vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX stayed at extended stay hotel for 1 night. Went with girlfriend I had buisness so slept then went to first job the went to second for rest of night. Checked in around XXXX XXXX  left around XXXX XXXX  never came back. Girlfriend stayed allegedly had party cops were called. The next day I get text from bank on XX/XX/XXXX that XXXX was deducted from account it was the hotel saying that a whole was in the wall and somebody smoked in the room so I call hotel manager was very disrespectful just said there was damage and I said from what he said you know and belittled me hung up on me tried to call again he hung up tried to call corporate after over an hour on hold I gave up contacting them. Didnt get receipt until XXXX from motel. Told bank to stop payment on charge filed complaint got denied learned that the charge was credit since I didnt furnish pin so ask for chargeback bank is now dragging there feet. Wont give me credit until investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Checked account per XXXX found charges to acct I nor my mother mad.Called Fraud spoke to XXXX disputed charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told the purchased by debit card ending in XXXX, which was not true. My mother is XXXX and never uses her card.Claim was established. XXXX spoke to me as if I am responsible.I was told it would be investigated.I was told all charges were reversed, they were not reversed.I was told my mother 's card was canceled. 
XXXX XXXX I called fraud and spoke to XXXX in XXXX, who was not accomodating. She sounded sleep even intoxicated during call.I informed her I called day before about a claim she responds we are not talking about that.I told her I saw a new charge that was not mine for XXXX XXXX XXXX XXXX She stated she saw a charge for XXXX for XXXX that failed to go through. explained i do not have insurance with XXXX.She stated charge was from debit card ending n XXXX, i was told it was from card ending in XXXX. XXXX kept slurring her speech and kept saying i cant hear you, finally I asked to speak to someone who was no t sleep. then she all of sudden she can hear me and says lets get this claim done. She refused to let me speak to someone else, put me on hold and came back and hunf up on me. 
XXXX XXXX ; XXXX I called fraud dept spoke to XXXX in XXXX  who reviewed notes written dont know what notes said. I explained situation. I have access to no funds. All charges were not reversed per what I was told.Iexplained I need funds that i take care of my mother. She gave me a credit of XXXX that I for XXXX only. I was told all funds would be put back.Investigation and claim filed. 
XXXX XXXX I went to BOA branch. explained situation again. I was issued temp card. I was told I should get money back in 48 hours. i went outside bank and got the funds that where only credited to me for that day. 
XXXX XXXX I check my account is now negative XXXX still showing XXXX XXXX   XXXX XXXX XXXX overdraft fee XXXX overdrafr fee XXXX XXXX XXXX XXXX XXXX bank Now they are charging nsf charges my mother has a deposit.that will go in bank next wed. They are trying to take her money. No One wants to hep me. I am getting the runaround. i was told since people claim charges are not theirs on purpose. It makes it bad for me. This Bank is known for taking people 's money. 
Bank Of America is operating unfairly. I have acess to no funds and at the rate they are going my mother 's VA check will be gone as well as what they have taken and is still taking from us. Please help

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 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX, has been charging late fees before posting payments to my Wal Mart, JCPenney, and XXXX XXXX cards. This resulted in a negative effect on my balance, never being paid below the credit limit. Even if a payment was a day late they would charge me a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a few charge offs on my credit report so I settled and agreed to pay in full settlement amount. After the the agency took my money they never reported it as settled for less then full amount and paid. They only deducted what I owed. I called over and over again .sent many letters and disputed with equifax .XXXX and XXXX. They havent updated as settled and paid, still shows remains balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: FL

Complaint narrative:
The collector maintains I owe a debt of {$270.00} from XX/XX/2015 for XXXX XXXX XXXX  I incurred no such debt then or in the previous year to the best of my knowldge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Every time I deposit my payroll check they put a hold on my funds. Last time the put a hold of 4 days on a payroll check that I deposit twice a month the same amount. I stopped depositing the check and had to go to the other bank to cash my check with a teller and then deposit the cash in my bank. This week J tried it again and after putting the funds available I noticed they put a partial hold after the had already cleared all the funds..

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 2018-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company XXXX XXXX mailed me a letter on XX/XX/XXXX. This letter stated I owed money to a certain credit card company. When I recieved their letter, I instantly reached out to them on XX/XX/XXXX at XXXX to find out what this debt was in regards to. They told me this debt was a credit card that was opened on XX/XX/XXXX. They told me the card was closed XX/XX/XXXX for non payment and charged off. I reached out to the credit card company and they sent me a letter on XX/XX/XXXX that stated they have reported my account accurately with the credit reporting agencies and that my accounts on file with them were closed, paid in full, and in good standings. I called XXXX XXXX and told them what I was told with the reps name and contact info. XXXX XXXX had no explenation for me and couldnt assist me. I called back on XX/XX/XXXX at XXXX and had to leave a voicemail with no returned call. So In return I sent them a certified letter which was signed and recieved by them asking them to provide me proof within 30 days that this was my debt and what exactly it was for, how they calculated what they say I owe, provide me with a copy of the judgment, show me they are licensed to collect in the state I live in, and provide me with their license number. All future communication with me must be sent via mail. They never responded to me or tried to reach out to me. Four years later they serve me with a notice to revive judgement. How can a company keep reentering judgements agaist someone when they cant even provide the requested documentation to show proof of the debt. Why as a consumer would I pay for a debt that I know isnt mine!? When I XXXX this company their is nothing but corrupt comments about how terrible they are and how they practice illegally and that they have been sued by other consumers fro fraudulent actions on their behalf. I will be hiring a lawyer to help protect me against these crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
Lease agreement terms 100 % fulfilled. 30 Day notice given. Never late on payments. Left with XXXX balance. All payments submitted in full. Also cosign DECEASED.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello - I applied for a XXXX XXXX Chase CC last week - yesterday XX/XX/XXXX I received a letter in the mail with a Chase letterhead - it said to call XXXX to " verify the application. '' I called the phone # and they wanted my personal information. I told the rep I was not comfortable giving my personal information over the phone. She then rudely told me " Who else would send you this letter? '' I again stated that I could not be sure this was actually Chase and I did not feel comfortable giving out personal information to her. She said " Well what do you want to do then? '' I told her I was not giving her my information and she did not need to be unprofessional to me and therefore I would cancel my account. She then hung up on me. I have a Chase XXXX   VISA and got that out and called that # on the back and spoke to a rep and told her what  transpired. She said she could not verify that the # I called was actually a Chase phone #. She then transferred me to someone else and I was told I was approved for the XXXX Chase CC. I told them my experience and asked about the miles promotion I received - they couldn't verify the information. I called back later to ask about the promotion and the customer service and that person said they couldn't help me with my complaint and when I said I was cancelling they told me that was OK. I am disappointed in the service I have received and I have paid my bill in full each month for years with my XXXX Chase VISA so because they don't make enough money off of me they can treat me with disrespect and feel comfortable with a rep hanging up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 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: FL

Complaint narrative:
This credit card account was agreed to be settled and pain in full as a settlement. Instead the company took the money and only deducted it from the balance. It should show XXXX balance but comments should be reported as settled and paid in full for less. Then deleted from report as a pay and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
This account was fraudulently used. The balance on my XXXXs report is incorrect. Please clear this matter up ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXXI was checking my account and discovered that my account had been compromised.I reported to USAA Bank and investigation. 

They concluded that it was not fraudulent transactions. The card being used was a XXXX card in my Daughter 's name. Her name is XXXX XXXX and that is the name of the card. 

They also stated that you open an account in her name in USAA. That XXXX account was like 5 years ago once she became an adult she was responsible for that account. My daughter is XXXX years born XX/XX/XXXX. That was told to me by USAA bank. 

During that time she did not have access to my checking account or I gave her my checking account information. I did not open up a XXXX card for her or had this card connected to my checking account at any given time. 

USAA did not give me any factual documents or proof that I gave or consented to these transactions. They said that I had to dispute them and this was not fraudulent claim. I disputed them and they reach the same conclusion. 

I have not spoken to my daughter since XX/XX/2017 we do not have a relationship due to her behavior problems and issues with her life. 

I did file a report with the XXXX County Sheriff department in XXXX, NC and NO ONE! has contacted me regarding this matter. I was told by USAA total transactions was a 109. Four transactions were over {$10000.00}. I believe total taken was between 10 and 20 thousand over a 4 month period. They took out {$9000.00} in an instance and USAA did not ALERT ME! 

on my bank statements it just says XXXX E-PAYMENT and the amount and shows my daughter name. Does not show what store or items purchased.I honestly believe that my Daughter is Responsible for this with her history. 

USAA has not told me is it her that is using the card? Did someone steal the card and using her information may be one of her friends? Since the bank statement does not say City and Location and did not provide me with purchases that was made and what vendors or stores so I must explore all possibilities. 

USAA response in my denial letters is that they have documents or proof that I authorized these transactions. They have not showed to me or presented any factual documents. I still repeat and stated I DID NOT AUTHORIZE ANYONE TO STEAL OR MAKE TRANSACTIONS FROM ACCOUNT USING A XXXX CARD. I DID NOT GIVE MY CHECKING ACCOUNT INFORMATION TO MY DAUGHTER TO MAKE PURCHASES FROM IT! 

My daughter is not on any signature card with my bank account is not an authorized user on any bank account I have ever had and ever will. The only way my daughter received my information she STOLE or FORGE my name!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
World Omni financial Corp transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX Chase credit card changed the interest rate on my credit card from 10 % to 15 % in XXXX, I did not approve this change, they did not make clear that this was one of the changes ( unless it was buried in microtype ) When I called to ask and was told about this I canceled my card. Called back to have any rewards accrued added to my account. They wanted to send me a text to verify who I was, I told them ( because I have a flip phone ) I would need to hang up to get any texts. They sent me to security who approved me, sent me back and still they wouldn't access my account. I tried this several times over a 50 min period, even had security stay on the phone so they could speak to their assoc. and still they couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Liquidation Services Inc.
State: MN

Complaint narrative:
By pressing the correct number on my phone, I indicated the party they are trying to reach does not live here.

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 2018-07-04 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

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 2018-07-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of XXXX XXXX   XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief