vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Companies : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Procollect Inc. 

To whom It may concern : I got a call this morning XX/XX/XXXX from procollect inc. saying that my wife and I had an outstanding bill of {$1900.00}, and so we called XXXX and we were told we did not put in a 60 day notice. I explained to the assistant manager who was rude that I put this notice in writing on a paper. My wife was present with me when I wrote this. The lady who was fair skinned with curly hair promised to update it on my file. I asked about the lady, but was told she no longer works there. I have never owed any bills to XXXX, you can as them about my rental records. I moved out of the apartment decently and organized. I kindly urge you to please look into this matter as soon as possible. 

XXXX : Collections told us to reach out to the company ( XXXX ) about this issue and that we have 13 days to dispute and revert this, and I have done that today. 

XXXX : Apparently, the apartment ( XXXX XXXX XXXX XXXX  ) said that vacating the premises one day early was deemed early termination, hence the {$1900.00} bill. the attached files proves that I left in a timely manner in which I submitted the apartment keys at XX/XX/2021 at XXXX and the gate and mail box key XX/XX/2021 at XXXX accordingly. 

sincerely,

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a Moneygram money order for {$500.00} to pay a bill. A few minutes after making it out to someone I found out I did not have to pay that bill. Neither the store that sold it to me nor my bank would cash it so I went online to moneygram.com and completed a refund request form. I am attaching the acknowledgement letter I received frim XXXX. stating my refund will take 3-4 days as I requested expedited processing for {$45.00} and overnight mailing for {$22.00} for a total cost of {$67.00}. I did upload to the XXXX website photos of the money order & the stub receipt as I still had & have in my possession within minutes of moneygram requesting them on XX/XX/XXXX. I called after a few days to check the status and a rep told me they had received my uploaded photos & my refund would be issued on XXXX XX/XX/XXXX. I just checked their website & my claim is still sitting with no progreess andNO refund. That department does not take calls and I was told the managers were not available to speak with me! 
This is completely wrong and seems like theft and there should be something that can be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
A amazon credit card was opened using my name on XX/XX/2021. With a balance of {$400.00} nothing had been charged to the card yet. Amazon has helped me close out the card and report the card opening as fraudulent. Amazon had also told me to contact the FTC to report the fraudulent activity.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX purchased my private information from Capital One Bank XXXX XXXX XXXX is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both XXXX XXXX and Capital One Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attached a letter on accounts reporting incorrectly 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX XXXX Midland Funding purchased my private information from XXXX Bank and are assuming that I owe them {$790.00}. I have no contract with Midland Funding so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I applied for the public service loan forgiveness program and was accepted. I have made on time payments since 2001 and worked for the federal government for 10 years thus making me eligible for the program. However I received a communication from Fed Loan Servicing stating that I need to make 101 more payments for the loan forgiveness to occur. I believe this is inaccurate and would like forgiveness applied to my loan now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I had made a couple of purchases using PayPal credit ( Synchrony Bank ). These purchases are showing up on my statement but they are showing up twice on my statements. They are showing the original valid charge, but they are showing another charge the very next day for the exact same amount which is a duplicate. This has happened for 4 transactions. On my statements, the 4 valid charges are showing and then a day later from each of the 4, another charge for the exact same amount. Synchrony insists I was not double charged and I have tried several times to get them to resolve this, they have not and keep insisting I wasn't double charged despite the double charges appearing on my statement for a few months and also showing on their website. I believe they have something terribly wrong. They can tell me I wasn't double charged, but their bill to me shows me I was.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Recovery Portfolio calls me and my husband multiple times a day. I told them to only contact me by mail and they have yet to do so. They ask for my information but refuses to give me any information unless I identify myself. They give personal debt information to my husband. They call after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Capital One violated my rights by closing my credit card account without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Capital One closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Capital One discriminated against me by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian, XXXX and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

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 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I attempted to deposit 1400 usd to the Chase bank ATM that I frequent. I put my card in, typed my pin, and selected that I would like to make a cash deposit in my checking account. The ATM prompted me to insert up to 100 bills. I inserted 14 100 dollar bills. It shuffled around for 3 minutes and then came back and said to call XXXX to verify it went through and it also printed out a receipt showing the same. I called and the customer service rep told me to it did not go through and told me I will have to contact their claims department in the morning since they were closed. I waited a little bit longer to see if it would spit it out but it didn't. I called back the next day and filed a claim and they said they would issue me a temporary credit within 2 business days which was inconvenient but fine whatever. Today XX/XX/XXXX was the 3rd business day so I called back and they told me that they couldn't find the sequence number that I gave them that was on the receipt and therefor had to escalate to a different claims team and that they had to research this and that it would take up to XX/XX/XXXX to possible get a temporary credit. I told them this was unacceptable due to my rent being due 2 days ago and im getting charged daily for late fees and all they kept saying qas there was nothing they can do. I went to the branch and they tried to call the claims department and were met with the same thing. I'm at a huge loss and they don't seem to care and I'm getting charged daily late rent fees because of getting robbed by my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
indigo credit card made my payment on the due date..they credited my account, and then turned around and returned the payment and billed me a late fee. on top of all that they let my available credit stand and then they charged me for going over my limit... i got this card in hopes of straighting my credit out ... and all they have done is made it worse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank Customer Service reps sound like they re in a fish bowl. Transferred 5x and everyone sounded same. Trying to resolve issue but can't understand a word they say.

