vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2019, several transactions on my Chase checking account was fraudulent so I filed a report with Chase. Instead of helping me, Chase closed all my accounts and refused to have a banking relationship with me from then on. Then Chase froze all my money for a month and eventually sent me a balance after I had filed a complaint with CFPB. Now a month later, Chase tries to collect {$190.00} in debt that I have no idea where it came from. Chase said the balance was a result of a fraudulent transaction that Chase decided that I was responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sound Collection Services
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX XXXX to provide proof that this debt is mine and that they have the right to collect and the did not respond to my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have sent a letter to this company to get debt validation for this account and they never responded and there has been no update to my credit report.

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 2019-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc
State: ID

Complaint narrative:
I received a letter from a third party debt collector about a debt that I have already went to court on and received judgement against me on in the amount of XXXX and it stated that this balance was accruing interest at the rate of 29.99 percent. I called this company on XX/XX/XXXX to let them know I have a legal judgement on this debt and it is only allowed to accrue interest at the rate Idaho allows, which is 5 percent plus the base rate Of XXXX. The company stated they do not have any information about the judgement and that it will remain at the 29.99 percent until I sent them the paperwork from the judgement. I sent that paperwork on XX/XX/XXXX and then called to get status on XX/XX/XXXX since previous emails asking about status we're going unanswered. I again told them that it was in the courts of Idaho and according to Idaho law any judgement can not accrue interest more than 5 percent plus base rate. The lady then told me the client told her to charge me the 29.99 rate anyways regardless of the judgement so that's what they will do, and if I don't pay they will sue me again on this same debt that I was already sued on, and if I get an attorney good luck and just let them know the name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called the account services phone number three times to close my account with Wells Fargo ( Wells Fargo does not allow you to close accounts online, you must call ). The first time I called ( XX/XX/2019 ), the representative told me the system was " down '' and she could not close my account. I was calling to close my account before I incurred the " monthly service fee '' because I had transferred all the funds out of the account. The representative stated that she noted on my account that I had called to close the account but could not due to the system being down, and that I would no incur the monthly service fee. I called back ( XX/XX/2019 ) and explained the previous situation to the representative and proceeded to close the account and refund the monthly service fee. I checked my account on XX/XX/2019 and noticed that it still wasn't closed and the monthly service fee wasn't refunded. I called the account services phone number for a third time and explained how I had called twice previously and the account is still open and the monthly service fee wasn't refunded. The representative was promptly able to close my account without issue this time, but did not refund the monthly service fee. I'm filing a complaint because this feels like a fraudulent practice by Wells Fargo to maintain my account in order to garnish a monthly service fee. This fee is nominal, however, if this is common practice and systematic of Wells Fargo, many consumers are being fraudulently charged.

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 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stone Creek Financial, Inc
State: OH

Complaint narrative:
I have a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I have a a unverified account from a XXXX XXXX XXXX XXXX, that came about from a Identity theft that I was unaware of from XX/XX/2004 from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX or STONE CREEK FINANCIAL INC, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that STONE CREEK FINANCIAL INC, XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I requested a copy of my credit reports and noticed that this company was reporting an inaccurate debt on my report. I sent a letter to this company on XX/XX/XXXX asking them to verify this debt owed as mine. I received a letter back, which they failed to verify anything, instead Portfolio Recovery sent me a list of charges or an itemized bill of what I alleged owed. As shown on the statements that I were sent for XX/XX/XXXX, this is NOT my name NOR is this my address. I clearly indicated my information on the first letter. 

I was confused as the originally creditor was XXXX XXXX. 
When did Portfolio Recovery become a bank or a lender? 

On XX/XX/XXXX, I sent a follow up letter, once again demanding validation of this alleged debt that I owe this company. I received a response, that stated that any further disputes would not be looked in to as they have already verified THEIR information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent 2 letters to this company to Validate this debt and they have not provided any real proof. All they have provided me was a statement with an account number with no name and no signed contract to prove this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sound Collection Services
State: TX

Complaint narrative:
I have sent a letter to this company to validate this debt and they did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have written and attempted to call to verify this debit. Instead it was just placed on my credit report with out any validation or attempt to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: OH

Complaint narrative:
AAFES Army Air Force exchange had credit with them they took full federal tax return and never returned the difference. They took it from my husbands return and this card was in my name. They never adjusted the account for the service members civil relief act.

