vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
HELLO AS THEY ARE TALKING ABOUT A DISPUTE WITH SUNTRUST BANK ON UNAUTHORIZED CHARGES, I SUBMIT A DISPUTE WITH SUNTRUST BANK ON SOME CHARGES IN MY BANK ACCOUNT FOR THE LOSS OF MY DEBIT CARD ON XX/XX/19 I WILL SEND ME SOME DOCUMENTS WHAT WILL FILL IN PERSON TO THE BRANCH AND FILL OUT SUCH DOCUMENTS BUT THE DAY OF XX/XX/19 I RECEIVED A CALL FROM THE AGENT WHO CARRIED OUT THE CASE TO ASK ME QUESTIONS I ANSWERED ALL YOUR QUESTIONS WITH SUCH DISPUTE I ANSWERED EVERYTHING ACCORDING TO WHAT WHAT HAPPENED TO ME AND WHAT I SAID THE DAY THAT I CALLED YOU TO REPORT MY LOST CARD THAT WAS THE DAY THAT I REALIZED THAT THE CARD WAS NOT WITH ME BUT I DID NOT REALIZE WHEN I LOST IT OR STOLE MY PROPERTY PLEASE RE-OPE THE CASE AND REIMBURSE ME ALL UNAUTHORIZED CHARGES 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 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently had a very unpleasant experience with Chase bank when opening a checking account. 

I received a letter from Chase inviting me to open a Sapphire checking account with them, it offers XXXX rewards points if I open the account and transfer {$75000.00} within 45 calendar days. 

So I opened the account online on XX/XX/XXXX and started transferring money from other bank accounts to this account on XX/XX/XXXX. 

Couple of days later when I checked the status, I was surprised to find that my account was locked. What's more, my online access was suspended, which involved all my Chase credit cards as well ( I could still use the cards, but lost online access ). I haven't received any communication whatsoever from Chase, so I called the bank to find out why. They didn't offer any specifics but asked me to get into a branch. There's no branch in my vicinity, so I asked my husband to visit a branch that's close to his office. 

My husband visited a branch on Friday XX/XX/XXXX. Again the branch personnel offered no specifics but asked me to show up in person at the branch. 

Later the same day I received a letter from Chase, asking me to visit local branch and mentioned the account may be closed if I do not. 

I'd like to keep the account open, so Monday XX/XX/XXXX, the next business day after I received the letter, I took time off work and visited Chase branch in XXXX. Upon arrival I was told that my account was already closed and they couldn't do anything about it. 

I was told that this happened because I didn't initiate money transfer within 10 days of account opening, however the offer letter stated clearly that the transfer period was 45 days. 

So in the end I wasted a lot of time just to get a closed account. The lack of communication and service from Chase bank is rather astonishing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX ... Procollect Inc placed a debt from XXXX XXXX XXXX for {$6700.00}. 
XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. 

I have called them repeatedly and requested proof of this debt because I left the apartments in XXXX, the property manger refused to complete a walk through to verify the 2-bedroom apartment was left in great condition. Now in XXXX, the rudest collection agency is harrassing me over a debt I never knew I had. I visited a non profit credit counseling agency to get help with this company and refused to talk to the authorized 3rd party advocate. They are bullying me for this debt that they refuse to verify. 

Why do I owe {$6700.00}? Why is this on my credit report and why wont they send me proof? This collection agency does not have a license to do business in the state of TN and Im reaching out because I can't seem to get anywhere with them.

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 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Sheffield Financial account is still charging me interest on an account that was closed on XX/XX/2015 with a voluntary surrender. The balance is still showing of XXXX. Every month they charge and increase the balance of that closed account and its affecting my credit score. I was forced to do a voluntary surrender because i was diagnosed of XXXX XXXX in XX/XX/2015. I am still on treatment. Please fix this problem and add it to my report the reasons of closing this account or loan. 
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 2019-05-24 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: WA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: RI

Complaint narrative:
On XX/XX/19, I heard about a new credit card through a co-worker of mine. He referred to the card as the " Hilton Diamond '' card, a credit card that would instantly earn me Diamond status with XXXX XXXX XXXX. I was currently staying at a XXXX XXXX XXXX, so this sounded like a great idea. 
On XX/XX/19 at XXXX XXXX ( HST ), I called American Express about this card and spoke to XXXX ( XXXX? ) about opening this card. I already had the " Hilton Gold '' credit card, so I inquired about any bonus offers for upgrading to the " Hilton Diamond '' card. She informed me that I would receive 150,000 bonus points if I spent {$4000.00} in the first 3 months of having the card. I also asked a few other questions related to the logistics of upgrading the card ( credit check, activation, card fees, etc. ).

