vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
They refuse to accept the fact that I'm not liable for the medical bills that was supposed to be paid by the insurance company due to an automobile accident Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a Chase XXXX XXXX credit card from Chase. A few months ago, Chase made a materially adverse change to the credit card 's terms. 

Specifically, Chase limited the number of guests allowed with the XXXX  XXXX airline lounge benefit and also disallowed points earning on the {$300.00} in travel charges each year that normally result in travel credits. 

Under the terms of the agreement, I could refuse to accept these changes - which I did. I called Chase to request that my card type be changed to one without an annual fee and that the annual fee be refunded. 

Despite making this request 4-5 times, the request was not processed. I finally escalated my request to a supervisor and it was processed however the annual fee refunded was pro-rated as of the date the change as made where as, under the terms of the agreement, I was entitled to a full refund of the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter regarding my USBank XXXX XXXX credit card month ago, and said it's under review and access is limited. After calling them they told me account is closed, and there is nothing they can do WITHOUT ANY REASONS. I have this credit card for almost 6 years and everything is in good standing, and still have about {$50.00} in rewards that haven't redeemed yet.

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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have fought this for months with the credit agencies, this debt doesn't belong to me. I do not owe any apartment complex this company has the wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: MN

Complaint narrative:
In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. 

I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX  XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. 

When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... 

Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. 

There are a whole bunch of other issues with XXXX  XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. 

I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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:
THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX -LIT -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX -XXXX  XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX -XXXX   XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX  -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX  - {$5000.00} XX/XX/XXXX -XXXX   XXXX  XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX  XXXX - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}

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 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX  XXXX  MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal. 

Approximately 1 week later, I received a XXXX XXXX  Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical. 

I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information. 

My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I purchased Ca home at XXXX XXXX  XXXX XXXX CA XXXX for {$290000.00} all cash, adding {$10000.00} in improvements. I became I'll last three years documented on XXXX. I used credit cards during illness to provide for myself. I was a legal assistant 15 years and widow. I am XXXX. Thru mail I received Discover ( same logo as my long time Card ) letter of notification for home equity loan, citing excellent payment with discover card and my home equity. Citing these two issues. 
AppliedXX/XX/XXXX, XX/XX/XXXX received rejection letter. I'm a XXXX XXXX cyberhacking victim. Fake " charge off " planted XX/XX/XXXX..reason for refusal. Item removed two weeks ago.. 
Called Discover..said " your 7 years prompt on time payments, paying off debts, does not count only credit score and your balance on Discover card is too high. Fake Credit checks on XXXX  monthly from discover mortage and I don't have mortage. It is driving up cost to borrow on Discover. They said they are separate companies yet with same logo. 
Loan quote was a payment of {$680.00} a month {$35000.00} equity. Double what flyer said What hurt my credit was discover and they are lying in mailings. 
Representative said " alleged fake items in credit check. '' I said they were removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full  payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX   XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

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 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This debt isn't mine, this is fraud, someone ordered some stuff and had it shipped using my name ( XXXX XXXX ) I have notified and completed a fraud package and still dealing with this now with a different company. The address the company had on file I never lived at. This is NOT mine / DOESN'T BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madame : My original mortgage loan with XXXX XXXX XXXX was transferred to a mortgage servicing company called XXXX. 

In 2017, my wife lost her job. At that time, I had made contact with XXXX XXXX XXXX to find out that they sold my mortgage and is now managed by XXXX. Eventually, I was able to make reach an individual with XXXX  and explained my family 's situation. At that time, the only help or abbreviation extended to me was a loan modification/refinance. And because I did not want to have any negative effect on my account, and for my family 's benefit, I accepted the offer and its terms. 

At the initial stages of this process, I had asked if it would have any negative effect on my account and credit, etc. I was told it would not. The loan modification/refinance took many months, and much longer than I would have imagined. However, it did get done and my mortgage payment was a bit smaller. It wasn't anything tremendous but it was helpful nonetheless. 

After it was all said and done, I checked my credit scores as I needed to get financing for my daughter 's college/student loan. Unfortunately, I found that this " process '' had a grave negative effect on my credit. Immediately, I contacted XXXX to question the scenario. To date, I have yet to receive much cooperation. I explained to them that at most, there might be a 30-day late pay but that it was actually their fault because they initiated an auto withdrawal from my bank account without my permission or knowledge. The transaction was not approved because I did not initiate it. And what did XXXX do? They marked the payment as a late pay. Please know that the payment was eventually made per my action/approval. However, it was very frustrating as XXXX had upside-downed my bank account and I had to wait for that to be corrected before I could take care of the payment. And, I was charged fees from my bank and XXXX. 

I would really appreciate some help with this correction as I am desperate to help my daughter with her college tuition. These stains with the three credit bureaus is absolutely having a negative impact for not just me but my entire family. 

Please feel free to call me with any questions, etc. 

Thank you very much for your time and assistance! 

Kind Regards, XXXX XXXX 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 2018-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I got a personal installment loan with citizens one bank for the new XXXX. I went to pay off the full balance of the loan on the phone and I find after I made the payment with the supervisor XXXX that I was charged twice with each amount being {$1300.00} for a total of over a {$2000.00} charge on my credit card. I had to use my credit card to pay off other balances and could not do so because the overcharge of two payments reduced my credit line needed to pay off other balances. The supervisor did not tell me the first payment did not go through which took away my choice to tell her to not make an additional payment effort after the first payment did not go through. Instead she just kept charging my credit card without notifying me and when I get off the phone I see two charges on my credit card. After two weeks of waiting going back and forth with multiple supervisors I asked that they give me a discretionary credit on my credit card for all the issues as well as to compensate for the interest accrued on other balances that I could have paid off using my credit limit that they reduced by charging me twice. The bank didnt even make an effort to reverse the second charge as it was on my account for 8 days. For eight days I did not have the credit limit I needed to pay off other obligations due to them charging me twice while interest was acrruing daily on the other obligations. The supervisors escalated this matter to the office of the chair and the end resolution is that they were not going to give me a discretionary credit for all the issues they caused. I spoke to a lady named XXXX. I told her I was going to report them to the CFPB because many other customers may be going through the same thing. Two days later I get a call from the dispute resolutions department to check up on me because they heard I was going to the CFPB and they tried to ensure they werent going to give me a credit but they would better their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ( herein WF ) owes me at least {$500.00}, and the measly {$25.00} check they're sending me within 10 days will NOT be cashed. 

As in my previous complaint ( # XXXX ), WF promised to pay me {$200.00} if I left my bank, became a WF customer, and used my ATM card at least 10x a month for 60 days. Imagine my angst when I go to pick up my {$200.00} and they come up with " you should have brought us a coupon code. '' This bank has caused me at least {$800.00} in fees, I had to get a loan because I was losing so much money because WF is crooked - they gave me an account that wouldn't allow me to spend my own money - I was only able to spend {$500.00} a day. What XXXX XXXX made that up? Did they not think of rent? Car note? Life?????. 

And what makes it even worse? What XXXX me off even more? The letter attached to the CFPB response by WF - they said they looked over my account and saw that I had incurred international ATM fees and that's where my money went - WHAT??!?!?! I live in Texas, and have nothing to do with any type of international travel. So that's ANOTHER lie! WF isn't aware of how much money I had to spend because they haven't bothered to ASK me! 

I will continue filing a complaint against this crooked bank until they give me what they know they're supposed to give 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 monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
OnXX/XX/XXXX I was contacted by a man claiming to an officer. He stated I was involved in a crime and I needed to send him {$8000.00} by wire transfer. A wire transfer was set up on my account. On XXXX I decided to go to XXXX Bank in XXXX where the wire transfer was set up. I told them what happened and was told they would stop payment and the receiving bank, Chase would catch it. I was told by XXXX Bank they would contact Chase Bank to let them know this is fraud and not to allow it to be processed. 
OnXX/XX/XXXX we went to Chase bank was told the wire transfer was pending and but they had to go through before they were able to refund the money. The Fraud Dept. stated the process to stop the wire could take three to five business days. They advised that they would debit the fraudulent account and refund my account within 7-10 days. We contacted Chase continually to refund the money and they did not return our calls or refund the monies.

Company response to consumer: Closed with explanation