vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Trying to send money to XXXX account. But td bank does n't not recognize them and can not send money with them by account number and routing number. XXXX is fdic insured for XXXX how can TD bank not recognize them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I lost my card over the new year. On XX/XX/XXXX I saw an unauthorized charge of {$1100.00} on my account. I called the credit card company to file a lost/stolen card and disputed the charge. The company closed my account and issued a new card for me. The charge was taken off 3 days later. However, on XX/XX/XXXX the same charge appeared on my account again. I called the company again and try to find out what happened. Their investigation team determined that the transaction was valid, disregarding my statement that I did not have the card in my possession at the time of this transaction happened, I did not know anything about this transaction. I had to call numerous time for them to take any action on this matter, they were rude and condescending. Finally, they reopen the claim and issued a chargeback, however, they are not willing to further help and protect my right as their customer, I may get rebill again on this unauthorized charge.

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 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: CA

Complaint narrative:
On XX/XX/XXXX, My son contacted me by text, to inform me of a call he'd received from XXXX XXXX XXXX XXXX XXXX XXXX ( " A law group '' ). He informed my son of an amount due and said that they were filing a court case against me, that I " had committed fraud '' On XX/XX/XXXX I was able to reach XXXX XXXX. I contacted him, to gather information. I assumed the original debt, had been " sold '' to his company. I asked for an account number and the address of the company. XXXX XXXX began a verbal assault of my character and cited details of my credit report to back his assertion that I am " a loser '', and refused to give me an account number or their address. XXXX XXXX called me a " loser '' several times and said, among other things, that I " rip people off ''. There was a lot... 7 mins of character assassination. I was able to record the last 2 min or so. XXXX XXXX said the debt about was {$2000.00} more than it actually is. I also reminded him that it was illegal to have informed a member of my family of the debt amount and I felt certain it was not correct. He verbally assaulted me some more. 

Through more research, I was able to find the actual " owner '' of the debt - XXXX XXXX XXXX XXXX. They " outsourced '' the collection, but XXXX does not " own '' the debt. I was also able to ascertain the correct balance and the representative I spoke with ( at XXXX XXXX ) said there was no reason for the account to be {$2000.00} more. 

Not only did XXXX XXXX threaten me with jail, and verbally assaulted me, saying I was a criminal and a loser, he tried to coerce {$2000.00} extra dollars from me. 

I am so grateful I persisted and found XXXX XXXX. They have agreed to " pull back '' the account from XXXX, so I should not hear from them. 

XXXX is not capable of decent conversation, compromise, or negotiation on behalf of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XXXX 2017, I attempted to buy tickets online to a football game from a person using the alias XXXX XXXX. I submitted a payment using XXXX with XXXX on my Chase Mobile App to  XXXX in the amount of {$250.00}. Unfortunately, XXXX never transferred the tickets to me. One hour after making the payment, I called Chase Bank to report the fraud. At that time, Chase told me that the transaction had already been funded, and thus, they could not stop payment to XXXX 's account. Chase then opened a claim, and tried to receive the money back from XXXX 's bank. On XX/XX/XXXX, I received an email from Chase, stating, " We researched your claim and determined that the transactions are valid, so they will remain on your account. '' On XX/XX/XXXX, I filed a police report with the XXXX Police Bureau in hopes of catching " XXXX '' and getting my money back. On XX/XX/XXXX, I called Chase again with the request to reopen my claim and look into my police report. The woman I spoke to in the claims department reiterated that since I initiated the transaction, it was not considered fraud. She also said that a claim had been filed with XXXX 's bank, but that bank would not refund my account since the transaction had been funded. She would not share which bank XXXX uses, so I can not go after that bank in order to get my money. She also refused to consider my police report and did not write down my case number. I was basically told that it was my fault, and I needed to resolve things outside of Chase Bank. I, unfortunately, have no other way to resolve things because 'XXXX XXXX XXXX wo n't respond to any of my messages. I know {$250.00} is n't much money to Chase Bank, so I would like them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
I submitted original complaint to company on XXXX XXXX ; XXXX responded saying " Consumer Financial Protection Bureau RE : Complaint by XXXX XXXX - Complaint # XXXX Dear CFPB, We received the complaint from XXXX XXXX submitted through the CFPBs website and we appreciate the opportunity to respond. XXXX XXXX indicates that the balances for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were previously paid. XXXX XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice on XX/XX/XXXX. We also sent a second notice on XX/XX/XXXX with no response. XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice XX/XX/XXXX. Two subsequent notices were also mailed to XXXX XXXX in XX/XX/XXXX with no response. Our investigation finds that XXXX XXXX accounts were both billed to his insurance, but were not paid in full as he did not have medpay insurance for this automobile accident. We have been advised by the original creditors that the balances on both accounts remains due. The XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$1000.00} and the XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$3600.00}. If XXXX XXXX records reflect the accounts have been paid in full we welcome him to provide the proof needed to verify the accounts are paid. We are here to assist XXXX XXXX with resolution of his accounts and accordingly if he has any questions we welcome him to contact us directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ; I would appreciate if I did n't have to wait several years for this to simply fall off on it 's own ; however given the circumstances of my accident ( Which was not my fault ) I was told several times that this was handled and taken care of ; If it 's infact true ; that original creditors attempted to bill my insurance ; the other driver should have been billed my medical bills as I was in an unfortunate accident which was not my fault. 

I would like to request that you remove both of these from my credit report ; I am happy to wait the time frame as well if there 's no other options ; however I 'd appreciate if you dig into this case a bit if you have that ability so that you could see the reality of the situation. My passenger ( Climbing Friend ) had all of his medical bills taken care of and has never had any issues ; so there should be no difference with myself. 

Please remove this.

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 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
Account was opened XX/XX/2012 account to XXXX in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back. 

Debt is not even valid ; and I formally request that this is removed and closed from my credit report. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

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 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX i wires {$9000.00} to coinbase/XXXX and as of today XX/XX/XXXX i have not received my deposit in my account. My bank confirmed the transaction was completed onXX/XX/XXXX. 
Tracking XXXX XXXX Sent to : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX I emailed XXXX support on XX/XX/XXXX and got a response that they were will get back to me. Then on XX/XX/XXXX i called support and were told that they will eacalate the issue. Then XX/XX/XXXX i called again and was told there was nothing they can do for me and i will just need to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding. 
.

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 2018-01-20 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I went to the emergency room at the end of 2012. I was told my insurance covered my visit 100 percent. A couple years later I checked my credit report and this company reported a debt in collections on my report. Ive disputed several times with no response back.

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 2018-01-20 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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