vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have scheduled a payment to be made from my account on XX/XX/XXXX, but Portfolio Recovery continues to call me about collecting this payment. They use various numbers when calling : XXXX, XXXX, and XXXX in addition to the one I listed previously. 

I have a letter from this company stating the payment will go through XX/XX/XXXX, but they apparently don't relay that information to other departments. I am tired of these calls, and no longer answer when they call. These calls came on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Ive recently went to two dealerships to obtain an auto loan. 

Both places ran my credit through a total of 20-23 companies/hard inquiries. 

Transunion and their XXXX Score ( they developed ) are treating every inquiry as a separate one ; not as one inquiry within the 30 day reporting period. 

Additionally, I called Tu and they told me well other things are your report caused this when in fact, thats not possible. Two negative accounts were actually removed from my account in this same period. Not one other reporting agency, whether FICO of XXXX, has counted each of these inquiries individually. 

My score. My XXXX XXXX TRANSUNION score dropped XXXX points in a day! Ha! They docked me 5 points per inquiry instead of just ONE. 

If this affects my ability to get credit I intend to sue Transunion and any agency or third party in charge of oversight and compliance of Transunion. This needs to be fixed at once.

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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Every month Credit Acceptance Finance company is reporting to all 3 of my credit reports as if I'm late in making a car payment. The account with Credit Acceptance has been closed since XX/XX/2017, the month and year that they picked up there vehicle. How can they still be reporting to all 3 credit bureaus like the account is still active? They've had there car back since XX/XX/2017 and they still reporting as if I still have the car and I'm making late payments, that info is incorrect reporting to my credit for almost 2 years now.

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 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have banking relationship with Bank of America since XXXX. On XX/XX/XXXX I checked my checking account online and noted a forged check in amount of {$2600.00} cleared from my account. I immediately contacted my bank and transferred to Check Fraud department and filed a claim. They explained that this may take up to 90 business days to resolve. I called next day and froze my checking account. Same day I received an email with a form to be filled and notarized which I sent back on XX/XX/XXXX via my bank branch in XXXX XXXX. The check fraud department is closed on weekends and nobody could release my existing funds till Monday after. In last 2 weeks I have contacted check fraud department multiple times and found out that the check was negotiated by XXXX XXXX. My bank says since this is involving XXXX XXXX we need to wait for their investigation as well as Bank of America investigation. My bank knowing this was completely a fraud couldn't credit me the funds as they say they need to wait for XXXX XXXX to pay them first and then they can return the funds to me. No contact from the investigators from any of the banks. Just saying we are sorry.

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 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... 

On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. 

Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I was solicited by HSBC Bank for its credit card from XXXX to XXXX XXXX.  Each time they offer XXXX rewards after spending XXXX  in the first 3 months.  I applied one in XXXX and got a HSBC MasterCard before XXXX XXXX.  I spent more than XXXX on it in the first 3 months.  When I asked HSBC for my rewards in XXXX XXXX, I was told to wait for a few weeks.  Same thing happened when I asked again in May.  Then I told them in XXXX  XXXX that it's more than a few weeks, the HSBC rep told me that I needed to spend XXXX XXXXn order to get the XXXX rewards.  I said their offer only asked for spending XXXX.  The rep insisted it was XXXX and I was disqualified.  HSBC moved the goal pole from their soliciting offer (from XXXX to XXXX).  This is a clear case of bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: TX

Complaint narrative:
I contacted Equifax and try open up a dispute on few accounts that are not mines and I marked them as fraud and send in some documents to them few times for three frauldent accounts which are XXXX XXXX   AND ANOTHER XXXX XXXX AND LASTLY XXXX XXXX XXXX XXXX XXXX ... XXXX I didn't apply for these accounts and Equifax keep disconnecting my phone calls each time I call and I have to call again and be on hold between 20-45 mins each time and this is getting frustrating and I don't have no patience at all and I have things to do with my life ... XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
During the summer months, I experience a decline income due to my employment. Therefore, I request a one month payment extension with my Auto Loan Company, Chase. For the past almost fours years, my request for payment extension is granted. I have never been delinquent with my auto loan payment. However, On XX/XX/2019 my request for a one month payment extension was denied this year. I explained my situation to representative and the supervisor with no avail. After a lengthy discussion and waiting, I was informed the reason for the decline as it is not " contractual ''. This reason for denial baffled me and therefore I emailed the office of XXXX XXXX Executive Director, Communications, JPMorgan Chase & Co. A representative contacted me and stated Chase will follow-up. About week later a representative of XXXX XXXX XXXX XXXX office called. The representative shared her role was help resolve the matter. The representative via conference call contacted the department handing my request. After, reviewing my information my request was still denied based on " policy changes ''. I requested an explanation and representative stated a letter will be mailed with explanation. I have received XXXX letters the reason for denial was not " policy changes ''. I would like CFPB help in exploring the denial of my payment extension request especially since I have been clear reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On Saturday XXXX XXXX I Applied For A Personal Loan From Discover Bank. Upon Completion Of Application I was denied Credit Because of insufficent Income. I Called the bank and talked to XXXX. XXXX advised me theres Nothing He Can do But send it to headquarters. XXXX also stated i should Take Further action. I Also Made It Clear to XXXX from discover that i am currently on XXXX ( Social Security XXXX Survivors ) Goverment Assistance and by the Eoca It is illegal For a Company To Deny a application of any sorts based on income if from a Goverment program Or SSA. and am requesting since that was the only reason stated at time of denial. I Be approved For the loan and treated rightfully by discover bank and Remidate the situation by approving me for tge loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was contacted by Capital One stating they were " restricting '' my account due to " suspicious activity ''. I was told to call a number and when I did it was just a voicemail which stated to leave a message and they would call back. I've left several messages with no return calls or emails. My paycheck was deposited this week and the bank said they would close my account and send a check within the next two weeks unless I paid {$20.00} to expedite the check ( which I told them to take from the funds of mine that they have ). I'm going on day 3 when I should have received my " expedited '' check and my accounts haven't even been closed. They have been no help whatsoever. I've been hung up on, brushed off and talked down to. They are holding my funds and I'm not even sure why! They team that is doing this won't get on the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CO

Complaint narrative:
I contacted Discover several times over the last 3 years via phone, chat, and email to investigate identity theft that happened. They have yet to accurately complete an investigation, have never gave me temporary credits previously, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UN-authorized cards to addresses that I have never lived at, and to people that I do not know. The fraud continued to happened and led to over {$10000.00} ( and possibly up to {$50000.00} ) worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. The following charges in early 2017 should be investigated as they were not authorized. In addition all charges for unauthorized cards should be removed. 

XX/XX/17 XXXX XXXX XXXX XXXX  XXXX CO {$27.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$9.00} XX/XX/ XXXX XXXX CA {$100.00} XX/XX/ XXXX XXXX CA {$27.00} XX/XX/ XXXX XXXX CA {$51.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$12.00} XX/XX/17 XXXX XXXX XXXX CA {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00}XX/XX/XXXXXXXX  XXXX CA {$87.00}XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CO {$30.00} XX/XX/ XXXX XXXX CA {$63.00} XX/XX/ XXXX XXXX XXXX XXXX XXXX CO {$35.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$53.00}XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$11.00}XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX CO {$5.00} XX/XX/ XXXX XXXX XXXX  # XXXX XXXX XXXX CO {$25.00}XX/XX/XXXX XXXXXXXX   XXXX CA {$130.00}XX/XX/XXXX XXXX XXXX XXXX NY {$48.00} XX/XX/ XXXX XXXX   XXXX {$110.00} XX/XX/XXXXXXXX   XXXX CA {$60.00} XX/XX/ XXXX XXXX XXXX XXXX CA {$60.00} Up to today Discover has not provide any findings for any of my requests for investigations into fraud. Discover has not provided any evidence that these are legitimate charges. Discover has knowingly sent my credit cards to incorrect addresses to a known fraud user. Discover has provided no monetary response to the financial hardship they have put me through. Discover has falsified or removed their documentation to cover the lack of action. 
I have seen that my current balance is negative. There are no details but a generic balance transfer amount to possibly cover all the fraud charges. However they are not allowing me to close the account and take this money that is owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NC

Complaint narrative:
I was billed an annual fee of {$55.00} on XX/XX/2019. I emailed customer support on XX/XX/XXXX to close my account ending in XXXX. 

