vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Date : XXXX XXXX XXXX XXXX owed : XXXX XXXX bank atemping to collect a debt delinquent

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 2017-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX XXXX XXXX, JP Morgan Chase, and XXXX XXXX. 
In XXXX of XXXX, we agreed to a debt reconsolidation for a credit card from Chase Bank. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX XXXX XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a XXXX XXXX. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XXXX XXXX XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX, XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a XXXXtop Payment on all checks from XXXX XXXXXXXX XXXX. 
We consider XXXX XXXX XXXX XXXX to be primarily responsible for this issue. We are naming JP Morgan Chase because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I charge large amounts, but pay off my balance in full every month. For the payment that was due XX/XX/XXXX, I made several payments using XXXX XX/XX/XXXXbill pay function, as I do every month ( as I have several accounts that I pay my American Express bill from ). The last payment of {$3000.00} was made on XX/XX/XXXX to be delivered to XXXX onXX/XX/XXXX. On XXXX XXXX, I was notified from XXXX that the payment they sent came back as undeliverable. I immediately went on to the XXXX site, paid the {$3000.00} in full and then started a customer chat with XXXX. They told me they could do nothing about the situation until the next bill was issued. I tried the chat again on XXXX XXXX and was connected to XXXX, who was of no help and told me he could do nothing to assist me before even understanding my situation. I asked for a supervisor and was connected to XXXX. She seemed to understand the situation and asked me to upload my documents to prove my story. I did so via the link provided. I heard nothing back, so tried the chat again on XXXX. I went through all of these details and asked them to review my upload. They told me the case was closed and I would be charged over {$100.00} in interest. I then got on the phone and proceeded to fight with the customer service representative XXXX for over an hour. I repeated my story and asked to speak to a supervisor no fewer than 5 times. After placing me on hold repeatedly and refusing to get a supervisor, she told me the case was closed and that they could not help me. Only after 30 minutes into the conversation did she finally investigate my document upload and tell me they never received it. I asked to upload it again and demanded a supervisor. This took another 15-20 minutes, and she told me all supervisors were busy. I uploaded the documents again and received a case number of XXXX. I told her that I would hold all night and wait for a supervisor. She then finally said that she would " endorse '' a supervisor call but they would have to call me. I have heard nothing. I ca n't get an email address or phone number to reach anyone other than the basic customer representative, so I reached out via XX/XX/XXXX. I explained my situation AGAIN and they sent a canned message to contact them via chat. Any time I asked for a supervisor phone number or emai, they just kept sending this same message. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Someone from a company named XXXX XXXX, keeps calling a relative of mine. The last call was on XXXX, at XXXX, from phone number XXXX showing from Arizona XXXX The person said that me and my spouse had done business with them. My relative has ask them to stop calling, but they keep calling. I called the number, and spoke to someone named XXXX XXXX, who had a middle eastern accent. I told him that in would be filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28 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: Cornerstone Holdings, Inc.
State: CA

Complaint narrative:
I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: VA

Complaint narrative:
There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully

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 2017-10-28 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: ID

Complaint narrative:
XXXX XXXX, MD XXXX ( XXXX ) XXXX this people made a hard inquiry on my credit and I do n't know them 0n XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX did the same and I do n't know them either.I just knew this through XXXX 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 2017-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
For the last week they have called me five times a day every other day. 
Starting on XXXX16 and continuing up to today. 

I dont answer because its been getting overwhelming with the amount of calls and they never leave a message.

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 2017-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I opened my account this past spring. I put the mailing address of where I was temporarily staying at the time because that 's where I get my mail. 

A couple weeks go by and M & T places a freeze on my account when I first try to withdraw funds. I was leaving for California the next day and did n't have time to deal with it. 

I called and called and they would n't unfreeze my account unless I could prove that I lived at mailing address??? I sent them my SSN card, Driver 's license, and proof that I lived at the address on my license, but they would n't even let me so much as speak to the security team to explain my situation. 

Now I am stuck in California permanently, and without access to my funds. 

I ca n't : 1. Withdraw my money 2. Unfreeze my account because I do n't have proof of something that does n't exist 3. Close my account without the balance being {$0.00} 4. Correct my address 5. see a branch because I am in california .

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 2017-10-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. 
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: AL

Complaint narrative:
NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have send several letters and filed several complaints regarding a few inquiries that are being reported on my credit report. Equifax has failed to validate this information and have ignored my request to validate this information by not responding to my letter other than for me to contact the creditor in which I did that as well and Equifax has failed to comply. I did not authorize the following credit inquiries that are made by the following companies : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX & XXXX XXXX. AT & XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief