vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This charge account was set up without my knowledge. I have call them and explained the situation but it still remains on my report. Account info:

SYNCB/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Date Updated:  XX/XX/XXXX 
Payment Received: $  XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff: $ XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   >Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX  for $ XXXX <
High Balance: High balance of $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $  XXXX   from   XXXX   XXXX  o  XX/XX/XXXX ; $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to   XXXX   
Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX       XXXX    XX/XX/XXXX  N ot mine and I have never been late. Please have  XXXX  and  XXXX  have this removed ASAP>

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 2017-05-05 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Slate  has multiple categories of charges or how credit is used, such as balance transfers, cash advances, purchases, " checks '', etc. Each category can have a different APR.      Chase applies payments to categories based on their own rules. According to my statement, and confirmed by a CSR, payments are applied as follows : 1. Fees 2. Interest 3. Highest APR  balances to lowest APR balances.     I have  XXXX  concerns.     1. The statement does now show how payments are applied to each of these balances. If there is a payment allocation scheme for different balances then statements should show how payments are applied.      2. On  my account, the stated APR for balance transfers is higher than the APR for purchases ; however, my balance transfer was taken under a 0 % for N months offer. It is unclear, and is not stated anywhere I can find, for the purposes of payment allocation, is the APR for balance transfers vs purchases ( and other categories ) considered to be 0 % under the promotion or the higher APR that otherwise applies.     With these  XXXX  issues, I have no idea if my purchases are paid off before my balance transfer with the possibility of the purchase balance being assessed interest until the balance transfer is fully paid or if the purchase balance is paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with  XXXX  and never received a response.   I calle d Nationwide Recovery Service at (   XXXX   XXXX   XXXX  they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX   XXXX ,2017 :Starting in  XXXX  of 2017 we (my name and my companies name) have been receiving chargeback documents from Chase Paymentech,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a PMA checking and brokerage account with  Wells Fargo  in  XXXX .   I had  XXXX  checking account, a credit card and ATM card at that time.     At some point in  XXXX , inexplicably, a second checking account appeared on my statements. I believe this account was opened as a result of the fraudulent and unauthorized accounts opened by  Wells Fargo em ployees pressured to meet sales goals, which has been addressed in a class-action lawsuit against  Wells Fargo.  I am not part of the class-action case. Mysteriously, the second checking account was removed from my PMA account in  XXXX   XXXX . I had met with a  Wells Fargo empl oyee in  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  to provide more information regarding a fraudulent transaction which took place on  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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: NY

Complaint narrative:
On  XXXX   XXXX ,    2017  at    XXXX   XXXX   XXXX   XXXX  , I  spoke to a Discover representative  XXXX  to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my  credit score. I explained the reason I opened an account with Discover was to improve my credit score,  that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my  credit score  would not be effected. I received my    XXXX  2 017    statement and my  credit score  was affected, it read  XXXX  it was previously  XXXX . I called Discover toda y    XXXX   XXXX  ,  2017  at  XXXX    XXXX    spoke to   XXXX    XXXX  ;  XXXX   XXXX  told her of my previous conversation she transferred me to a representative named  XXXX   XXXX  ;  XXXX   XXXX  I told her of the previous conversation that I had with  XXXX , and the reason I voluntarily suspended my account was to better my  credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score  I then asked if she would give me the name and address of the  C.E.O.  of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON!  I held on f or fifteen  minutes, called back  XXXX   XXXX   XXXX  answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor  XXXX  Id #  XXXX   XXXX    XXXX    told of the conversation with  XXXX  and asked if he would give me the name and address to the corporate department of  Discover  he said I can not, gave me  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a  manager  that I could speak to he said there are several managers I asked can you give me a name he said  XXXX   I asked    may I speak to  him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called  F.D.I.C  who referred me to your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
Had taken out a loan through  Speedy Cash  for payments on the  XXXX  and  XXXX  of every month in amounts of no more than {$39.00}. Informed the representative from  Speedy Cash  on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment  ( s )  on  XXXX / XXXX /  XXXX   after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $  XXXX  {$5.00} on each attempt. On  XXXX / XXXX /  XXXX    Speedy Cash  forced the multiple unauthorized ( date of  XXXX / XXXX /  XXXX   not authorized and verbally informed them on phone no funds in account to take  )  payments of {$110.00} from my  XXXX   XXXX   XXXX  sons  XXXX  which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 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: Grant & Weber
State: CT

Complaint narrative:
I had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Enhanced Acquisitions, LLC
State: IN

Complaint narrative:
MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am an   XXXX   at  XXXX   XXXX   XXXX   XXXX  writing to complain about the debt collection conduct of  Navient  in regards to my client.   My client graduated from  XXXX  with a degree in   XXXX  . She worked steadily for about 10 years when she was laid off in  XXXX  o f 2016. Sin ce then, she has been unemployed and struggling to find a job. My client is now in the process of starting her own business as a  XXXX . To attend  XXXX , she took out private loans with  XXXX   XXXX , which she paid regularly over the course of the time she was employed. Abo ut six mo nths ago, she ran out of money and was forced to stop making payments on her loan if she wanted to have adequate resources to pay for rent and food. Her  XXXX   XXXX  loan, which was transferred to Navient, has a balance of {$3900.00} wit h a 10.5 % inte rest rate.   Since she stopped payments, Navient has been inundating my client with calls, as often as twice a week. In the calls,  Navient  always insists she makes a payment even though my client explains she has no money with which to make it. Callers have accused her of being unwilling to pay and refusing to pay, have asked her personal questions about how she is paying her other bills, and are threatening to sue her. She asked at the beginning of her hardship if she could use a forbearance, and they told her she did n't have any forbearance left. Recently, she got a phone call saying she actually had 12 months forbearance left, and if she pays them {$50.00}, they will count the  last six mon ths she hasnt been paying as forbearance, but then will force her to go back into repayment. This would waste her forbearance and have no effect, as her  credit score  has already dropped precipitously, from about  XXXX  to in the  XXXX  range, due to the consequences of her not having been granted forbearance originally. Since that call, they have continued with the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I have filed a previous complaint about this company. Complaint number :  XXXX  on  XX/XX/2017   . They admitted to purchasing the debt from a company called  XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my  XXXX  credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of  TENNESSE  FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board.  TEN  NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in  direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: WA

Complaint narrative:
The original charge was for ambulance services provided by  XXXX  on  XX/XX/XXXX , taking my father,  XXXX   XXXX , from his   XXXX   XXXX   facility   to a hospital after a   XXXX   XXXX  . The service was incorrectly coded, so  XXXX  denied payment. Therefore, direct payment was arranged with  XXXX  to pay the bill of {$700.00} ), first on 5 recurring payments from  XX/XX/XXXX  of {$63.00} each ( totaling {$310.00} ) and  one  final payment on  XX/XX/XXXX , in the amount of {$380.00}, bringing the total paid to {$700.00}. As a side note,  XXXX   XXXX  passed away  XX/XX/XXXX .     At some point after full payment was made,  XXXX  passed information on this charge to a collections agency (  XXXX   XXXX   XXXX   ,   XXXX  - an affiliate of  Pendrick Capital Partners,  LLC ), who attempted to bill my mother,  XXXX   XXXX  ( who is  XXXX   years old and requ ires my assistance for her financial affairs ), for a total of {$690.00}. I contacted  XXXX  by phone, who stated the account was paid in full, and the collections was a mistake. I contacted   XXXX   by letter, showing proof of payments made. On  XX/XX/XXXX ,  XXXX  replied acknowledging the dispute letter, and stated they had ceased collection of the account pending investigation of dispute. Nothing was ever heard from them again.     In  XX/XX/XXXX , another affiliate of  Pendrick Capital ,  Affiliate Asset Solutions LLC, wro te to my mother demanding payment of {$690.00}, without any acknowledgement of the previous dispute or proof that the payment was not owed. Fascinatingly, they changed the date of service for the ambulance from  XX/XX/XXXX  to  XX/XX/XXXX . No service was provided on  XX/XX/XXXX . They did not acknowledge the patient / consumer,  XXXX   XXXX , had passed away. My response was to send the entire package of proof of payments in full to  XXXX , along with copies of the letters received and sent to  XXXX . I received no acknowledgement of this package.     Yesterday  (  XX/XX/XXXX  ) I re ceived ANOTHER letter from  Affiliate Asset Solutions , this time offering my mother a " discount '' of {$240.00}, demanding a payment of {$450.00}, which was due the date the letter was received in the mail. There is no acknowledgement of the previous disputes, proof, or death of the actual consumer of the original ambulance service. Today I have downloaded your template letter demanding they cease to contact my mother about the debt ; attaching the entire package I keep sending them proving the debt did not ever exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have a consolidated student loan with Navient and have been paying on it for roughly 20 years. The original amount of the loan was {$42000.00}. During the course of repayment of this loan I 've encountered some economic hardships along the way. During those times, the loan was put into deferment. Things are good now, and I 've been making steady payments for the last several years.     To date, I have made payments totaling {$89000.00}.     That 's not a typo. {$89000.00} for a student loan.     It gets worse.     Over the course of the loan during economic hardships and calculating capitalized interest, only {$5800.00} in total has been applied toward the principle. I have the  Navient  generated spreadsheet confirming this.     To pay it all off today would cost an additional {$48000.00}.     My interest payments fluctuate, depending on which day I pay. If I pay on  XX/XX/XXXX , the actual interest I have to pay Navient is more than if I pay on  XX/XX/XXXX  , m eaning less goes toward the principle. Is that legal?     During the aftermath of Hurricane  XXXX  I received unsolicited calls from Navient asking me if I wanted to reduce my monthly payment. I said I sure would, and now I 'm paying {$650.00} per month, and, depending on the day the payment is made ,  $  XXXX  -  {$450.00} goes towards interest. I was never properly advised by the lender that my payments would increase eventually. Navient practices are deceptive and predatory.     I am unsure how to proceed, but anything you can do to bring attention to this matter would be greatly appreciated.      Kindest Regar ds,   XXXX   XXXX    University Class  of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.

Company response to consumer: Closed with explanation