On XX/XX/XXXX, I received an email back stating that the account was closed. 

XXXX EMAIL TRANSCRIPT - XX/XX/XXXX from XXXX XXXX XXXX XXXX " Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your FlexPerks ( r ) Business Visa ( r ) account ending in XXXX. 

We have completed your request to close your account. If you have any pre-authorized charges billed to this account, it is your responsibility to cancel these charges. Pre-authorized charges may include, but are not limited to, recurring transactions from merchants such as XXXX XXXX, XXXX, and insurance or internet providers. If the charges are not cancelled, they may continue to be accepted and billed to this account. 

Your account will remain accessible online as long as an account balance remains and will continue to show online for two additional billing periods once the account balance is at zero. After that time, we will automatically remove the account from Online Banking. 


Please contact us again if we can be of further assistance. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX '' XXXX END EMAIL TRANSCRIPT ==== As of XX/XX/XXXX, the account was not closed, and the fee was not refunded. Additionally, a late fee was assessed, including interest. I called in on XX/XX/XXXX to confirm that the card was in fact, not closed, as I was told by customer support. The Annual fee was not refunded as well. XXXX XXXX 's own terms and conditions state the annual fee will be refunded if the account is closed within 30 days of the annual fee posting. 

Summary : The XXXX XXXX representative lied, and said the account was closed. The account was not closed, and the delay caused fees/interest to accrue, as well as lost eligibility for an annual fee refund.

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 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX is attempting to post on experian as a bad debt.i have docu, ents that show paid removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I C. SYSTEM ONCE AGAIN VIOLATED THE FCRA FDCPA, T.C.P.A. BY FAILING TO VALIDATE SAID DEBT AND WENT ON MY CREDIT REPORTS ANYWAY CALLED MY FAMILY MEMBERS 17 TIMES ( 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 2019-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
In XX/XX/2019 I applied for a online loan and this company that told me to purchase gift cards and I would have the loan in my account the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was in an accident and sought medical care. My insurance company, XXXX was informed of the incident soon thereafter. I received a letter dated XX/XX/XXXX ( attached ) from XXXX stating that they were unable to pay the medical bill due to " untimely submission ''. 

On XX/XX/XXXX, the Collection Information Bureau , Inc., a debt collection agency, sent me a letter ( attached ) stating that I was reponsible for the amount of {$230.00} owed to XXXX XXXX XXXX. I responded to that letter on XX/XX/XXXX via a letter ( attached ) disputing the claim that I owed any debt as it was my belief that it had been paid by XXXX. Despite that, I received another letter ( attached ) from Collection Information Bureau , Inc. confirming receipt of the aforementioned letter and again asking me to pay the amount of {$230.00}. 

I feel that this is constant harrassment for an alleged debt that I do not owe, and the Collection Information Bureau , Inc should contact XXXX and stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Inquiry from XX/XX/2019 amounts N/A I don't recognize this inquiry and I tired contacting Syncb ( XXXX XXXX XXXX/XXXX/XXXX XXXX ) but all i got was a run -around from them. I just want them to removed from my hard Inquiry.

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 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
Med Credit took an unauthorized transaction payment from my debit card on XX/XX/19 for an amount of {$370.00} to XXXX XXXX XXXX I contacted my Bank- XXXX and told them that I did not authorize the transaction and the fraud department and myself called the Hospital where we were told that the hospital did not take out the payment, that this was done b y Med Credit and we would have to contact them for more information. When we called Med Credit they didn't provide any information either and said w would have to contact the hospital. no-one we spoke with could provide a transaction receipt or anything else related to the charge. I didn't receive a bill from the hospital for this amount and I never received anything from Med Credit. I have been the victim of Fraud and I would like to take action against XXXX XXXX, Med Credit, and XXXX Doctors hospital. XXXX did not refund the transaction amount and no-one contacted me about the case decision and I had to find out through my online portal that they were denying me a refund. I submitted for them to re open my account and they denied that too. They didn't even offer to suspend my account or send me another debit card to protect me and my funds until I asked them too

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