vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I was referred for the American Express XXXX XXXX XXXX XXXX and was subsequently approved with an offer of XXXX membership rewards points after spending {$5000.00} in 3 months. I met that spending threshold and reached out and was told first that I was ineligible because I previously held this Card, I advised the agent that I had never had the card and that I never had any business card with American Express. Then they told me I was not eligible due to rewards misuse. They told me that when I apply it will tell me if Im not eligible, I did not receive the alert showing me I was not eligible and therefore submitted the application which resulted in both a new account and inquiry on my credit report. I then shifted my business Spend to this card, which American Express benefited from the processing fees/charges. After the Spend was met they advise I am not eligible for the bonus. I find this to be deceptive marketing and they should have to notify consumers prior to spending their money for the offers they are marketing for. I fully expect the promotion to be honored, as I would not have opened this account with American Express if I were ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have complained several times about the constant calls. They continue to call every day 5 to 10 times a day. The last excuse was to remind me of payment due. I am on XXXX and Federal payments are exempt according to Fair debt collection act. Yet they continue harassing me continue to add fees and interest. Now I have a bill that is tripled and getting letters from a law firm next. 
This place is supposed to help support consumers and I am yet to see any results. I wonder if I am writing to a machine because it's being ignored. XX/XX/2018 was bill of around {$2200.00} a week later it was an interest addition to bill of {$500.00}. Then it was late fees on top of penalties raising interested for late fees and this never stopped until debt has doubled. Now they can look good by taking less and still get full value of total debt. If the law allowed to take Federal funding which it does not. They violated several laws and continue to get away with this.

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 2018-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I have received a letter XX/XX/2018 from Debt Collection Company : XXXX XXXX XXXX XXXX. about a debt that is not mine, it is result of Identity Theft.

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 2018-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am an entrepreneur, inventor, and investor. I invested in several companies, invented two technologies, and I'm in partnership with different companies for my business. I'm a victim of identity theft, identity forgery on financial documents since XX/XX/2017 to the best of my knowledge. There are three banks, bankers, and their employees who are on call that are involved in those corrupt practices. Some bankers and call center responders are even responsible of obstruction of justice. For, I reported those practices to the Federal Trade Commission, the Federal Communication Commission, and the local police. The FTC issued me a report recommending me to go ask the concerned banks to release all information regarding my bank accounts, and all pending payments but they refused, they said those letters from the FTC don't mean anything. 
Now, I want the CFPB to take charge of the matter and see if need be, to escalate it to a federal court in order to sue those banks, other corrupt wall street managers, their bankers and backup calls responders.

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 2018-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: MO

Complaint narrative:
On XX/XX/2018, I paid in full a debt from XXXX XXXX XXXX XXXX XXXX over the phone with CMRE Financial Services, at XXXX. The amount was {$120.00}. I was told that it would be removed from my credit report but it is still showing up under collections. When I followed up with a call recently, they were very unkind and responded as if they could not follow through with removing this from my report. Please help! 

Their website is http : //www.cmrefsi.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX date : XX/XX/XXXX Amount : XXXX Claim # XXXX This debt resulted due to the fact that the the XXXX XXXX XXXX failed to submit a claim within timely filing period as prescribed by the law and the providers contract with XXXX XXXX. It should be noted that I received service at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and they submitted a claim for the service received on XX/XX/XXXX on time and failed to submit a claim for the XX/XX/XXXX service and charged me for it. When I bought it to their attention they said they will file a claim with my health insurance company and that I shouldn't worry about it it, due to the fact that they had failed to submit claim on time. Only for them to later send it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: One Technologies, LP
State: IL

Complaint narrative:
I signed up for a credit monitoring with XXXX  on XX/XX/18 at XXXX XXXX  CST. Tried to call at XXXX XXXX  CST to cancel the phone ringed then it stated I was next in line at XXXX XXXX CST the phone hung up and I called back to cancel the free trial and I was told by the automated system that they were closed. Reaching out to you because I do not want to be charged {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disouted these items multiple times on my credit report reported by department of education XXXX. There were 2 seperate loan amounts one for over XXXX and another for almost XXXX. They were removed from my report at one time but later popped back up in the middle of my school year and caused me to be dropped from my classes. I was told they would be taken care of but it has been almost 2 months and they are STILL on my report and still preventing me from going to school. I will no longer graduate in XXXX as i was supposed to and i am very upset.

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 2018-12-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I I haven't had a freeannualcreditreport in years I try to request an annual report online and it stated I wasn't giving the correct information so I called an XXXX number with XXXX I tried again it went through the steps to identify myself and they gave me a incorrect first name all together not even close so I gave me an option to give my correct name and I did but the annual credit report that I requested through the mail was never received instead I received a letter stating that they still could not identify me and I would need to contact you I need to know what steps to take next and what can be done and how this happened who and why and where and how it can be fixed please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
No monies are owed to XXXX. XXXX took their monies on the XXXX of every month due to the fact that I signed up for automatic withdrawal. Account has never been negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Credit Card which I am trying to downgrade. I have contacted the company online and also called them but they always say there is error in Amex system therefore they cant downgrade my card. I called again and even chatted online with Amex but I get the same response I am so tired of this. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I decided to close my checking account at PNC bank as i found their website and online banking very complicating and extremely confusing. Because i donot really understand their site settings i was afraid of using it. As of XX/XX/2018 my account balance was {$25.00}, so i paid the same {$25.00} to my credit card to zero out my account balance. I planned to close the account as soon as the payment is clear and my account has XXXX balance. But on XX/XX/XXXX i noticed my account has a negative balance because PNC bank charged me overdraft fee. So i both called and sent them a secured online message to inquire and explain to them that i just wanted to zero out my account balance of {$25.00} and then close my account. I didn't overdraw a penny as my account was clearly showing a balance of {$25.00} before i made the payment for the exact same amount. I asked them to remove the fee and close my account but they refused. After i asked to speak with the manager, the representative agreed to submit a complain and promised to call me back within 48 hours. But 5 days passed and nobody called me back. I sent them a online message again but they still gave me a run around and refusing close the account. Today i notice they charged overdraft fee again so the account 's negative balance is growing larger.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
I contacted the checkr company which is a background check provider to employers and it also being used by XXXX for detairmaining eligibility and it refreshes every years checks the eligibility based on the updated reports. XXXX been my main and only source of income for the past 3 years and on early XX/XX/2018, my XXXX account got deactivated due to number of violations which apparently was over a certain number that XXXX accepts and the source of information was checkr. I contacted checked to question it and find out the reason and I was told due to the number of violations I have on my driving record I am no longer eligible to drive for XXXX and was told I need to contact XXXX for any information. I obtained a copy of my driver 's record and noticed the number of violations on my driving record that was obtained from DMV website was different from checkr 's report. So I reached out to them and tried to file a dispute for the incorrect informations but they refused. I tried getting the supervisor on the phone and he confirmed that they are under FCRA and I asked him he requires by FCRA if the customer dispute an item on the report they have to investigate and if they can not verify they need to delete the items but he refused too and they didn't even let me file a dispute which is clearly against the FCRA regulations. Since early XXXX I lost my main and only source of income and lost all of my savings and been through a financial hardship to the point that I got a eviction notice and have no more money and no income and they all is because of the incorrect information that was provided by checkr to XXXX and also they refused to remove them or investigate a dispute. I reached out to them again and also provided them with a copy of another report from DMV website and asked them to investigate but again they refused and asked me for a original DMV documents and they do not accept copies of documents I have sent. I replied to them and notified them that they are the one who is require to have a original documents on file for each items they are reporting not me and also they have to investigate the issue that was disputed by me 3 months ago for the first time and recently again for the second time and notify me within 30 days of the resault and if they are verified they have to send a proof of verification which have not happened and they are clearly in violation of multiple FCRA terms. I sent them my final Goodwill and asked them to fix the issue and also settle the damages so I can recover from the huge losses they cause but did not receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a bank debit/credit card from Jp Morgan Chase. On XX/XX/XXXX there were 3 charges from a XXXX  in XXXX XXXX. Card was never out of site or possession. It took 10 days to get replacement. You used to be able to go to branch, show ID and get new card. On XX/XX/XXXX, I was up late posting on one of my websites when I see a XXXX charge from. XXXX in California pop across my screen. I immediately call the number on my card. While I am on the phone, I go on my computer and see a second non authorized charge in Delaware and a XXXX cent charge and credit? While I am talking to agent inXXXX I get text from bank re calif XXXX charge, I reply NO, and continue with agent on phone who advises me 2 other attempted charges were made. I have card in front of me. It has not been out of my sight. At this point, I ask if Chase is having Internal Fraud, as having this happen twice in less than 2 months is a bit odd. They know nothing. Well, it, s XXXX. They promised they would expedite card, so I could get gifts, which I did not receive. I also have aotomatic payments being declined for second month in a row. And holidays have pretty much been ruined. And no reply as to what is goong on at bank. Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Mortgage established more than three years ago with automatic payment from my checking account. For the last month or so, the autopayment selection on the Chase website has been reset to " no '' without my knowledge or consent. When I try to reset it to " yes, '' I continually get the same error message on the website ( using two different computers, two different internet providers and three or four different browsers ). It is not a problem with my computer.

Chase customer service manually reset the autopayment once -- after I spent an hour on the phone with them. However, several days later it was reset to " no '' again. I am unable to change it back because of the website malfunction described above. 

I have a " cashback '' benefit from Chase for paying my mortgage from my Chase checking account automatically. I believe the bank is deliberately resetting my autopayment selection against my will and deliberately preventing me from resetting it in order to disqualify me from the mortgage cashback benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: Certegy Holdings, LLC
State: MI

Complaint narrative:
Tuesday, XX/XX/2018 On attempting to pay for an item at Michigan 's XXXX XXXX XXXX in XXXX on XX/XX/2018, Monday, my check was declined. No explanation was given. 

What confounded me was the fact that I was able to complete a purchase with a check approximately one hour previously, at the Michigan 's XXXX XXXX XXXX in XXXX Michigan. 

I immediately contacted my financial institution and was told there was nothing wrong with my checking account ( as expected ). I have excellent credit and certainly had the funds to cover the check, so I went online to inquiry from the company that XXXX XXXX uses to certify check information : https : //www.askcertegy.com/CheckSearch.jsp After entering my complete information, it said it could not find the check!? Upon further investigation, I find that I'm not the only person whose check was rejected without warrant. 

https : //www.consumeraffairs.com/finance/certegy.html Here is the information that was provided on my receipt after purchasing the item with my credit card ( which was approved ) : " DEAR XXXXXXXX XXXX CUSTOMER : We are sorry that your check could not be authorized. This decision was based, in whole or in part, on infor mation provided by Certegy Check Services. Inc. Pursuant to the Fair Credit Reporting Act. you have a r ight to a f ree copy of your file ( i.e. Consumer Report ) from Certegy for a period of ( 60 ) days following the date you receive this notice and you also have the right to dispute the accuracy or completeness of any i n f o rma t i o n i n t h e fi l e. I n i t s r o l e as a consumer reporting agency.

Certegy did not make the decision not to authorize your check and is unable to provide you with the specific reasons why this action was taken.

However, in its role as an author ization service for our company.

Certegy can provide information to y o u. To r e c e i v e t h i s i n f o rma t i o n o r to obtain a copy of your file, please cal1 : Certegy Customer Care Line at : XXXX o r w r i t e XXXX XXXX XXXX XXXX. FL XXXX THANK YOU FOR SHOPPING AT XXXXXXXX XXXX! 

Please investigate this company " CERTEGY '' 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 explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: POPULAR BANK
State: NY

Complaint narrative:
I went to the bank and said I wanted to close the account. I withdraw all the funds. I Then got two statements charging me {$15.00} each time for maintenance because I was awarded interest, and now I have a negative balance for an account I closed. I would like my interest back as well as my return of maintanence fees.

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 2018-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We were charged for four separate charges totaling {$71.00} on our credit card operated by Bank of America ( BoA ) to a XXXX company named XXXX which we did not authorize. We had made one purchase from this company but did not authorize it to keep our credit card information. We did not authorize any further charges nor did we authorize any services or products from this company. Apparently XXXX kept our credit card numbers on their files. We understand this company is a XXXX company. 

We filed a written complaint with BoA on XX/XX/2018 disputing that we had authorized these {$71.00} charges and signed a written statement to BoA to this effect. On XX/XX/2018, BoA wrote us they were " unable to determine that a billing error occurred based on the information or documentation available to us ... .we consider your disputed resolved and the balance owed. '' We then called BoA and spoke with their representative who said we would have to provide written documentation that we had not authorized the charges for XXXX. We asked how we could disprove that we had not authorized these charges and he could not answer. He acknowledged that BoA had not contacted XXXX asking for my signed authorization for these charges or any information about what these charges entailed. 

We are in an impossible situation. We can not disprove that we did not authorize these charge and have no information as to what these charges involved as the product or service allegedly provided to us. This company evidently kept our credit card information illegally and then used it to bill us for four charges.

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