all accumulating with late fees. I have nearly {$70.00} in fees that are the result of their mistake. When I called again, they said they couldn't adjust anything because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Eastern Acct. Systems has sent me a letter ( unsigned and undated ) which they said " enclosed, showed their verification of my debt '', that they had in collections for XXXX XXXX XXXX. 
1 ) It shows an address for me at which I have never received mail. A good indication that their customer merely constructed a debt leveled against me and never notified me of same. 
2 ) It has multiple charges for the same item # s. 
3 ) It, in no way, shows any documentation signed by me or indicating I agreed to pay, nor that I had any knowledge of the charges. 
What I have been given as support to their claims only validates my rejection of them. Incorrect addressing, dating that shows three dates of service and only 30 days or less, prior to being turned over for collection. Where is the evidence that they ever sent a notice or invoice notifying me of the claim and opportunity to deny same? 
Nothing Eastern has sent in their XX/XX/XXXX post marked letter substantiates any part of their claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i wanted to make a transfer to another bank from my checking account. I was able to process the transaction on the online banking site. but did not receive confirmation of the transaction via email or text. I called the bank and I was told by multiple people to redo the wire. I re did the wire. I call the bank back. I was told that I needed to redo the wire because the limit for external wire transfers is {$1000.00}. I redid the transaction. I called the bank again and I was told that the info provided was incorrect wire limits are $ XXXX. I was also told that it can take up to 5 business days for the transaction to be executed, I asked to speak to the escalation department or a manager, she told me that the wire can take up to 3 business days. I called my bank they told me that the transaction should be immediately. multiple called to multiple people and nobody can provide accurate information. 
I was also told that the transaction was a wire, then an ACH then a wire transfer, again no accurate feedback or consistency on information. 
furthermore, after numerous calls I was advise to block the checking account to prevent from any withdraw funds from the account as I was instructed to execute the wire/ach 4 times. 
At this time I do not have access to my checking account and fear unblocking the account since im not sure the bank has a handle on how to manage this sort of transaction

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 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is blocking me from viewing my balance and transactions in third party apps and programs. I have a right to view this information in a manner that I deem helpful, such as within an app like XXXX or XXXX that helps me track budgets and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Shellpoint Partners, LLC
State: AR

Complaint narrative:
ON XX/XX/2017 SHELLPOINT PULLED MY CREDIT ON XXXX ( SEE  ATTACHED ) FOR SHORT SALE APPROVAL PROCESS. THEY INDICATED MY SCORE WAS XXXX ON XX/XX/2017. I AM DEMANDING FROM SHELLPOINT TO FURNISH A COMPLETE COPY OF THIS REPORT FROM XXXX, OR BE SUED.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: OH

Complaint narrative:
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This happens every time I re-order checks from Wells Fargo bank. Each time I end up using a customer service agent who does not listen and submits the order incorrectly. I was sent the duplicate check package ( rather than single checks with no carbon copy ). It takes 2-4 weeks for delivery. The checks arrive and the are wrong ... the checks are double/not single. I call about the issue and am told they will replace the checks ( least they could do ) but it would take an additional 2-4 weeks for them to arrive [ making the process more like 4-8 weeks from my perspective. 1 ) I requested since it was their error that they would expidite the shipping, they refused ; 2 ) I needed to inquire if there was a difference in pricing between the dup ; licate vs single checks and yes ... there was an {$8.00} difference. Had I not made this inquiry and insisted, Wells Fargo inrtended to keep the {$8.00} difference in the cost of the checks. Over the space in any given period, how may times does this happen, begging the question how many times does Wells Fargo overcharge customer for products as a result of their mistake. I should have been notified ( without prompting and their having to research ) if the unit price for the order was different and that difference automatically refunded, not needing to be specifically requested ; and 2 ) the order since it was incorrect should have received the expedited shipping as a courtesy ( if not compensation ) in recognition of the inconvenience. I am : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Bank was Wells Fargo and the Case # is XXXX. Major to me that over millions of customers these fees which are overcharged add up and that they seem to take no responsibility for their ewrrors. Simply reprocessing is the bare minimum of their due responsibility. Thank you.

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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have spoke to TransUnion about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to Transunion as well. The inquiries that need to be removed are the XXXX XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX inquiry from XXXX  on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX XXXX inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.

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 2018-07-12 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: NC

Complaint narrative:
I submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2018, I checked my US Bank savings account balance, and withdrew {$160.00}. The savings account was not credited until two days later, after I had already checked my balance and withdrew {$200.00}. US Bank credited my account for both transactions ; resulting in an overdraft and overdraft fees. On XX/XX/2018, I checked my balance, and immediately went the US Bank location that I frequent. I was told that it was the tellers error for both transaction, but I am to be held financially responsible and that I could not close my accounts until I took care of that responsibility. Only when I warned them that I would contact the CFPB, and that they violated the Dodd-Frank Act did they close all accounts I had with them. Prior to this incident, the same issue occurred with my checking account deposits being held and my withdrawals going through creating a negative balance, and while I was there another couple was there dealing with same issue.

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 2018-07-12 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. 
I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. 
Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. 
I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. 
I don't need to make any stories I am an honest individual which is why I am attaching all the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I had a credit card and was not able to pay for it due loss of work and explained that credit card company and they decided to send it to collection a screwed up my credit when I made numerous attempts to ask them to hold a bit longer due was not able to find work. It is not easy finding work in the state of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Solutions Inc
State: MD

Complaint narrative:
On XX/XX/2018 I was contacted by someone representing Debt Solutions , Inc. out of Georgia. He was attempting to collect on an old Debt from XXXX XXXX. We reached a settlement agreement, and I paid the agreed upon amount in full. 

Upon payment, I did receive a Paid in Full letter - and thought that was that. Two weeks later on XX/XX/XXXX, the company charged my credit card AGAIN in the same amount as the Paid in Full agreement. 

I was sent an email saying it was being refunded. I contact the company for three days with no answer. Finally, the owner called me on Monday XX/XX/XXXX saying if I didn't see the refund by Wednesday to call. I called on Wednesday and he said if I didn't see the refund by Friday they would issue a check. 

Further research shows this companies website is only 80 days old. I have disputed both transactions with my bank as I now believe this was a completely fraudulent debt collector.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief