vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Officer, My Chase Business Visa account was for over 10 years in excellent standing, without late payments and always paid in full. Recently I become a victim of investment fraud and on my XXXX XXXX card was accumulated significant debt. As the result, I necessitated filing a bankruptcy on XX/XX/2018. Again, on a moment of filing bankruptcy, my Chase account was completely paid off. After filing bankruptcy all my credit cards accounts were closed, including Chase business account. On this business card was accumulated {$150.00} of cash back rewards money and I promptly contacted Chase and ask to transfer this money to my checking account. My request was denied. Chase representative told that my cash back money becomes forfeited due to my bankruptcy according to credit card terms and conditions. I understand this policy if a card has debt. Hoverer, again, my card was paid off and Chase did not lose its money because of my bankruptcy. However, Chase took mine money instead! I see that Chase policy if it blindly and straightforward applies, discriminates accounts in good standing prior bankruptcy like it has happened in my case. 
I disagree with Chase decision and request to refund my cashback bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/XXXX : {$1600.00} interest fee was added to my remaining balance. 
was told that i just needed to pay the suggested amount at minimum when i first applied for the card. i have continued to pay the interest and more every month, since getting the card. lately ive paid the minimum, but they sent me a notice lowing my credit limit on the card, then they added the interest bringing the card into the negatives. 

none of this was explained or detailed at the XXXX  store which is now out of business.

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hi Sir, I had disputed 4 transactions in XX/XX/XXXX on my credit card. As of today XX/XX/XXXX the case is still not resolved by chase and it was told to me by chase representative on the phone that I am not liable to pay these charges or the interest accrued on them until it is resolved. Now these charges have been reported to the credit agencies as past dues and my score is down by 150 pts. I would really appreciate chase to remove the past due remark from my credit report and also resolve this dispute asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX I decided that I no longer want to use Coinbase cryptocurrency wallet, so I closed/deleted an account ( with XXXX funds on it ). On XX/XX/XXXX I was trying to sent my Ethereum from 3rd party website to my currently used wallet, but I accidentaly sent it to a address associated with deleted Coinbase account. I imediately contacted Coinbase support via e-mail and also made a post on XXXX  ( XXXXXXXX XXXX XXXX ). From Coinbase support I got an irrelevant ( probably automated ) reply that all transactions all irreversible. I also got contacted from one of the Coinbase XXXX moderators via the support ticket. She told me that my transaction was found in system and I should recreate my account so they can assigin my transaction to it. So I did that, replied and from that point I'm only waiting. It will be more than month now and I still didn't recived any reponse from them. Also, few days ago, I opened another support ticket, where I asked if they could finally look onto my problem. I will attach copy of both e-mails in .pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I reviweing my statement I found 4 transactions I did not made them.

XX/XX/2018 XXXX *XXXX   XXXX XX/XX/2018 XXXX *XXXX  XXXX   XX/XX/2018 XXXX *XXXX XXXX   XX/XX/2018 XXXX *XXXX XXXX XXXX I filed a claim to Bank of America on XX/XX/2018 by phone at XXXX XXXX They told me that they will remove those transactions from my account They removed it but after about 2 days I found them again in my account And I received a letter from bank of america that they finished the investigation and I have to pay that amount NO one from bank of america called me or asked me what happend I did not made this transactions and I should be not liable for fraud transactions

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 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is a continuation of the attached description with Paypal : I send {$99.00} from my online bank mobile banking to Paypal using my name ( XXXX XXXX ) and my phone number ( XXXX ). I never received it. Paypal admits to sending my {$99.00} to someone else ( I later found out was a person named XXXX XXXX who I have never met or ever made any sort of contact with ) who has the same phone number somehow associated to his Paypal account. Paypal refuses to correct this mistake of sending my money to someone I don't know or intended to ever send to! I have had this phone number with Paypal since I opened my account and have kept it current by doing it online or with a Paypal representative over the phone. I have had this phone number for over 2 years now both initially with XXXX and later with XXXX ( after changing providers ) under the same phone number and with the same name on the bill. 
Paypal refuses to refund my {$99.00} and they refuse to look up their online records which show my attempts to update my phone number online either with home computer or my mobile phone ( way before the issue of missing funds ever came up ) and the associated I.P addresses which are recorded whenever someone goes online verify and confirm phone number and any other profile info with Paypal. Additionally, they refuse to look into the call logs of when I personally called Paypal and spoke to a representative to update and verify my phone number ( again way before the issue of the missing funds ever came up ). Why did i call or go online to verify my phone number? Because the system or a live agent asked me for verification over and over again as requested. Time after time and call after call with various Paypal representatives was I reassured my profile was up to date and current. Paypal has to have a online record as well as phone call log as to when i contacted Paypal via my computer IP address or direct phone call via phone number Why wont they refund me my missing money? Because they claim the phone number in question ( which they use to direction money transactions ) was verified and claimed by someone else ... with my phone number! Unbelievable. Even though original transaction I initiated with my bank used my name and phone number, the funds were still misdirected to someone else. Even though when i opened this account with my current phone number it was still lost. 
Paypal refuses to get my money or take any further actions to correct the misdirected and lost money. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Please see attached documents of communications- however I will summarize below : * I initiated a " 12 month deferred interest '' credit card with the XXXX furniture website ( XXXX ) in XXXX XXXX to open a card that is " managed '' by Comenity Bank as their credit provider. 
* I was approved for a " 12 month deferred interest '' credit card in XX/XX/XXXX, and proceeded to make my purchases, and have continually made my payments on time. 
* As the monthly " bill '' arrives electronically via email- I typically just pay my bill via cell phone * In XXXX XXXX I went into the website to actually " open '' my statement ( which takes a few additional steps to do from the email bill that arrives ) and realized they were charging me interest, in error. 
* I immediately contacted XXXX, who directed me to their credit card partner- XXXX XXXX XXXX In XXXX I called XXXX and opened a formal " dispute '' about the charges * XXXX  XXXX   XXXX with a letter in the mail informing me that as I had not notified them of THEIR ERROR within 60 days, the interest charges would not be reversed- nor would they make an adjustment for the life of the credit card balance to adjust my card to be " 12 month interest deferred '' * I contacted XXXX, and they verified that they properly reported the account to XXXX XXXX as a " 12 month deferred interest '' account, and the error was not on their end, however they agreed to provide me with an email stating that the account was, and should have been coded as a " 12 month interest deferred ''. 
* I provided this information to XXXX in XX/XX/XXXX via a formal writtem- certified mail 2nd complaint. While I have never received a formal written response from my 2nd complaint via mail ( although they tell me verbally otherwise ), a XXXX  representative has verified via telephone call for me that their original decision stands, and that the account will NOT be changed to my CONTRACTUALLY AGREED UPON TERMS to have a " 12 months interest deferred '' credit card- nor would they reverse any previous interest charges as " 60 days have passed since the initial error '' - regardless of upon who the responsibility for the error lies. 
* I contacted XXXX via email as a foollow-up and have not received a response * I feel this is clearly " deceptive '' practices on the part of XXXX, and in turn, XXXX as my provider. 
* I have provided all documentation for this case via upload

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: TX

Complaint narrative:
Repeated phone calls to my personal phone number. Additionally, XXXX XXXX defaulted my loan when I had made a payment on the account. When I had requested that my loan be serviced due to errors made on the account, I was not communicated with they defaulted my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2018 - for over a month I have tried to access my BBVA Compass checking account. Everytime I call they say I need my account number to access my account. They won't let me use my ATM card or any other information, SS, DOB, address, etc.

They won't send a paper statement. They won't help access the account by sending a link to reset, they flat do not help if you do not have the account number and they won't send out a paper statement so I can get the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XX/XX/XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/XXXX -  complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.

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 2018-04-30 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees. 

My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live. 

I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
21st mortgage sent letter not certified stating they will offer is XXXX to move in 10 days from XX/XX/XXXX letter rec on XX/XX/XXXX. Balance owed one payment of XXXX and upcoming payment will be paid in XX/XX/XXXX. First payment of XXXX will be rec on XXXX next payment including late fee will be rec on XX/XX/XXXX, we believe we owe less be used we were told the escrow payment account was overpaid by XXXX and would be applied to the account meaning XX/XX/XXXX payment should be XXXX and XX/XX/XXXX payment is going up to XXXX. There are only two items paid out of escrow insurance which is XXXX a year which we paid up front the first year they paid out of escrow this year. Last year no property tax payment new property tax XXXX they continue to pad the escrow without applying the overage to the account and now are saying we are way behind acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2018-04-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial services ( BMWFS ) assessed a balance of over {$2500.00} upon vehicle return from a lease in XX/XX/2017. Payment arrangements were made through BMWFS for auto pay, however the account was sent to collection. Several attempts have failed to resolve the matter as both the collection agency hired by BMW and BMWFS refuse to clarify what will happen once the balance is settled. I have expressed my willingness to pay this account from the onset however they will not clarify how they will be reporting to credit bureaus once the account is paid.

Company response to consumer: Closed with explanation