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a business account with BMO harris because I was starting a new business and they offered {$500.00} for new customers. I had to keep a balance of {$5000.00} in my account, have it for 9 months and make 10 debt transactions. All these things I did. While I had the account my debt card continually didn't work, and I couldn't access my online account. Multiple times I had to go into the branch, met with terrible customer service. At the end of the 9 months I contacted BMO harris customer service to see when the {$500.00} would be deposited. I was told " soon ''. I had to call multiple times with no answers. I was told someone would contact me, or go to the branch to talk to them. Again terrible customer service. I went into the branch where I opened the account. The branch manager looked into the account and said she would call me back. After a week I didn't hear anything so I called her. She said she would call them and call me back. After another week I had to contact her again. She finally said they found I didn't make the right amount of transactions. I showed her I did make the 10 transactions that were required. She said she printed, highlighted the 10 transactions, and sent it back to the BMO harris customer service to review again showing I made the 10 transactions. I checked in for four weeks straight with no update. I had to call her every time, even though she said she would call me. Finally after a few months I called the the BMO Harris customer service line who informed me my account was  closed. I called the bank manager, furious. She informed me that two weeks ago the funds were suppose to be deposited but she forgot to call me. She then called me back after checking with customer service and said they were going to deposit the funds but closed my account due to being inactive. 
My account was only inactive because they took months to get the funds together. All the while not giving me any information or communicating. Not only is BMO Harris have customer service but they made a promise of {$500.00} for opening an account and did not follow through.

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Today my partner and I received a letter from our bank about a {$4200.00} hold against oursavings account and an additional fee of {$120.00}. This account was started in his name and all the assets in the account are from him. However I a non-spouse partner was added to the account this year. The debt is allegedly against me, yet there is no debt on my credit report that reflects this amount. Our first information on this is a levy against my partners separate property for a debt not by him, nor evidently by myself according to our credit reports. The letter from my bank only told us the office this came from was in LA, other than that we have been provided no information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank was the holder of my student loans. I requested service-members civil relief act and also Requested deferment and did not receive either.

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America credit cards through several different companies never applied service member civil relief act and interest rates were not calculated properly.

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 2019-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I recently had a loan modification with them and I was a bit iffy about it because I didn't know they would be cutting basically nearly over half my morgage.Wt the the current moment apparently i owe over about {$14000.00} to them out of no where. And i really dont know why and how it got that high.I try every month to make these payments and they now my current situation.i have XXXX kids a wife that cant find a job still at this very moment.And they still could even offer me a long term loan modification because of my situation.My income at work is what goes towards bills that i pay over average amounts of a average family XXXX people in told including me and i have to work hard to try to support them and now this morgage company is now telling me i have to pay a total of {$14000.00} and this is now stressing me out.So please try to find the best way to help me find a way to pay my propertie so i can support the family.At this current moment i mentally dont know what to do.I lean my help to you guys.i dont maybe a new loan modification or something to relief these house payment and i dont want to lose my house.My XXXX bless you guys because my hopes are on you guys.i havent been able to sleep since the news of me owing them over {$10000.00} after a short term loan modification.So please help a poor man out.i dont want to lose every thing at my current situation so please find a way to resolve this issue for me.

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 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo personal loan unknown fees excess interest and servicemembers civil relief act request never applied. Submitted the request for the servicemembers civil relief act by fax several times and always receive the runaround when calling and finding out about it status.

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 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however Transunion says this was verified? HOW?!? Delete these four items immediately.

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 2019-05-07 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to American Express as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19 Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX  was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however XXXX says this was verified? HOW?!? Delete these four items immediately.

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 2019-05-07 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
- XX/XX/XXXX Unauthorized credit card payment of {$2300.00} issued from my XXXX XXXX  XXXX account to Synchrony Bank Credit Card as below : Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$2300.00} Payee Routing Number : XXXX XXXX Bank Account Number : XXXX - XX/XX/XXXX Requested to stop another incoming unauthorized credit card payment from my XXXX XXXX XXXXXXXX account to Synchrony Bank Credit Card 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 2019-05-07 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: IA

Complaint narrative:
I checked my credit XX/XX/2019. Found multiple collection accounts listed from a hospital that I have been to. The dates listed were within the last four years that I have been covered by Iowa XXXX. So I went and asked for a statement that shows my history of visits and the billing that took place for the services. There are only 4 balances due. Equifax has 15 individual balances that not only do not match the balances. The dates, account numbers, and actual visits are not correct either. The hospital provided me statement for proof. XXXX and XXXX disputed it immediately. Equifax however is not providing me a way to dispute this. I have called a dozen times and I get no where for a long in. I asked if I could fax the documents, mail the documents, or what can I do to fix this. I keep being told they need to further verify my identity even though I have an account with them. This isnt right or fair. I just need to fix this. I work hard for the little bit I have been blessed with. I'm just trying to protect my future. Please and Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AR

Complaint narrative:
All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except XXXX have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. XXXX refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago.

How can I get XXXX to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.

Company response to consumer: Closed with explanation