vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I opened a dispute for a monthly transaction on my paypal extras mastercard that I didn't initially notice. PayPal Extras MasterCard is the product, XXXX XXXX is the servicer. 

I opened the dispute and ordered a new card. I was sent a new card but that card was blocked my PayPal shortly thereafter. So while I waited for this dispute to be resolved, I did not have access to my account, my statements, and received no bills. They made it EXTREMELY difficult to simply pay my bill. 

I have now been notified that the dispute has been resolved and the credit issued to my account, however, I STILL CAN NOT ACCESS MY ACCOUNT! This can not be legal. I also had late charges incurred due to these fraudulent charges and want to make sure those are no longer on my account.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
This company.J J Marshall & Associates did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
The debt collector for Rise has contacted my ex husband on several occasions inquiring my whereabouts and how they were going too send someone out to my residence too pock me up. I have not stayed with my ex husband for over 12 years and they tell him all the details concerning the loan such as the company it was borrowed from and the amount that was borrowed. He has told him on numerous occasions to stop calling him concerning me. His name is nowhere on the account and I dont appreciate them contacting him about my finances. The name of the collection is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a XXXX XXXX credit card through XXXX XXXX. My annual fee of {$95.00} posted to my XX/XX/2018 statement on XX/XX/18. I immediately requested to close the card and get an annual fee refund. I did not owe any balance, other than the {$95.00}, at the time. I was assured the account would be closed, I didn't have to pay anything more, and that the annual fee would be waived within two billing cycles. The XX/XX/2018 and now the XX/XX/2018 statements have cut and I still have not gotten the annual fee waived. Also, I was recently charged a {$25.00} late fee for not paying, at their direction, the minimum due on the XXXX statement. They also charged me {$2.00} in the minimum interest per the credit card agreement, even though I was told not to continue paying since the annual fee would be refunded. This did not happen for the XX/XX/2018 statement because I had automatic payments on, which paid the {$25.00} minimum. The {$2.00} interest charge and {$25.00} late fee were waived on XX/XX/18 at my request. However, the XX/XX/2018 statement just cut and now there is another {$2.00} interest charge posted. Also, my account, when logging in online, says I am delinquent and that I need to pay the minimum payment due, even though I was told by numerous customer service reps since XXXX in various chat sessions, that I did not need to pay anything. This has been " escalated '' two or three times since XXXX and there has never been a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services debt collection company are trying to obtain double payment from me on the same account by listing them under two separate account numbers when there is only one. I have disputed this with ability and they are not cooperating. The allege I owe XXXX college XXXX. They also posted another account to my credit report saying I owe XXXX college XXXX. I am currently in deferment on a 2 student loans used to cover college expenses they appear on my credit report also. I should not be charged these expenses as my student loans have already covered them. Ability recovery services is reporting inaccurate information and is fraudulently over charging me. I would like these items deleted off my report but they refuse to do so and continue to break law under the fair credit reporting act. Please help me resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA

Complaint narrative:
I applied for a HSBC Advance checking account on XX/XX/18 with a promotional offer of {$350.00} ( screenshot of details is attached ) after depositing {$10000.00} in new money within 30 days of account opening and maintaining that balance for 90 days. 

I received an email on XX/XX/18 ( PDF is attached ) saying my account application was pending and if they did not receive the required initial deposit they would be unable to open my account. 

I made the required initial deposit and received an email on XX/XX/18 ( PDF is attached ) saying my account application was approved. 

I made my deposit of {$10000.00} on XX/XX/18 ( screenshot is attached ) which is 30 days from the account opening date of XX/XX/18. 

I had not received the bonus so on XX/XX/18 I logged in to my HSBC account and started a chat session ( screenshot attached ) to inquire about the status of my promotional bonus offer. The HSBC chat representative mentioned they could see that I had met the requirement for the promotional bonus, but that it takes 6 to 8 weeks to receive the bonus after the requirements were met. 

I waited for that period of time and checked again through a chat session on the status of my bonus and was told that I had *not* met the terms of the promotion, which was contrary to what the chat representative told me on XX/XX/18. I mentioned my deposit was within 30 days of account opening but they told me that my account was opened on XX/XX/18, not XX/XX/18. The email I received on XX/XX/18 not only said " account application pending '' in the subject, but also stated " Please note your application will expire in 25 days and if we do not receive the required initial deposit we will be unable to open your account '' which led me to believe my account was waiting on my initial deposit to open. 
They told me they were going to submit an inquiry to their 'rewards team ' and would get back to me. 

I waited a few weeks, had not heard anything and started another chat session and was told an inquiry was actually *not* submitted but they would go ahead and do that after I requested it again. 

Instead of wasting more time and waiting even longer, I decided to submit this complaint for a hopeful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Last month, my debit card was inexplicably cancelled without any notice to me. I found out it had been cancelled after trying to use the card at a neighborhood restaurant. After 40 minutes on the phone with Chase customer support, I was told by the agent that the debit card had been cancelled because it was a Premier checking card and I no longer had a Premier checking account. This made no sense to me because my account had been converted to regular checking about 3 years ago and I had been issued at least 2 or 3 debit cards in the interim. I was sent a replacment card, which took 4 days to reach me, and then I had to go to a branch to have the PIN reset because the card they sent me was not linked to my old PIN number so I could not use the card until I visited the branch and had the PIN reset. All told, I had no access to my checking account short of visiting a branch for a week. 

