vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My complaint concerns a disputed charge on my credit card from CITI bank. 

A fraudulent charge was made on my credit card on XX/XX/XXXX to XXXX XXXX XXXX for XXXX. I reported it to the credit card companys credit card services on several different occasions after receiving a call from their collections department in mid XXXX. Since then I have contacted them on four different occasions, most recently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to find out why this hadnt received a security credit as it had in the past. CITI had given me a security credit when this exact same incident occurred on XXXX XXXX with the same amount and the same XXXX XXXX. When I have talked to them they have repeatedly told me that the charge has been credited, but it still appears on-line on my statement and now I'm getting late charges. They have also closed my account. Each time I have spoken with them for over a half hour, but I cant seem to get this resolved. I have also included the information they asked for from the first time this happened on XX/XX/XXXX as well as pertinent account information They give the following address : Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD 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 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: MN

Complaint narrative:
basically the identy theft people who took over all my accounts took over my credit karma  account and other identity theft accounts i have no accesses to and are in my credit score stuff i need all of it locked down they got my imformation and credit card number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX I signed a Business Loan and Security Agreement for {$51000.00} with American Express on behalf of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. as Company President. I asked repeatedly if I was signing personally and every time I was assured that I was not On XX/XX/XXXX I received a notice from XXXX stating they had charged off the balance and I was a co-signor on the account and I am not. I never signed a personal guarantee or submitted any credit information, especially not my social security number. How did they get it? 

Amex never once tried to collect the balance from me personally. 
The borrower is clearly the corporation with no reference to me personally. They back doored me on page 12 but not on page 16. 

I disputed the tradeline with XXXX but I was notified it was not being removed. 

Was a privacy law violated as a result of them using my social security number without my permission?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MA

Complaint narrative:
I basically discovered there was an issue ordering a Cash Card from the Cash App and have been E-Mailing for days for 2 weeks on an explanation to why I can not order one and got no response but that this was a known issue. The company basically lied to me because it was not a known issue and now the account is closed and I cant access my funds or can't pay my bills which led to me being charged more fees and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EMCC Holdings, LLC
State: NV

Complaint narrative:
There is a collection account showing on my credit file for a Timeshare. The account is very old. I remember this thing because the Timeshare people lied and when I tried to rescind within the 3 days they told me it was too late. I have been disputing to try and get removed and they sent a payment history that shows excessive charges and proves it's old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.

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 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA placed a {$200.00} hold on a recurring alimony check ( nearly 2 years ) drawn on account with their own institution! Not only that but they know the funds inadvertently came from a XXXX XXXX payroll check as my ex has banked with them for over 20 years!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My wife and I went on a leisure trip for about three weeks to XXXX starting on XX/XX/XXXX and returned to USA on XX/XX/2019. While we were vacationing one of our personal checking accounts was hacked and all funds wiped out by a criminal activity. 
Meanwhile, our second checking account with JP Morgan Chase was overdrawn due to a none authorized payment submitted by XXXX and allowed by Chase Bank in the amount of {$840.00}. My wife did call Chase customer service for over 6th times explaining each time to a different representative the situation and to be able to stop the account until we were able to figure out the situation. Some Chase bank reps were frivolous in there answers and never offered a real solution ( only one representative did offer help on reversing all fees after the account was brought up back to good stand ) Today XX/XX/2019 I wanted to fix my checking account with Chase Bank, but before we made any deposits my wife decided to speak one more time with chase customer service just to make sure our none sufficient fund fees were going to be reversed as promised by one of chase representatives in previous conversations, However, this time we got informed by chase representative that we had options since day number one when the account was overdrawn for the first time and consisted ; number one, we could freeze the account, number two, go to a local branch and change the account and number three cancel all automatic payments as well as file a police report none, of these steps were informed in our six phone calls made to the customer service, on the contrary all payments were rejected for insufficient funds and a subsequently none sufficient funds were assessed each time, 11 times {$34.00} swelling the already overdrawn account. This could it be avoided simply by having the courtesy to explain to the customer what was already disclosed above the first time the incident occurred. We believed this is an unfair practice done by Chase to diminish funds and to collect fees upon fees without no reason, placing us in a financial distress that was aggravated by the hacking of my wife 's identity rendering the debacle on the situation we are today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please be advised this is among one of the many items i have disputed with Experian where i have repeatedly have asked for debt validation " a signed consumer contract '' to be more precise. Instead of having some sort of resolution to all this, i have the collection agency that is fraudently reporting come back on CFPB with a copy of my social and drivers license that i sent to " EXPERIAN '' not the collection agency. Why would Experian release my drivers license and social to a company that was strictly only for Experian and which i have been stating over and over is reporting an account that isnt valid at all. Please advise why? who gave Experian permission to send/share my personal documents? 

see attached the the documents i received from XXXX with my personal documents which was included in there response to a complaint i filed on CFPB.

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 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Closure of account without prior notice On or about, two weeks ago, XXXX XXXX XXXX [ XXXX, herein ], president, suspended the checking account of Mr. XXXX [ cust, herein ]. Cust suffered some expenses due to the evil-closure of the account. XXXX gave the reason of : failure to provide the residence address ... Cust called to let XXXX know the cust had provided the residence address to XXXX, female rep, on or about : XX/XX/XXXX19. Cust gave the mailing address to use for mailing and the physical address more than three times. The reps do not care to insert the information. Cust told XXXX not to mail general mail to the residence [ physical address ] due to lack of adequate security for the onsite mail boxes which it is no surprise of how burglaries of mail boxes happens these days. 

