vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had an account with an attached student account for my son who was underage ( XXXX ) upon opening. My account was closed by Chase because an overdraft occurred that was not paid for when I became unemployed. My son was still using his account and when he went to get a new debit card and his ID was verified ( XXXX ) Chase withdrew his direct deposit paycheck funds from his account of {$290.00}. I have been unemployed since XX/XX/2018 and He makes his own funds. Chase has taken his funds to return to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX I noticed that I was getting charged finance charges for debt protection plan ( charges you a % of your balance each month in case you become unemployed ) on my Best Buy Visa through CitiBank. I tried to reach out to them via secure message because I never agreed to this service. Their secure message system, unfortunately, does not allow the use of any punctuation or special characters. Needless to say, I gave up trying to fix my message when I went through 1 by 1 to try and figure out what character wasn't allowed. I forgot about it, as I paid the card off quickly. A year later on another 0 % interest purchase, I noticed the same charges and when I called to say something, Best Buy had no way of removing that or notifying Citi Bank because they were closed on Saturday & I had to call back. I froze my account and sent them a secure message revoking authorization for any further charges and to opt-out of their debt protection program. I only hope they could understand it without being able to use any punctuation. I did request a refund of all charges. I will not call them again to try and have debt protection removed. They will not hold people hostage to a service they did not agree to by not allowing adequate communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX while shopping, I applied for an XXXX XXXX, entered all of my personal information and was approved and received an approval for {$3000.00} all while logged into XXXX 's site but was not provided the new account number. Additionally, the approval page stated I would receive my card in 10 days. 
Yesterday, XX/XX/XXXX, I received an email that my new XXXX XXXX card was undeliverable, that the address was incorrect, the email contained a link to call directly, which I did not use. I have been an active XXXX and XXXX customer since XXXX and only my telephone number and last name due to marriage 17 years ago have changed over the last 19. 
Something with this email just didn't look right so as Synchrony Bank underwrites the XXXX XXXX and I have other accounts with them, I called today XX/XX/XXXX at XXXX XXXX at XXXX to look into further, the system identified me with the last 4 of my SSN # and gave me the information that this eBay account had a {$300.00} available credit line, not the {$3000.00} I was shown approval for with the last 2 digits of the new account # as " XXXX ''. 
I keyed further through the prompts and spoke with a customer service requesting that as the card has not been received and due to the " bait & switch '' on the credit line to cancel the account. She advised that I entered the wrong address on the application ( huh? ) She said she could not cancel the card without more information and continue to press for it- that she needed EVERY piece of my information in order to look up my account and then close the account, birthdate, last 4 of SSN #, address and middle initial. I then advised her that I have other accounts with Synchrony, that something was VERY wrong, that I was ending the call and filing a direct complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
HHRG, a Medical debt collection agency, Has been continually harassing me daily. Its seems as if they three debt on which they are trying to collect on. HHRG isn't the original debtor and they do not have any of my signatures on the paper work. Instead of my signature it says " signature on file ''. I do not trust this company. Why would my signature be on file with them? They call me everyday from different numbers and leave a prerecorded voicemail every other day. The use of auto-dialing technology and the use of pre-recorded voicemails is illegal since it violates the TCPA and FCRA LAWS. I have verbally revoked their right to call me as I have not given them permission to call my personal cell phone. They sent a itemized bill XX/XX/XXXX and a final notice on XXXX XXXX but have not validated the debt or stopped trying to collect. HHRG 's final notice was derogatory and threating. I have 18 prerecorded voicemails saved on my phone which seems a bit extensive. I am in pursuit of recovering damages for their illegal debt collection practices. I have not been employed since XX/XX/XXXX due to a workman comp injury.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: WI

Complaint narrative:
On XXXX XX/XX/2019 I was sent three emails from XXXX asking if I was applying for loans. I responded, NO I was not. I received a letter, dated XXXX XX/XX/2019, from Silver Cloud Financial Inc. notifying me of an unresolved balance on " my '' account. The letter did not have any amount, just an account number. I called the number on the letter ( XXXX ) and spoke with XXXX ( supervisor ) on XXXX XX/XX/2019. I gave her the account number on the letter and she said I would have to give my Social Security Number. I refused and said this account was fraudulent setup without my consent. She said I would have to email : XXXX. 
On a side note : the XXXX phone number had been calling my cell multiple times each day since XXXX XX/XX/2019. 