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX purchased my private information from Comenity Bank and are assuming that I owe them {$790.00}. I have no contract with XXXX XXXX so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I made on line deposit at BANK OF AMERICA of a check I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as shown in the attached photo and another online deposit at BANK OF AMERICA on the XXXX of XX/XX/XXXX worth {$1000.00} from XXXX XXXX in XXXX XXXX, as attached, the 2 checks cleared normally to my company account. On XX/XX/XXXX my wallet was stolen and there were 2 sheets of checks, which had already been cleared, and on XX/XX/XXXX the value of the 2 checks, one for {$4200.00} and the other for {$1000.00}, was withdrawn from my account, in the statement is marked that there was a duplicate ad debit adjustment, I filed a police report on the day of the theft, I called the bank and complained about the withdrawan of the money, i said that i would have up to 60 days to investigate the event, as i called several times I went to the bank and went directly to a physical branch, talked to a manager and the time she calledthe fraud departament, because so far they haven t solved my caseand haven t returned my money.I always call bank of america, s fraud departament and they clain I deposited 2 times the same check. Because the bank has an eletronic system and does not allow you to deposit 2 time the check, I dont understand why the money disappeared from my account, because if I had deposited twice it would have doubled the amount in my account. I already called the respective ownersof the 2 checks and they informed me that the amount did not return to their account and this a manager suggested and opened another account of my company and said that i could receive deposit my checks that there would be no problem paying the other one account that is negative due to the withdrawn amount. 
I dont know what to do anymore, it will be 60 days and they claim they wont return the money and XXXX i made a check deposit of {$650.00} in the new account i was using, it is usually on XXXX they transferred {$63000.00} for the account that there was the duplication.

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 2022-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC
State: MD

Complaint narrative:
The catalytic converter was stole out of the car and tried working with the Auto Trakk while in the hospital battling XXXX. After I was not able to buy the stolen part for over three months I decide to buy a new car after several conversations with the dealership. I did not see the paperwork until after recently. I emailed and called Auto Trakk 's customer service. I asked for someone to send a copy of the breakdown of the charges of {$1800.00}. A copy of the what i have paid and what was applied. I paid {$200.00} per week for over 57 weeks. The amount of XXXX paid and I still owed over 12K and an additional XXXX  paid on my new loan. Auto Trakk is refusing to send the statement of paid amounts and the what the monies paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I called Wells Fargo about getting a refund on a return to a closed bank account. The banker that I spoke to said that I can still receive refunds on my closed Wells Fargo account before XX/XX/2021. XX/XX/XXXX was the 30th day of my bank account being closed. The banker told me that once they receive the refund then I would be getting a check in the mail. She also told that it will take about 3-5 business days to process any refunds so I made sure to go before. On XX/XX/2021 I went to the XXXX XXXX at XXXX, CA to return my online order. I returned my order ( order # XXXX ) in store and I would be getting {$93.00} in total. I was given back {$8.00} in a gift card, which I then cashed out for cash instead. Then I was told that the rest of the balance that is {$85.00} would go back to my Wells Fargo account ending in XXXX, which was already closed, but since I was told by the banker that I would be getting a check I let the refund go through. I waited and called back the next week and I was told my Wells Fargo that they have not received any refund from Gap. I then called Gap customer service, but they told me that they have already processed it and to wait a few more days. Around the week of XX/XX/2021 I called again and they kept circling back to what was already said to me that I should call Wells Fargo or the merchant. I did those things but there is no progress being made at all. They kept telling me to call back the next week to see what would happen to the money but still no progress from both Wells Fargo and XXXX. XXXX XXXX research department gave me a tracker number for the refund, but when I told Wells Fargo about it, Wells Fargo had no idea what that number was. XXXX XXXX customer service would hang up in the middle of the call because they can not resolve my issue. It would be better for them to tell me to call back the next day rather than hanging up in the middle of the call with no progress. Wells Fargo 's representatives are also clueless about being able to receive refunds on a closed account as long as its before the 30th day of the account closing. They needed to keep checking on someone higher up. Call times would be shorter if they are all in the same page. It is so frustrating having to call back almost every day for 3 weeks and having told the same thing while nothing was happening to be able to move forward for me to get my refund back.

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 2022-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX, Transunion and XXXX are in violation of reporting credit card balances and credit cards payments when 15 U.S. Code 1681 says that it should be excluded.

report containing information solely as to transactions or experiences between the consumer and the person making the report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or

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