vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: MD

Complaint narrative:
My problem is with XXXX, they claim they verified a false debt. I am also filing a complaint against the collection agency ( Complete Credit Solution of XXXX TX ). I have no information about the loan at all from something called XXXX, I have no account number, documents or anything. The amount listed with XXXX  is {$1500.00}, but I have never received any documentation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hard inquiries on my credit report with both Transunion and XXXX  were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit 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 2018-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
During the last 3 years, navient has been charging me close to XXXX dollars a month. My current income is XXXX a year. I have been on the phone with them several times over the years so come up with a lower monthly payment plan. They claimed I can not do that. They also claimed that Ive been in forbearance twice for deferred payments. Even though Ive been on auto pay since 2015. They provide no help for economic hardship and claim Forbearance is my only option ( which I have to pay for just to get it ). My bank accounts have no proof of deferred payment activity or forbearance. But apparently On their side there is. Im extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/2018 : Purchased Goods from XXXX XXXX XXXX, {$390.00} ( XXXX XXXX  ). 
XX/XX/2018 : Returned Goods to XXXX XXXX XXXX via XXXX XXXX, tracking numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Opened Dispute with Card Issuer ( Wells Fargo ) for the aforementioned transaction after my return has been processed/confirmed, but the refund has been denied. Dispute Opened for {$390.00} ( XXXX XXXX ). 
XX/XX/2018 : Verbally Notified by Card Issuer ( Wells Fargo ) that the aforementioned dispute has been closed due to an error on their end with the tracking information. Verbally Notified to open a second chargeback via XXXX since Wells Fargo could not fix their mistake. Contacted XXXX to open a second chargeback, provided tracking information. Claim Numbers collected/saved and can be shared upon request. 
XX/XX/2018 : Verbally/In-Writing Notified by XXXX, Wells Fargo has closed the claim in my favor, contact Wells Fargo for a timeline of when my funds will be back into my account. Called Wells Fargo, had no trail of this decision from their end and hung up on me. Continued Calling, same negative response, after contradicting information from the other party. 
XX/XX/2018 : Called Wells Fargo, again. Unable to explain what happened, unable to come up with a solution, unable to inform me with alternative solutions to this occurrence, hung up again. Called XXXX, unable to assist as their hands were tied and the final step of the claim ( my funds being released ) were up to them.

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 2018-11-27 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that " This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. 
I have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hard inquiries on my credit report with both XXXX and Equifax were not authorized dated XX/XX/18. I have NO accounts with these financial companies. I did recently take out a loan with XXXX XXXX, XXXX, CA and did approve of that inquiry. I'm asking that these inquiries be removed from my reports. These have had a major negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Your case ID is : XXXX My name is XXXX XXXX and my account has been limited with {$430.00}. I was advised money held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I tried withdrawing funds and it wouldn't allow the transfer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid 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 2018-11-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid 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 non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Your case ID is : XXXX My name is XXXX XXXX and my account was limited with {$420.00} I was advised Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I also called customer service for assistance. I tried withdrawing funds and it would not allow funds to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
I received an email on XX/XX/2018 that my mailing address had been changed. I had not changed the address so I contacted Capital One where they informed me that a fraud alert had been placed on my card so a new card and number were issued and then the mailing address was changed so the new card would be sent to whoever was pretending to be me. Capital One handled this very well and changed everything back and put a fraud alert out for me with the credit bureaus. On XX/XX/2018 I received another email stating the same thing as before. The same person at the same mailing address had done the same thing that they had done on the XXXX. At this point Capital One put a restriction on my account so that they would have to contact me by phone before any changes could be made to my account. I was satisfied with this until XX/XX/2018 when I received a third email stating the same as the first two. A new card had been issued and the mailing address had been changed a third time and no one had tried to contact me as they said they would. When I called to change my information and report the problem I was told that because of the restriction I would need to submit several documents and it might take up to 72 hours before they could handle my requests, but they had obviously let someone else make the changes to my account with the restrictions in place. I was never able to make the changes to my account and canceled the entire account out of frustration. I also had to forfeit {$250.00} worth of rewards when I canceled because I had to have the restrictions lifted in order to use the points and I was not willing to let an identity thief have a card on my account for 72 hours while they approved my documents. I am extremely angry that I could not do anything with my account without all the documents they wanted, but they had obviously let an Identity Thief do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$450.00}. 
I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money.I have not received any emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that REGIONS BK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$420.00} I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money. I haven't received any emails. I tried withdrawing funds and it will not allow it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: AL

Complaint narrative:
I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/2018, I spoke with an XXXX XXXX representative to set a Promise To Pay starting on XX/XX/2018 for the amount of {$50.00}. The agent agreed and stated the the arrangement would extend through XXXX but will go back to the original agreement in XXXX. 

On XXXX XXXX I paid the agreed upon {$50.00}. I began receiving harassing collection calls including robo-calls at least 4 times per day. On XX/XX/2018 I called XXXX XXXX and asked that the calls stop. The representative was extremely rude and stated that if I were placed on the " Do not call list '' my bank account would be automatically debited for the outstanding amounts. I stated that I have not authorized XXXX XXXX to automatically retrieve funds either by direct debit or ACH transfer and that I am revoking any access to said bank account. On XX/XX/2018 I paid {$100.00} towards my loan. On XX/XX/2018, XXXX XXXX made an unauthorized debit from my bank account in the amount of {$120.00}. 

On XX/XX/2018, I called XXXX XXXX and the representative stated that she can verify that I had an active " Promise to pay '' that had not been broken and that I had asked to be placed on the " Do not call '' list and that I had " Revoked '' any access to my bank account. I was placed on a repeated hold so that she could reach out to the correct agent as she was not in the department that could resolve the issue. 

Because she was unable to reach the correct department, she stated that I would receive a call back. I never received a call. On XX/XX/2018. I once again reached out to XXXX XXXX but once again received the run-around and no one will return my calls. On XX/XX/2018, I was notified by my bank that XXXX XXXX made another attempt to debit my account this time in the amount of {$140.00} but was refused due to insufficient funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reopen XXXX. Chase has not released any funds based on past written correspondence. Chase is in violation of DEED OF TRUST. Chase has provided zero guidance as to the terms of how the funds to make repair are to be released as requested by 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Debt appeared in my Credit Report and it is not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have opened the citi checking/saving account on XX/XX/2018 but approved after XX/XX/2018 -- see the email proof I have received from citi. There was a promotion {$400.00} cash bonus after Maintain a  minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.Get {$400.00} deposited to your account! I opened on XXXX XX/XX/2018 but I have received email on XX/XX/2018 saying that my account is active. I start deposited the checks total {$15000.00} before XX/XX/2018. The citi denied {$400.00} promotion because there saying I didn't deposit within 30 days. I did deposit before 30 days. The citi is counting days when I applied account online not my from when account is approved.There are saying I opened account on XX/XX/2018 but I couldn't use the account till XX/XX/2018. 

Email proof when account is active. 

Dear XXXX XXXX, on Tue, XXXX XXXX, XXXX XXXX Congratulations! You are on your way to becoming a new Citibank account holder. There are, however, a few more steps to complete before you can start using your account. 

Important : Click here for the additional steps required to activate your new account. The sooner you complete these requirements, the sooner you'll be able to take advantage of all the benefits of your Citibank relationship, so please respond today. 

We look forward to welcoming you as a new customer of Citibank. We are committed to the quality of our products and services and look forward to providing you the best service possible! 

Sincerely, New Account Opening

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