vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a Chase Credit Card and made a payment on XX/XX/XXXX using my XXXX account that takes monies from my banking checking account to pay the merchants. I use this service as a security measure. On XX/XX/XXXX I had notified Chase that I had lost my card so that I could request a replacement card. I did receive a replacement card the first part of XXXX. During this time I was not aware that my XX/XX/XXXX payment was not processed as normally I do get a message from XXXX when a check is not processed. I have requested information from them on this to see what they have. I would of thought if my XX/XX/XXXX payment was not received by them I would of been contacted sooner. Today I had tried to answer a call from Chase on my mobile number and now one responded when I answered. I called back later today as I thought this was strange but might have something to do with my account. I was then transferred to customer service where I was notified on being late on the account. I was not pleased with this and then looked on my bank to see if the XX/XX/XXXX payment was cleared and I could not find any record of it clearing my account. In talking with the representatives I was not able to seek any resolution. I do not treat credit lightly as it is very important to my work. I told the representative that I would payoff the account and close it. What I find so frustrating is that I was not trying to get out of not making a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. XXXX XXXX XXXX is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/29 who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Card partial account number XXXX***** - is reporting incorrectly to XXXX ; XXXX and XXXX a 30 day late payment in XXXX, 2019. ( Please see page 3 of the attached credit report. ) I receive monthly paper statements however I did not receive this month 's paper statement in the mail. I live in an art district which is primarily the warehouse district - and the mail consistently gets mixed up because there are so many mail boxes and consequently I did not receive this paper statement so I inadvertently neglected to make this payment. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
IN THE PROCESS OF FIXING MY CREDIT I SAW I HAD A DEBT FROM XXXX WHICH WAS {$550.00}. ON XXXX REACH OUT TO THE COMPANY WHO'S NAME WAS ON THE REPORT WHICH WAS ( CONVERGENT OUTSOURCING ) SPOKE WITH SOMEONE WHO TOLD ME I COULD PAY A SETTLEMENT PRICE OF {$200.00} DOLLARS IN WHICH I DID BY GIVING MY CARD NUMBER OVER THE PHONE. I ASKED WHEN WOULD I RECEIVE A LETTER SAYING I PAID THIS BALANCE AND ALSO A REFLECTION ON MY CREDIT REPORT. I WAS TOLD IT WOULD TAKE 24-74 HOURS TO SHOW ON THERE SYSTEM AND 3-5 BUSINESS DAYS FOR A EMAIL TO COME SHOWING I SETTLED THE DEBT AND MY CREDIT REPORT TO BE UPDATED. I HAVE CALLED SEVERAL TIMES STATING I NEVER RECEIVED A EMAIL AND THE PAYMENT WAS TAKEN OUT MY ACCOUNT AND IM STILL TOLD ITS SHOWING ITS ON THE WAY. ITS XXXX STILL NO EMAIL ITS STILL ON THE WAY AND MY BALANCE STILL SHOWS A BALANCE OF XXXX BUT THEY SAYING ON THERE SYSTEM ITS SHOWS PAID IN FULL.

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 2019-04-25 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: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
It's regarding the 2 derogatory Mark 's on my credit report from a hospital, XXXX XXXX Hospital, or that is where it came from. I was taken there on XX/XX/15 by force and forced to stay without my concent. The rest of the hospital bill was removed after investigating but these were not!!!! Please REMOVE them from my credit bureau because they do NOT belong there!!! I thank you for your help this has been a long and STRESSFUL process to get these remarks removed. PLEASE HELP ME!!!!! 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Va 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 2019-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hello, I've had a car loan with Ally bank for the past few years now, in which I pay $ XXXX monthly towards, from my XXXX XXXX XXXX checking account. 

On XX/XX/2019 Ally bank used my checking & routing information to deduct an unauthorized payment {$1000.00}, and deposited it into another Ally customer 's account. I have no relation whatsoever to the recipient of the funds and Ally bank has done nothing to help resolve this claim. They have refused to correct the blatantly fraudulent charge, have failed to contact the recipient of the funds, and have completely denied responsibility for their error. 

Additionally, after more than 2 months Ally has failed to even explain the nature of the amount and have even blamed me for the error. Ally has the transaction details clearly showing the transfer was not made by me, but is claiming complete ignorance as to why and how it was made. 

My bank- XXXX XXXX XXXX has had to provide me with all of this information, but unfortunately can not move forward with the claim because I have had previous business with the banking entity ( Ally Bank ). 

I'm running out of resources on how to dispute this. Since the amount stolen from my account is well over {$1000.00}. I am need of this funds as soon as possible. 

I need your help with this please. 

Ally confirmation of Payment # : XXXX Much appreciated, XXXX XXXX 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 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: CA

Complaint narrative:
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX   XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
Since the opening of our USAA account, they have continuously posted transactions accordingly to the account. The account would reflect the transactions within the business day, displaying the proper available balance. Then, our transactions would disappear for a whole business day, reflecting that amount of money back into our account. We would then spend the money USAA told us was available. The next day the previous transactions appear along with our new transactions, reflecting a now overdrafted balance. I believe they use a computer algorithm to do this on purpose to those with continuously low account balances in the hopes of charging us overdraft fees. 

For example, recently on the XXXX of XXXX, we made XXXX separate purchases of {$14.00} to the XXXX XXXX XXXX via XXXX and the official website. These transactions posted to the account and reflected in our available balance on that day. Yesterday, ( XX/XX/2019, a whole week after the payment posted ) I checked my account balance and saw I had {$30.00} available. I looked through my purchases thinking there might be some mistake, but didn't see anything amiss ( though thinking back, I didn't see those XXXX specific purchases listed. ) I spent the {$30.00} yesterday. Today, I awoke to see that my balance is overdrafted and suddenly the XXXX purchases are listed as having been Authorized and Posted yesterday, XX/XX/2019! Yet I have been using my subscription this whole time and was never made aware of any problem with my transaction. 

This is predatory banking practice and highly unprofessional! We entrust our money to a bank with the expectation that our transactions go through in a timely manner and that our accounts are balanced properly. In having a Visa Debit card with USAA, it is inherently understood that I should not need to balance my own account with pen and paper as I would have to with a check. I will not pay another overdraft fee because of their mismanagement of my account and I expect that they be the ones who are fined accordingly for preying on low income families ( and MILITARY FAMILIES at that! ) Yes, in some degree this is my fault for trusting the available balance listed and not expecting to be yet again cheated by their predatory algorithm. One should be conscious of how much money they have to spend regardless of what their bank tells them. It seems almost too absurd that a bank would do this to a customer and yet, here it is!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am receiving automated calls several times a day, caller ID indicates Navient or XXXX XXXX XXXX. If the phone is not answered they leave a message stating this is XXXX XXXX XXXX, if this is Ms XXXX, the law requires us to notify you this is an attempt to collect a debt and information obtained will be used for that purpose. 

The caller ID is XXXX, XXXX, XXXX repeating several times a day. Since its the same message if I hang up without listing to it, it will call back repeating the same daily fashion. 

I believe I am due damages I have called asked them to stop, they resume calling the next week. This time it is MS XXXX, last time 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 explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Disputing the willingness to take some of the responsibility of damaging my credibility on misleading information. Had I been told you were reporting my payments as being late all could have been avoided. As a consumer reached out on several occasions to keep in good character with the company and issues still not resolved. Haven't been able to log on to my mobile account in almost 9 months call customer service to know resolve. Told by representatives credit report sent to credit bureau last day of month totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BB&T CORPORATION
State: WA

Complaint narrative:
I am at time and are still a struggling poverty /meets requirements and overqualification due to, income and social atmosphere and other sites reality wise also known as clock coordinated when most earmarks of attn. or fax copy right /pilgrism/ or theft ... infringement, inappropriate in some if, the company receives info. competing / other unsafe practices have been happening and version of companies oversees having tech giants with a 7 window startup, than the lesser more legal by every standard and poor credit 3 to 5 credit safe way a urban complaint regarding construction and a XXXX company small business that was damaged when I wasn't working leaving, those who trusted me still do hoping / trusting in a complaint to or about first XXXX /XXXX XXXX / XXXX XXXX XXXX and employees who treated I have mentioned this to police, XXXX XXXX XXXX etc. threats for me to end with XXXX treatment over XXXX XXXX XXXXXXXX and im sadly not shocked, im not a know everyone type of someone.

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 2019-04-25 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: FL

Complaint narrative:
Multiple names and addresses are reporting on my credit report. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a medical debt in the amount of {$62.00} that was paid by my insurance provider. XXXX XXXX purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Their number is XXXX. Harvest Associates Inc is reporting that this alleged debt has been delinquent since XXXX. That is not true as XXXX is the date that we were serviced. I spoke with XXXX at XXXX on XX/XX/XXXX who stated that she could see that something happened to my son 's arm and demanded that I pay the debt. My son is a minor and she should not be able to just spread that information regarding what he was seen for. Her supervisor XXXX XXXX. He will not return my emails. The information that XXXX blurted out is a HIPAA violation. Further, XXXX XXXX began collection only 120 days after the bill was paid by my insurance provider. This is a violation of the NCAP settlement agreement. Per the NCAP policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. Attempting to collect additional money on this claim is a violation of the FDCPA. XXXX XXXX keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX are located at XXXX XXXX XXXX XXXX, TX XXXX. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX  Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks

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 2019-04-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
In 2018, XXXX XXXX  called my work phone number about a debt I shouldnt have to be paying anyway. I told them not to call me at work and that I was working on resolving the debt with the University XXXX XXXX. Today, they called other branches of my work to try to reach me, which is both unprofessional and embarrassing, especially when I have a direct line and I told them not to call me at the direct line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Amcol Systems continues to report a medical debt in the amount of {$170.00} that was paid by my insurance provider on XX/XX/16. Amcol Systems purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Further, Amcol Systems began collection only 150 days after the bill was paid by my insurance provider. This is a violation of the XXXX settlement agreement. Per the XXXX policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. There were a few coding issues that resulted in re- billing on this claim. This claim was paid in full by XX/XX/16. Attempting to collect additional money on this claim is a violation of the FDCPA. Amcol keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation