vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc.
State: NE

Complaint narrative:
I continue to get robo calls from General Service Bureau to my CELL PHONE number. I do not know this company, I don not owe any money this company and I did not give this company permission to call my CELL PHONE with the use of an automated dialer. The TCPA prohibits companies from using automated dialers to call CELL PHONES. Of the 20+ calls I have received from General Service Bureau on my CELL PHONE with their automated dialer, not one time has a person been on the line. All 20+ calls, I hear a serious of beeps for 10 seconds then a hang up. When I call the number back they put me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I need copies of statements from when my Slate account with Chase was opened to when it closed as well as a copy of the account agreement pertaining to charging of interest. These documents are for legal purposes. The account is now closed and do not have access to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: TX

Complaint narrative:
Continued calls looking for " XXXX XXXX '' to collect a debt. I have had this phone number for 25 years, and no " XXXX XXXX '' has been at this number in that time. 

After eight calls, I called " XXXX XXXX '' ( XXXX ) XXXX on XX/XX/XXXX. " Miss XXXX '' said that she would remove my number from their calling. I asked for information about " XXXX XXXX '' and she rudely hung up on me. 

After receiving yet another call, I again called " XXXX XXXX '' on XX/XX/XXXX and spoke with " XXXX '' who said that she would remove my number. I asked her if the Attorney General of Texas would be interested in hearing about this case and she rudely hung up on me. 

After receiving another eight calls, on XX/XX/XXXX I called the number on my answering machine ( XXXX ) XXXX which seems to be " XXXX XXXX XXXX '' and spoke to an unidentified representative. I explained that I had been receiving calls for XXXX XXXX, not at this number, and the rep hung up on me mid-sentence. I immediately called back and spoke with " XXXX '' and explained the harassment, and asked her if the Attorney General of Texas would be interested in the case. She sarcastically responded " You mean that we have removed the number from our systems? '' I responded no, that I had been harassed numerous times despite telling them that there is no XXXX XXXX at this number. " XXXX '' hung up on me. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received another three calls. This time the call back number is ( XXXX ) XXXX. I have taken no other action since receiving these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am trying to get the original signed documents from the original creditor for validation that the debt belongs to me as I have no knowledge of the account portfolio recovery says that they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I started a secured card with Capital One with a deposit of {$500.00}. 
On XX/XX/XXXX I paid my balance in full and closed the Capital One account. 
Today it is XX/XX/XXXX and I have not yet received my {$500.00} deposit back. 
I have called Capital One three times, starting XX/XX/XXXX. On this first call I was told to call back again in a week to expedite the return of my deposit. On XX/XX/XXXX I called again and the representative acknowledged that I did have a {$500.00} credit and that the account was closed with XXXX balance. I was told that I would receive my security deposit back on XX/XX/XXXX or XX/XX/XXXX, deposited to my checking account. This did not happen. Today, XX/XX/XXXX I called again and was told by a robot that I had a {$500.00} credit and that I would receive this money in 60 to 90 days. At every contact I get a different story. On this call I asked for 'representative ' and got a human on the line. I explained the above and she told me that I did have a {$500.00} credit on my closed account but I takes two billing cycles to process. I pointed out that I has been two billing cycles but she said it wasn't because the cash I tendered on XX/XX/XXXX was not posted until XX/XX/XXXX. Her promise was I would receive a check in 7 to 10 days. Is this another lie?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Counsel, Inc.
State: TX

Complaint narrative:
I had received a Refund check for my Gap Insurance on my car for XXXX on XX/XX/2018 months later this company sent me a request to refund the money back they said they sent the check by error, how was this by error when I canceled my gap insurance with this company I had sign all the paperwork for the cancellations, I called my lawyer and he sent paperwork requesting proof of the error. So they put this on my credit report, so I disputed it and it came off my report but its still on XXXX  which it shouldnt be so this is the reason why I filing this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not been able to receive a copy of credit report from Equifax since XXXX. Each time I attempted to get my credit report I was told Equifax was NOT able to validate my identity. I have always answered the questions correctly, yet I am denied. I have PDF copies of the questions and my correct answers. I am NOT denied by the other two credit companies. The information Equifax has is incorrect. In XXXX I placed a freeze on the account when I was allowed to do so through emails with links sent directly to me from Equifax. I have my password and username information. I called Equifax today, XX/XX/XXXX, and again was told my identify could not be verified. This predator company is demanding my passport and other information that would prove very damaging to me if released. This company has a history of NOT protecting consumer information. Please help me get a copy of my credit report without sending this company a copy of my passport when the other XXXX  companies have given my a copy without a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX Credit Card is calling me because my boyfriend is late on his payment. I do not even have a XXXX credit card and have no idea how they got my number but they call me every hour. I have told them that it is not my account but they continue to call. The file that I have attached is an example of every day.

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 2019-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I've recently paid a debt owed through the credit collection service Waypoint. After paying the debt in late XXXX, i begin to contact them with hopes of speaking to a supervisor in regards to deleting/removing the collection from my credit history. The cable company the debt was owed to made notes in my file to have the collection deleted once paid ( reference # XXXX ). When calling, I was told each time that a supervisor would be in contact with me within 24 hours. In a 3 week span I've called at least 10 times and have yet received a call back. The last call i made was to a customer service agent named XXXX XXXX, who mentioned her supervisor XXXX XXXX would call me back. I also asked does my file show the other attempts made to speak with a supervisor? She stated yes, however not all attempts. Again, i am being told someone will call me back however no one is documenting my file to show my requests. Please note that this was an outstanding cable bill in collections, and the cable company has documented my file to waypoint showing they have requested it be deleted/removed. Nothing has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I made an online charge with XXXX XXXX for {$36.00} on XX/XX/19 expecting delivery within 2 to 4 weeks. I contacted the vendor after 2 weeks to inquire about the order and was told they were going out of business and the shipping was behind. I waited another 2 weeks and contacted them again. The vendor 's e-mail of XX/XX/19 ( attached ) from XXXX apologized for the long delivery times and stated that if I no longer wanted to wait for the order I could cancel it at any time. 
On XX/XX/19, I wrote an e-mail ( attached ) to XXXX to cancel my order and refund my {$36.00}. I notified Barclays-XXXX that I was disputing the charge since I had not received the merchandise ordered and was cancelling my order. They gave me a provisional credit. 

The same day, XX/XX/19 I received a vendor e-mail from XXXX stating, " We have received your request to cancel, '' which ended my order relationship with the vendor and any financial obligation to them for the {$36.00} and I should have received the credit to my account shortly after that. On XX/XX/19 Barclays charged the {$36.00} back to my account and closed the dispute! On XX/XX/19, I received a notice that Barclays was closing my dispute because they claim it was resolved! I called them and they said I would have to fax them proof that I cancelled my order with XXXX XXXX in order to reopen the dispute. I had to go find a fax machine since I don't have one. 

On XX/XX/19 I faxed Barclays-XXXX a letter explaining my case and sent them copies of all the e-mails between myself and the vendor to prove that I no longer had any obligation to them and cancelled my order. When I checked my account in XXXX I noticed that they still had not credited my account so I called the disputes dept and they told me they AGAIN CLOSED THE DISPUTE because the vendor told them they sent out a package in XXXX! I argued they can not close it because I had NO ORDER with the vendor after I cancelled it and they acknowledged it and I sent them the proof of it in black and white. 
Barclays is NOT acting in their fiduciary capacity towards me their customer and upholding their responsibility to me. I do not expect them to believe a fly by night vendor over their customer, since I had no expectations of a package nor would I accept any package from them after I cancelled my order. 

Thank you, 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 monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of government shutdown. I need more time to pay my bills. I cant afford to make a minimum payment for a few months. 

I need to defer payments for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A bank declined on my requesting of mortgage loan and credit card, because that Equifax has a wrong social security number associated with me. I keep trying to fix this for months. The bureau is not able to fix my issue. Their representatives saying that they are not able to access my file. No matter I called, mailed, emailed. I contacted Equifax for many many times. Please help to fix my identity record at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
First investors recently took over loans for XXXX XXXX XXXX. I received a letter about the merger but no instructions on future payment. I made my payment on the due date to XXXX. First investors started to call me frequently as a debt collector. When I spoke to XXXX XXXX I advised him of my payment and emailed him my bank statement showing every previous payment including the one they where turning to collect as paid. This was XX/XX/XXXX. My XXXX was supposed to process the payment and call me back as soon as he was done. I continued to get collection calls so I called Mr XXXX Back on XX/XX/XXXX to which he seemed caught off gaurd and claimed to have not gotten my statements. At that point I emailed them to him again and he said he had them in hand as was going to escalate it to the proper department. I asked them to stop calling my previous employer trying to collect a debt I did not owe. I called first investors back again on XX/XX/XXXX after paying my XXXX payment to make sure it was credit correctly. At that time my account still shows delinquent. I was advised a email would be sent to the manager in the payment processed department by the name of XXXX XXXX who would be in the next day at XXXX and have all of my information. I checked my loan information today and saw the payments have not reflected on the principal in some months now and that the principal and the interest flipped backward instead of the interest going down. I called them again today XX/XX/XXXX to be told the XXXX XXXX is not in until XXXX XXXX and that the person I spoke to XXXX XXXX would email her again to let her know to contact me. I was told my XXXX payment was due even though I had already paid it and have a receipt and that I could try and call back again if I want to talk to her. I tried calling back again for XXXX XXXX only to leave a voicemail again. I have no idea what is going on with my money I am sending into them or the terms of my loan changing

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.

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 2019-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I bought out my XXXX XXXX XXXX from GM Financial on XX/XX/2019. They collected sales tax from me and they have not remitted the sales tax to XXXX. I contacted them on XX/XX/2019 and XX/XX/2019 and they told me it was my fault and that I have to fix it and pay late fees. Apparently they wrongly paid XXXX the sales tax even though they had my XXXX address updated. I had properly notified them of moving over a year ago and even had to get a notarized power of attorney from them to register the car in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.

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 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/19 Regions Bank Corporate Headquarter To whom it my concerns, My name is XXXX XXXX, I had 3 account with your bank, ( 1 ) Checking XXXX, ( 2 ) Now Card XXXX ), and ( 3 ) Saving XXXX. On XX/XX/19 at XXXX XXXX, I try to Load {$500.00} on to my Now Card ending in ( XXXX ),  while at the XXXX XXXX branch in XXXX XXXX, doing so the ATM shut down without giving me a receipt for the {$500.00} and keeping the Now Card ( XXXX ). At that point I call the XXXX spoke to a XXXX and he suggest I go the near branch, to retrieve my {$500.00}. Which I did, plus calling the bank while in route and spoke to a XXXX at the XXXX XXXX XXXX, she told me once I get there she ( XXXX ) would be able to file a claim. In walking in the bank I met with XXXX and she took my statement and gave copies of everything. XXXX told not to worry because even with a receipt for the {$500.00} the camera and my Now Card would show proof of my deposit. I told her I had XXXX and so change on my Now Card ( XXXX ), since I close this account I need wait until Tuesday for the money for the old card to post to the new Now Card ( XXXX ), here it is XX/XX/19 and my money still have not posted. And, when I tell you I very UPSET about my money. Again on XX/XX/19 I call the XXXX I spoke to several people from that office before being transfer to XXXX who assure me that the bank was working on getting me my money, and to check my account on Thursday, well here it is Thursday and still no money. At XXXX, I call back to the XXXX number and XXXX who advise me to go to the branch where I made the deposit. The point is I had to make all the calls about my money, I feel someone from the branch or the claim department should have call me and at least apologize and let me know what is going on with my money. I am one step away for notifying the Federal Trade Commission about my problem with your bank and my money. There should have at least been given a courteous call if nothing else. 
However, as of XX/XX/19, the is refusing to give me my money bank, stay they need to count the money for XX/XX/19. It has been 2 weeks and all I got is a letter telling my claim has been deny. That is not right. Should I file a police report? Please help me tell me what I need to do. Thanks for all your support.

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