After I upgraded, I made sure to spend the {$4000.00} that would be required to get the bonus, but after several weeks, I had not seen an increase in my Hilton points balance. 
I then made a phone call to American Express asking when I would be receiving the bonus that I was promised, and the representative informed me that there was no offer loaded onto my account and that the issue would have to be escalated for resolution. 
After several days, I called back to check on the status of that escalation and was informed that they listened to the call made back on XX/XX/19, and that it was determined that no such offer was made. I asked the representative what other steps I could take since I was 100 % confident that my original statement was valid, but they told me that there was nothing they could do besides another case escalation. 
Once again, after several days, I called American Express and was informed that my case had been reviewed again and that no such offer was made. They also said that there was nothing else I could do. 
I am very confident that the original representative offered me 150,000 bonus points. I made sure to spend over {$4000.00} on my credit card in the 3 months following my phone call, but I have yet to receive the promised points. Please see the attached notes that I took during the phone call on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: IL

Complaint narrative:
I disputed contents of a file created by Checkr Inc. They did no first hand research although obliged to do so by law. Relying on a third party to do research makes their conclusion erroneous. The record still stands, no thorough first hand account of the information has been taken, nor is possible and they are responsible for the damages they are causing because of their disregard of the statutory obligations I am due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Perfection Collection
State: FL

Complaint narrative:
I disputed an account I was unfamiliar with on my credit report. Today at XXXX I received a phone call. The agent failed to identify himself fully on the call, did not state what the call was about, did not provide the call recording or Mini Miranda statements, did not tell me the balance or original debt owner. I stated to him several time I didnt know what it was about. He didnt care and continue to collect. I attempted several time to understand what he was calling about exactly and he refused. He stated if it was fraud I would have to handle myself and hung up. 

This is a highly abusive tactic where I had no ability to resolve the situation. I find this call harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has ignored my best interests and created obstacles to repayment by providing bad information. Came to an agreement on the interest rate, and then was called back a week later, and told that the manager backtracked on the rate, and said they could only offer a higher rate which I could not afford. Neither payment was reasonable, and Navient did not take my expenses for me or my child into consideration. They have failed to act when I have complained. I was told that I could no longer use forbearance, and they refuse to help me. It was not communicated to me until now that I only could use 12 total forbearance 's over the life of the loan. I was steered towards taking multiple forbearance 's instead of Income Driven Repayment Plans. When I was offered IDR plans they were not in line with my earnings. I feel cheated out of my right to lower payments, and feel that they are making me overpay for my loans knowing that I am struggling financially to make their high payments. They have harmed my credit in the past, and I feel as though my loans have accumulated an unreasonable amount of interest. This company has deceived me, and led me to believe that they would work with me when they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to 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 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Premier Holdings
State: SC

Complaint narrative:
On XX/XX/2019 my husband recieved a phone call from XXXX XXXX court house in XXXX sc saying that he had a case against him from a debit collector that he didnt pay and that if he didnt pay it he was going to jail. So he called the number back and it was the XXXX XXXX house but know one knew what he was talking about. So then today a lady calls him from a debit collection agency for the first time and told him that he needed to pay XXXX for a tablet that he leased from XXXX 6 years ago and if he didnt he was going to jail. And he tried to talk to the lady and tell her that he didnt have any money now but he would Monday. And she says he can give her the info for a post dated check for Monday XX/XX/2019 and she want put it through until then and he said no I'll call you Monday and give it to you when I know the funds are in my account. She told him no nevermind I'm going to go ahead and process this and your going to go to jail. I told him I was pretty sure it is a scam. Debit collectors dont do that. So I call the number and I asked for their information and license number and the woman would not give it to me. So I call the accually company that he owes money to, and left a message for them to call me. I'm waiting on that phone call back so I can figure out if this is legit or a scam. The company answered the phone saying the name of the company was premier holding company. There phone number is XXXX. Which per XXXX it's a Texas number, but other than that I cant hind out any info on this so called company. Can you help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am registering a new case because my previous case was closed and I still have some follow-up action items for the business against whom I had filed a complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Complaint # XXXX STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I would like to add the following comments to the case : As per the response from the Chase Bank, they store customer call recordings for 30 days after the telephonic conversation. If I made a stop payment over the phone on XX/XX/XXXX and they processed the stop payment on XX/XX/XXXX, they should have the telephonic recordings with them until XX/XX/XXXX. 

