vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 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: U.S. BANCORP
State: TN

Complaint narrative:
I contacted you guys about a card that was lost. I sent in fax with the receipt and ID. They said they were not able to find this card and only the back office can. It's been 5+ days and the back office refuses to call back.

I called in and talked to a manager ( XXXX XXXX ) who was useless. She said just to wait 3-5 days. when I told her it has been 5 days she just acted like there was nothing she could do at this time. Followed up with why, not at this time? She said it was because the office was closed at XXXX XXXX eastern on a Thursday. So I asked if she could follow up on this for me she said she couldn't because of HIPAA. It's hard for me to use the phone due to a medical condition so I asked for reasonable accommodation of having her check on it for me when the back office is open. 
She refuses to be of any help It's bad when your company refuses to help me with a card. let alone refuses to do a reasonable accommodation for a medical condition so I can get access to a card

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 2019-09-12 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
An individual is calling me from the phone number XXXX XXXX XXXX. They ask to speak with " XXXX XXXX '' and would give no information as to who they are. This has been a repeated call. I called the number and it led to Portfolio Recovery Associates. After the second call I called back and a woman, I believe the name was XXXX XXXX answered. She indicated that she could not help me unless I provided " certain financial information ''. 

I have no outstanding debt. In one of the calls she referred to the wrong address and then asked for my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
Fed Loan Servicing added loans to my account for years I did not have a loan. I did not receive ANY loans while attending the University of XXXX from XXXX XXXX. Lastly I started the school at the end of the year which makes them look even more guilty cause XXXX loans would not be possible. Secondly I only used a loan for XXXX XXXX because I used my GI Bill and XXXX  veterans benefits during XXXX. Please make them remove these 2 fraudulent loans from my account. They did this because they thought Trump would pay for them because I am a XXXX veteran. Those 2 probably belong to an employee in XXXX or someone accepting bribes. Please have them remove those fake fraudulent XXXX loans from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synter Resource Group, LLC.
State: FL

Complaint narrative:
Synter Resource Group, LLC is attempting to collect a debt that is not owed. It has been paid to XXXX  directly. They refuse to provide proof and refuse to stop contacting us daily via phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In early XXXX, I sent Capital One an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that Capital One did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
On XX/XX/12 I applied and was rejected due to FCO reporting FALSE information. I contact the supposed creditor and they could NOT validate my information. I emailed FCO over 20 times and have yet to receive a response. I called them with the original creditor on the phone and they also spoke without me on the phone, but yet nothing has been done! These frauds are causing me emotional and financial trauma due to their fraud!

They are also REFUSING to provide me with the information they have.. instead insisting that I send them information.. These fraudsters just want my real info so that they can adjust in their system! how can you have a different social than the original creditor??  THAT'S BLATANT FRAUD

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern Hi my name is XXXX XXXX XXXX XXXX, O traveled to XXXX in XXXX for two weeks and i had several problems with my debit/credit visa card from bank of america. 

A few times i used card and the monitoring transactions from bank of america locked my card a few times causing me public embarrassment and hardships due to not able to pay for what The services i was purchasing. Only after calling bank and put on lengthy holds it would be unlocked. 

After it id be always nervous if card would work or not. 

On the evening of XX/XX/XXXX i was out and went to a few places in XXXX XXXX XXXX where someone that worked at one of the establishments ive been seemed to have used my card for a number of transactions. About 24 of them. 

I received alerts later on that day stating for my surprise that my balance had dropped. I called the bank again and it seemed to be ok. 

On the morning of the 23rd i took my flight back into the United States and on that day I received an email stating i had {$3500.00} witch made me believe Everything was fine. 

I had debit card with me and used for my basic needs once in XXXX, fl. no problems at all untill on the XXXX where it was declined again. 

I called the bank they said my balance was now - {$2500.00}!! 
I checked my online banking and notice the fraudulent transactions 24 of them. Called back the bank and open a claim. 

Claim was then denied on XX/XX/XXXX as the bank claimed the transactions were fine and payment should have happened. 
The Bank said but it wasnt me. 

Claim total is about {$4900.00} Bank said i took too long to file claim. Well i was only aware of it on the XXXX and did it that very day. Transactions happened on the XXXX so that was 7 days. Federal law covers costumers for up to 60 days after fact.

Claim is now reopen after calling and calling and humiliating my self over and over where they say im the responsible that i have to monitor my account this that. They claimed to be monitoring it. They dis put 3 blocks on my card during the trip for very small transactions but they didnt went it was charged for 20 plus times minute after minute for way larger amounts that my spending pattern shows. Not only that my account was then overdrawn to about {$200.00} with returning fees included.

Where is my security where is my protection what do i do now?

Anybody can use this cards. Nobody ids u and no pin number is necessary crooks know it bank of america knows it but ITS MY FAULT ALONE. 

Please help me resolve this matter.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX, Trustee mailed me a letter in which I called XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX in which they could not find or tell me nothing regarding the account of the said Debt of {$2000.00} in which XXXX XXXX XXXX XXXX XXXX has not contacted me in anyway by mail, certified mail or any other contact since 2015 in which there has been no statements mailed or any type of a said bill of {$2000.00} I dispute the bill and have contacted and filed with the US Attorney office regarding this matter of no contact since 2015 by XXXX XXXX XXXX XXXX XXXX of the said debt. There has or been any attempt of contact by Pinnacle Recover nor XXXX XXXX XXXX XXXX in any regards of the said debt in which I dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank
State: TX

Complaint narrative:
On XX/XX/XXXX there is a hard inquiry by ( XXXX XXXX ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXXtx ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX XXXX ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have a bankruptcie on my trans union report I have sent dispute letters from the courts, XXXX XXXX an my self show that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
XXXX and XXXX have contacted me numerous times regarding the past sue balance I have with CheckSmart. I have not been contacted on the phone number I have provided them ( XXXX cell ). In XXXX they contacted me at the main work number ( XXXX ), one of the ladies in the front office ( XXXX  ) answered and when transferring the call to me, she asked if I was in legal trouble because they guy on the phone made it sound like I was in serious trouble. In XXXX ( XX/XX/ ) they called the main number again and got transferred to my desk. I spoke with a man and told him to not contact me at work anymore and I gave him my cell number ( XXXX ). Today I got another call from a man, I asked several times for the address of XXXX and XXXX, he refused to give me the address, instead he told me that he would send a form over verifying my wages because they were going to garnish my wages. I told him to not contact me at work anymore, then hung up. I can NOT receive calls like this at work. It is putting my job in jeopardy. I feel like these are unfair collection practices. They have threatened legal action, refused to stop contacting me at work, and now threaten to garish my wages. They also have never used the mini Miranda when speaking to me, I didn't even know they were debt collectors at first when they were threatening legal action, stating I had two judgements against me. 

Additionally, I have not been provided with any documentation that I owe a debt, after multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Yesterday I received a court summons filed by XXXX XXXX XXXX, XXXX who represents Bank of America in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the nursing home. I had explained also that Bank of America was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX  started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from Patenaude & Felix, A.P.C. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: NJ

Complaint narrative:
Several months ago, I opened a dispute with Barclays for goods not received. I was issued a provisional credit. Without any explanation, I was rebilled for both items six weeks later. I called their disputes team, and they told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. It wasn't. I disputed in writing again for goods not received, this time with proof. Almost a month later, their Disputes Team sent me a letter saying there would be no credit because we were now outside the timeframe that allowed for a dispute. 

This is 100 % Barclay 's fault, but the entire disputes team is so disorganized that I can't seem to get anywhere. Below is a detailed timeline of my communications with Barclays. 

- On Tuesday, XX/XX/2019, I sent Barclay Disputes two separate disputes via fax. The letters stated clearly " This charge was in exchange for goods that were never received. " I received two letters, both dated Friday, XX/XX/2019 confirming that the disputes had been resolved and a provisional credit applied to my account. 

-On Friday, XX/XX/2019, I noticed that both charges had been rebilled. I awaited an explanation in the mail, but one never arrived.Shortly after, I called Barclay 's Disputes to inquire about the rebilling. The customer service representative told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. He left a note on my case explaining that the goods were never received. He promised that the written documentation would arrive in the mail shortly. It never came. He also explained I would have to reopen the dispute in writing, despite the fact that the rebilling was due to Barclay 's mistake. 

- On Tuesday, XX/XX/2019, I mailed a two letters to Barclay 's reopening the dispute and explaining that the rebilling was due to the reason for the dispute being misentered into the system.I did not receive a response until XX/XX/XXXX, at which point Barclays told me that they were now outside the timeframe allowed by Visa and would not seek reimbursement, despite the fact that the missed deadline was due to Barclay 's not properly filing my dispute to begin with.

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus. 

I have been displeased with chase over the last few months thus been funneling money to XXXX  XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase. 

I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere. 

I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I paid my balance for my Citi Aavantage card and closed my account. Later I received an email that I missed a payment. When I called in they said that they was a {$27.00} interest charge plus {$90.00} worth of late fees. I asked if the emailed me or mailed me a notification of my balance and they said the information was on my online account. I was no longer checking my online account because I thought my account was closed. The email that was sent said that I missed a payment and did not have any details about the payment. The company refused to refund more that one late fee of {$39.00} dollars. I paid the bill but want to file a complaint because I believe this was completely unfair.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
Kinum Inc has been phoning this number and using abusive and threatening language. In addition they have severely inflated the amounts claimed. The agent was loud and aggressive threatened to take action if I did not settle the debt now without discussing the matter. I PAID THE AMOUNT TO SETTLE THE DEBT BUT DID NOT RECEIVE A RECEIPT FOR THE AMOUNT PAID.

Company response to consumer: Closed with explanation