I emailed on XXXX XX/XX/2019. They responded back on XXXX XX/XX/2019 requesting their " Identity Theft Victim Complaint and Affidavit '' form to be completed along with sending copies of my personal identifiable information ( PII ). 
I received another letter dated XXXX XX/XX/2019 stating that 'If you do not pay the amount by the next due date your loan will be considered in default '' The letter did not have any amount or due date listed. It also stated that " unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion our office will assume this debt is valid. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: GA

Complaint narrative:
To Whomever This May Concern : Please see the attached letters for Equifax and XXXX. Equifax added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. Equifax just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

XXXX, please remove The bankruptcy and XXXX XXXX XXXX XXXX. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for Equifax to update my personal statement. The phone number XXXX was correct on there and then Equifax changed it. I never asked for it to be changed. Please put it back as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : Please see the attached letters for XXXX and Experian. XXXX added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. XXXX just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

Experian, please remove The bankruptcy and XXXX XXXX XXXX finance. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for XXXX to update my personal statement. The phone number XXXX was correct on there and then XXXX changed it. I never asked for it to be changed. Please put it back as it 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 non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
i log in to the account checking and it shows that i have the funds available, but then i get charge for overdraft fee when cleanly it show the funds available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have us bank they reverse the credits that they put on my account one {$230.00} and one for {$52.00} And for {$53.00} $ and one for {$33.00} now i'm overdrawn {$480.00} they should put the credits towards my account they made the mistake and it is their fault they let XXXX XXXX XXXX charge my old debit card now they are paying them now I don't have enough to pay my rent or my storage room or my life insurance or my pharmacy if I write the three checks are and they balance are they going to pay them out of their own pocket no they won't

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: OH

Complaint narrative:
In XX/XX/XXXX, I discovered General Revenue Corporation had been re-inserted into my credit file for XXXX, XXXX, and XXXX after being disputed and removed in XXXX. Under the FCRA, I should have been notified of any reinsertion and to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did NOT receive any such notification. Also, they have continuously increased and decreased the amount of debt. Which has caused great damage to my credit score and has changed the ORIGINAL date of first reporting date. Please delete this item immediately as to am now seeking legal counseling to pursue further actions. This has been an ongoing issue and they have proven to be deceptive and continuously violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2019, chatted with company representative asking that my account be closed. Representative indicated that account would be closed within 2-3 business days. On XX/XX/2019, received an automated call indicating my closed account had a negative balance of {$58.00}. Upon logging into my account, I see that company has not closed the account as requested, has charged a monthly maintenance fee of {$25.00}, and has charged the account a {$34.00} overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: Innovative Funding Services, L.L.C.
State: TX

Complaint narrative:
On XX/XX/XXXX, after receiving a prepproval from a company by the name of innovative funding services, they then ran my credit without my permission twice. With two different inquiries now populating on my report. Then, only to email me and deny me approval. I stated that the inquiries were made without consent to miss XXXX XXXX, finance advisor with the direct line of XXXX and yet they remain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Resources
State: TX

Complaint narrative:
XX/XX/2016 a debt collection for a XXXX dollar medical bill showed up on my credit. I googled the debt collection company and called them and asked them to please send me proof of the debt. I had never received a bill from the hospital for XXXX and all my other hospital bills were paid. After I got out of the hospital in 2016 and after paying all my bills I ended up moving states. I think that what happened was the bill was sent to my old address and I never ended up seeing it and no one called me. When I called the collection agency they were very rude and said I owed them the money and how would i like to pay. I asked them to please send me proof to my new address which i gave them. Instead they just kept calling me and sending letters that I owed them. They never verified the debt. I finally called them back again and asked if i paid them the XXXX would they remove the negative collection from my credit and they said no. I think this is an unjust collection report on my credit since I moved and did not ever receive the bill in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: WA

Complaint narrative:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I have been a victim of predatory lending from XXXX who has subsequently sold the loan to XXXX XXXX XXXX ; who has passed the loan to several servicers including XXXX, XXXX and Carrington Mortgage. This Loan started at 9.875 % and is currently 11 % as of XX/XX/XXXX. I have made several attempts for loan modification of which they have denied because I continued to pay. Since XX/XX/XXXX, I have stopped paying this high Interest predatory loan. Currently, XX/XX/XXXX claims to own this loan but has no proof of the promissory note. I am currently in litigation with XX/XX/XXXX because the Loan is approximately 8 percentage points more than fair market value. I am unable to continue fighting this predatory mortgage company and need help in refinancing to get out of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Mariner Finance has been posting missed payments, due to my unemployment, to my credit reports. The missed payment reports are legitimate. However, they are reporting that my principle loan is more than double the actual amount. I have accounts with XXXX, XXXX XXXX and XXXX XXXX so when anything on my credit report changes I am immediately contacted. In early XXXX I received a notice that my loan was renewed with the principle amount of {$6800.00}. The actual amount was {$3000.00} to which I have already paid over {$1500.00} during 2018. I contacted the company on 5 different occasions about the amount they are posting. The last time I spoke with XXXX he asked if I received their court papers in the mail. At that point I stopped communication with them to wait for the court documents that I still haven't received. So they have called my sister 's cell phone twice and left messages saying I owed them money and that I was behind on payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management is attempting to collect money and interest on a account that I do not have Patient Responsibility for the medical billing error. They have recipes the Explanation of Benefits prior to this account becoming a collection. On XX/XX/XXXX I received an EOB that I am not responsible for dates of service at XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for my son XXXX XXXX. XXXX XXXX had this information and still sent it to collections, and its illegal for a collection company to charge you interest on medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: WA

Complaint narrative:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, TransUnion and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

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