Last week, I again had my debit card declined at a local merchant. This time when I called customer service, they told me that it had again been cancelled, once again with no notice to me ( Chase has my email, mobile, and two phone numbers on file ). I had to escalate the call to a supervisor, who told me that he could not find any reason why my debit card had been cancelled. He was able to reinstate my current card. 

Yesterday, again, my card was declined at a local merchant. I am tired of spending 20 and 30 minutes at a pop on the phone with customer service agents who have no idea why this is happening to my account. Today is a bank holiday, so I can not just go to the branch to have this resolved. My biggest compliant is that my card keeps getting cancelled WITHOUT ANY NOTICE. In the past, Chase has sent me text messages  when there is a fraud alert that has frozen access to my card. I have also received automated phone calls when there was a potential problem with my card. How can Chase cancel my DEBIT card with no warning or notice whatsoever? I live in a rural area, the nearest branch is a 10 minute drive away, and I use my debit card every day. This situation is unacceptable, and nobody on the phone at Chase seems to know why it is happening or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This collection on my credit by " Diversified Consultants '' for {$2400.00}, was just reporting as XXXX. This account has been sold and reporting to another agency. I would like for this to be deleted off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.

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 2018-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In XX/XX/2018 after verifying my credit report, I noticed that XXXX XXXX sold a debt of {$120.00} that I owed debt as a new debt to Waypoint Resource Group. Mind you, the debt was already two years old. So in XXXX, I contacted the debt collector and asked a routing question, if they settle on small balances as well. The young lady said they would accept {$87.00} as a full payment and solved the account if I paid the same day. 

I requested a letter and receipt stating so, I never received it. So today I checked my account only to find that they report the account as " Settled - less than full balance '' which is not the terms agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: NC

Complaint narrative:
***To whom it may concern**** I have noticed that US BANCORP have placed an inquiry on my XXXX  credit file dated XX/XX/18. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to  inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. XXXX report that you US BANCORP pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''

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 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It is XXXX XXXX in America. After sending supporting documents supporting my case to XXXX and Equifax reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have contacted this agency multiple times in an effort to validate a debt that does not belong to me. This company has failed to provide accurate documentation. A bill summary does not validate this debt. I also believe that my privacy pertaining false medical history has been unlawfully accessed, I will not hesitate to file a XXXX complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP

Complaint narrative:
This phone number ( XXXX ) has called asking for a person who does not work here, has never worked here, and is not related to our company at all. 
They have called and been informed of this over 20 times. Each time we have asked them to remove our phone number from their list. 
The latest call they have made to us was on XX/XX/18 at XXXX XXXX. 
They have gotten that they call, ask for the name, then hang up after us asking them to remove our number off their list.

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I was contacting the hospital to find out if I had any outstanding bills that were not ran through my insurance. I was told I had to contact a few agencies by the hospital to ask about my insurance being ran on some outstanding claims. When I contacted Eastern Revenue, I was contacting them specifically in reference to a different date of service that I had been told about by the hospital that took place in XXXX and was placed on the phone with an XXXX XXXX to talk about what I needed to have ran through. He started explaining I had several outstanding debts with their collection agency, I had only contacted them to ask about whether or not my insurance had been ran through for a date of service in XXXX. During speaking with him he was harassing me about the other dates of service that are outside the limitation of collection, he kept asking me to make payment for them and to make arrangement for them to be paid. I explained I was not calling about making payment I wanted to know if my insurance had been ran through before the charges were placed against my credit for the XXXX date of service which was my right to ask. Since then I have received calls from them several times a week regarding collection of the outstanding debt for charges dating before XXXX. The debts were not on my credit report and they refused to send me a statement of verification or anything in writing about what they claimed I needed to pay right then and there. I never asked about these debts or promised to make payment to them. They reopened these debts from XXXX as if I contacted them about them and promised any sort of payment and are now contacting me several times a week for payment on a debt that was written off years ago that I didnt contact them regarding nor did I have prior knowledge of before contacting them regarding a claim that should have had been partially or fully paid by my insurance company. They have threatened to sue me for the debt and to get payment through alternative means of collection?? I dont know what that means or their intentions are however I feel that this is a sincere threat from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I submitted a dispute online with XXXX who reached out to XXXX/XXXX XXXX and told them I had paid this debt off directly with Capital One. XXXX/XXXX  XXXX refused to cooperate and stated that the debt was still valid. XXXX won't remove the debt because of what XXXX/XXXX  XXXX has stated. 

The debt has been paid in full with Capital One Credit Card Company and can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have an item on my credit report from an unidentified collection agency. When attempting to dispute the incorrect information, the lender has no record of balance being owed. The information on my credit report does not identify the agency that placed the collection item on my report and Equifax is not providing information. As such, I would like the information removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty. 
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now. 
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota. 
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.

Company response to consumer: Closed with explanation