I filed a complaint at the XXXX Chase Branch location on XX/XX/XXXX ( response and claim number attached below ), and on that date the branch confirmed it was an error on their part. 

Given that I had already started to register a complaint when they had the audio recording, they should have saved the audio recording but unfortunately, they let time pass by and now they dont have the recording anymore. 

I did mention my Full Name, Debit Card Number, Birth Date for verification on the phone, also verified the amount and who the Check # XXXX was addressed to. I did also mention which account the check should be issued from. 

This is a clear mistake on Chase Bank 's part but they refuse to acknowledge. I am disappointed in the way they operate and do business. 

Below is a Notice from Chase Bank that I received for a complaint filed on XX/XX/2019 from a Chase Bank branch location ( XXXX, WA ) before I filed another one from XXXX on XX/XX/XXXX. Their response clearly states it was a mistake on their part. Yet, I have not received my money back. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of Inquiry : XX/XX/2019 Claim Number : XXXX Card ending in : Account ending in : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX XXXX, Thank you for contacting us about the transaction ( s ) on your account. We researched the transaction ( s ) you reported and agree they were incorrect. We approved your claim and it is now closed. The temporary credit ( s ) we placed on your account is now permanent and includes any applicable fees and interest. 

If you have questions, please call us at XXXX XXXX. We're available anytime. Sincerely, Customer Claims Department Enclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CA

Complaint narrative:
This is a very simple complaint. I disputed an account with the three major credit bureaus that was incorrect. XXXX XXXX XXXX  XXXX. I did so on XX/XX/19. It was incorrectly reporting me as 30 days late. XXXX and XXXX XXXX corrected the information almost immediately. Equifax did not. They claimed the 30 day late payment was verified. 

I then re-submitted another dispute on XX/XX/19 to Equifax for the same reason. That dispute came back as the account being verified as well. Because Equifax is refusing to correct the late payment, my credit is being jeopardized and preventing me from obtaining credit since the late payment is within the last 6 months. 

I need Equifax to correct the late payment on XXXX XXXX XXXX XXXX. The other 2 bureaus corrected it as it was unverifiable or incorrect so why is Equifax claiming it is legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/19, I went into my local bank and cashed a XXXX XXXX dollar check. I received the funds from the teller and left, unfortunately, a few days later my account was negative by XXXX XXXX dollars this happened due to the teller incorrectly entering the check number when verifying it. I returned to deposit XXXX to clear the negative and then proceeded to deposit XXXX more to pay bills. fast forward to the XXXX of XXXX and wells fargo took another XXXX XXXX from my business checking account even though I had already paid the amount of the returned check. in effect, I am being charged twice for something I cleared a few days after I was notified of the returned check. i have been going back between calls to wells fargo and going into my local branch trying to get this resolve neither does anything since XX/XX/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 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I became POA on my mothers acct. that she was the sole owner of.My neice transfered XXXX from the acct.The bank knew my mother was in a XXXX XXXX and she could not have made the transfers.As I look back now ther has been over 7000.00 transfered online from a sole acct to their joint acct.I have medical records and a police report that I have faxed to Wells Fargos fraud team.Some days there were 3 online transfers.And Almost everyday she was transferring money from the sole owned acct.from my mother.She used my moms info SS # to set up an online acct.My mother was XXXX or so.The acts only go back 5 months.Shame on Wells Fargo.XXXX would have froze my acct.or at least called 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 2019-05-24 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XX/XX/XXXX.  And until today I am yet to receive any validation response that I had requested. As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : ACC XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

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