Cust had gone into the bank and told the reps the residence address too. XXXX should be required to communicate with cust first before suspending the account. XXXX does not care how he treats an XXXX man. Discrimination was utilized in the fact the treatment for none-XXXX is different and the accounts would have not been suspended. 
... ... .. 

On or about : XX/XX/XXXX 19, Citibank denied my loan application without stating a reason why. My FICA score was about 701 and now it is XXXX. XXXX XXXX, executive response unit, said it may not be the fica. she said it may be other things. There is only one item which reports an erroneous debt which is already been challenged. Despite the item,, there were other financial institutions who opened credit cards which proves the one item was not a major factor. Especially when is common to see medical bills erroneously reported. Some financial institutions : XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; and the fact Citibank has a Debit Card. 

It is believed the reason why XXXX denied the credit card was due to XXXX and the fact a letter was written to XXXX to reduce his salary and the other 15 executives who gets paid more than $ XXXX or $ XXXX yearly. As a stockholder, it is a major concern of not being ripped off by top executives. Therefore the denial was 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 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management Amount {$3000.00} I have been working on cleaning my credit. Midland Credit Management refuse to work with me. Its been over a year. I made payments on full balance and had to stop because I couldnt afford it. I offered to pay less monthly and they refused. Today I spoke with XXXX XXXX XXXX XXXX, who advised me I had been sued and the law suit has been dismissed. I was never notified of a law suit or a dismissal. XXXX XXXX advised I still owe the debt and he could only offer a discount of 15 % and therefore demanding {$2500.00} as payment in full, which I do not have. I made an offer of {$1000.00} and this was declined. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: WA

Complaint narrative:
I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.

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 2019-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I get repetitive phone calls from this company, Portfolio Recovery Agency, from 800  numbers and local area codes. They call and dont even star who they are, I have to ask. Its very annoying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I have been contacted repeatedly by MediCredit by phone over the last three months, starting first on XX/XX/XXXX, regarding a bill from XXXX XXXX in XXXX, Missouri. Upon the first phone contact, I requested a debt validation letter be sent to my address on file, which was agreed to by the associate. I have still not received any debt validation letter. 

During a 3-way call that took place on XX/XX/XXXX between myself, MediCredit and my insurer, XXXX, we determined that the bill in question had already been paid by XXXX at the contracted rate between XXXX and XXXX, and that no further collections action could legally be taken by XXXX. XXXX had attempted to increase the amount owed to them by me by classing my visit as out-of-network, but XXXX had classed the reason for my ER visit as a legitimate medical emergency, and paid the rate contracted to XXXX as an in-network hospital for services rendered. Thus, XXXX erred in sending any bill to MediCredit for collections activity, and MediCredit had no standing to continue collection efforts. It was agreed on this call, which was recorded by both myself and by XXXX 's representative on my request as well as by MediCredit per their policy, that collection efforts would cease until a letter could be sent to XXXX by MediCredit confirming the amount owed, and that XXXX would take over and finalize the negotiated amount paid by insurance. 

However, since then, I have continued to receive multiple calls from MediCredit regarding this bill, and no letter has been delivered to XXXX ( confirmed XX/XX/XXXX by a XXXX billing representative ) or to my home address. I believe these continued collection efforts constitute a violation of the Fair Debt Collection Practices Act, and intend to pursue legal action if MediCredit does not make good on its word to settle this through 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 2019-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After doing my taxes last year I discovered there was a credit card opened in my name. I have never had a credit card until recently. The credit card in question was opened in 2011.. ( I was in high school at the time ) with XXXX XXXX. 
After a year of reporting and dealing with credit agencies ( successfully put a 1 year fraud alert through Experian ), I filed a police report this past XXXX. I decided to file a police report because through my credit score I discovered that the credit card is still open and active. 
I have now been dealing with XXXX XXXX Fraud Department. They said there is no account with the info I provided, yet still the account is affecting my credit score ...

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 2019-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to a new unknown recipient " XXXX XXXX '' at XXXX with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase savings account and transferred {$1000.00} to my checking account with XXXX address XXXX. On the same day, someone hacked into my account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

I did not receive a notification for any of the XXXX fraud transactions. I was advised by Chase 's XXXX XXXX XXXX that any transactions with XXXX with XXXX to a new recipient or above {$1900.00} should be red flagged, and their fraud team should have to approve the transactions, or send me a notification. 

I first learned about the problem when I received an XXXX Funds notification from Chase on XX/XX/2019. I reached out to Chase immediately and they opened a fraud claim for me. 

On XX/XX/XXXX, I learned that the claim was denied. Chase said the transactions were legitimate because they were made via a local XXXX address. I was able to escalate the claim to Chase 's XXXX office, and Chase reopened the claim. A week later, Chase reached out to let me know that they had come to the same decision that the transactions were legitimate. They had not done any additional research to come to this decision - they had just repeated the research that the fraud team did initially. Chase then told me that I would have to provide my own evidence to prove myself innocent in order to get the case reopened. 

I compiled all my records in order to try and find evidence that would prove my innocence. I called Chase on XX/XX/2019, to ask questions regarding transactions on my account, in order to obtain details that may lead to evidence to help my case. It was during this phone call that the fraud team told me that the case was permanently closed and there was no way to open it again. 

I am trying to get my money back from the fraud charges. XXXX with XXXX has led to multiple fraud transactions for people all over America, and banks are not protecting their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 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:
the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19, Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief