vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: NJ

Complaint narrative:
In reference to my XXXX XXXX XXXX CREDIT CARD. On XX/XX/2018 I contacted XXXX Customer Service because I noticed that my payment in the amount of {$1600.00} was applied to my old account which was compromised ( fraudulent charges that I found and disputed and has since been settled ). This payment was intended to pay the credit charges I made on the new account. Upon speaking with customer service at both XXXX and XXXX XXXX, I came to find that one of the fraudulent charges was posted to my new account and subsequently removed. The remaining balance on the account was {$890.00}. I directed XXXX 's customer service to use the {$1600.00} payment to pay the card in full and send me a check for the balance of {$700.00}, which they did. 
In looking at my next statement I noticed a posting indicating a sale on XX/XX/2018 for {$700.00} - the exact amount of the check that was mailed to me. I wasnt able to dispute this sale and I called to clarify on XX/XX/2018. I added all of my receipts since the last statement and my account is over by the amount of the check that was mailed to me. In essence, XXXX mailed me the overpaid balance but then posted it to my account as a sale. I was not refunded the overpaid balance. They manipulated my account, made an error and then charged me the amount that was owed to me. I called on XX/XX/2018 and on XX/XX/2018 to make a formal complaint and dispute the {$700.00} and the supervisor I spoke with said that I could pay my account minus the {$700.00} as my statement was due. I called again on XX/XX/18 and this has still not been rectified. To date, after numerous attempts to have this matter resolved, XXXX XXXX XXXX refuses to acknowledge that my account is inflated by {$700.00}. They insist that the charge of XXXX to my card is simply the way they reflected the remittance.

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 2018-10-15 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In XXXX of 2018, the account I had with XXXX XXXX XXXX XXXX was closed and paid in full. On my credit report, it shows the account is open and is now late. It is hurting my score and making it impossible for my husband and I to buy a house. I have disputed the info with Equifax TWICE now, with supporting documents from XXXX stating that my account was paid in full and closed, and they still will not fix it. I also have included documents from the dealership stating the car is no longer in my name and showing the check they used to pay the bank in full. The other reporting agencies have it closed on my reports from them, as well as my husbands ( the co-borrower ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
All credit cards or loans I have applied for have been denied due to fraud I used to live in XXXX and I moved to XXXX  in XXXX so they have denied me because they thought I still lived in XXXX. And I recently got a state Id.

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 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
Every couple days I get a call from : Caller : ( XXXX ) XXXX A XXXX XXXX  I called them back and told them I do NOT have outstanding parking tickets in XXXX and to take me off their call list. They continue to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: GA

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX XXXX placed an collection on my credit report and I had no knowledge of the bill. The bill is from XX/XX/2013 and no bill or notice from the doctor or hospital has been received. Neither did i receive a bill or notice from the collection agency XXXX XXXX XXXX XXXX # XXXX. They put it on my credit report still no notice of the bill just put it in collections. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
The reason for my writing is that Honda financial services are being unreasonable. I had XXXX on XXXX XX/XX/2018. This XXXX incapacitated me for a whole month while recovering back to my normal state. As a result, I fell behind on that month, monthly payment. I took the liberty to write to Honda on XXXX XXXX explaining to them what had happened, in regards to this medical condition. They requested that I send them proof of my Hospitalization which I did attach the medical certificate as proof of the sickness and my bank statements which showed I had enough money on my accounts to make the payment were it not for the medical condition. But to my surprise, Honda financial services refused to delete the late payment history of the time I was down due to the medical condition which was 100 % not my intention to be late. I have always had a good reputation with this company. I have Attached the letter I sent to Honda financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 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: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
This is duplicate entry of same account on my credit report. US code 1692e ( false/ misleading representation, ) holds that it could not be listed as if it were another separate account. 
It is re-aged to reflect a more recent date. FCRA 623 ( a ) ( 5 ) ( A ) specifies dates of open/ delinquency must match. 
Despite my numerous requests, PRA has not provided me with an original contract bearing my signature, nor any document that assigns this particular ownership of debt to PRA ( US Code 1692g ( Validation of debt. ) ) It is beyond the statute of limitations in my state. ( Alaska Code 6-2-37. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the date XX/XX/2018 an unauthorize transaction of the amount of {$480.00} was deducted from my account thru a XXXX XXXX atm in XXXX XXXX. I called the next day to report of the issue they got all my information two weeks later i have not received any letters or a phone call of the solution of the claim.i called XX/XX/2018 just to hear that they denied the claim because the pin number was entered right the first time. I was upset because i trust no one with my financial assets how can this be! So im seeking help thank you. 

Sincerly XXXX 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 2018-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America XX/XX/XXXX/XX/XX/XXXX credit card statement contained an unknown charge of {$99.00} from " XXXX XXXX XXXX '' dated XX/XX/2018 with a telephone number XXXX ( NJ ), I had never dealt with that entity. I called the listed number and the person answering refused to identify the entity called, I was told that the entity did not sell merchandise or services but, rather, represented other unidentified firms in collecting charges on credit cards -- ie either a competitor or collaborator of Bank of America. I certainly did not authorize XXXX XXXX XXXX ( or, indeed any one else ) to use my Bank of America credit card. This was plainly a fraudulent transaction. 
To prevent further fraudulent uses of my card, I asked the Bank to cancel the card used by XXXX XXXX XXXX and issue a new card with a new number. The Bank reluctantly honored my request. 
Bank of America advertises its " {$0.00} Liability Guarantee '' in selling its credit card program. " The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your account ''. Notwithstanding several conversations with the Bank 's fraud unit over a period of a number of months, the bank refuses to acknowledge its responsibility under its " {$0.00} Liability Guarantee ''. Rather, it insists that I purchased something from its competitor/collaberator, XXXX XXXX XXXX -- something that XXXX XXXX XXXX denies. 
The Bank today has turned its bogus claim over to credit collection agencies causing irreparable damage to my credit for which I have a claim for {$40000.00}. This will only escalate if the Bank persists. The Bank tries to insulate itself by refusing to allow me to talk to its legal department and by not answering, in a timely manner, calls to its " customer care '' department. It will not allow its employees to discuss anything to do with dispute resolution or to return telephone calls that have been disconnected. 
I demand that the Bank honor its advertised {$0.00} Liability Guarantee, that it repair my credit rating and, that it pay me {$40000.00} for damage to my credit and improper credit card cancellation, XXXX 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 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
Valley national Bank promised {$200.00} after 1 single Direct deposit which they confirmed I had done. I actually asked an employee on the phone and although it said no where the terms was {$200.00} DD I still sent {$200.00} over. 

I now called to ask where my money is and they say it was {$1000.00}. 

In addition they refuse to close my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2017 an agreement was made to settle an account with American Express through their counsel XXXX XXXX  XXXX, XXXX. 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX XXXX XXXX who refers me to an XXXX # at AMEX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at AMEX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX XXXX XXXX who confirms the need to work with AMEX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-AMEX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by AMEX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for AMEX or AMEX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
When I pulled my credit-I found over 38 medical accounts for XXXX XXXX XXXX and a few other doctors offices and hospitals-I contact the medical offices and hospitals and found out that these charges are fraudulent and several of the accounts are charges for visits I didn't even attend. I contact the attorney general in my state and an attorney. They informed me to filed a fraud affidavit and complaint with their departments. I sent this paperwork to the credit reporting companies and to the this collection companies. American Collections and XXXX XXXX XXXX ( which are the same companies ) refuse to remove any of the accounts. I haven't received any paperwork and they keep reporting the accounts inaccurately on my credit reports. One account alone with the same account number and service date-shows a different amount owed with each credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC
State: TN

Complaint narrative:
Hello, I have a defaulted payday loan with XXXX. It was eventually taken over by XXXX XXXX aka GMA Investments. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 XXXX XXXX. On XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attempted to consolidate my loans to be placed on a different payment plan in order to lower my monthly payment amount. After being told different information by 3 different customer service employees when I called, I finally got the ball rolling in XXXX. I was told that I would HAVE to be placed on forbearance for the month of XXXX to give them time to process the request and that my next payment wouldn't be due until XXXX. I asked the person on the phone MULTIPLE times to confirm that I would NOT have a payment due in XXXX. I received documentation from Navient stating that my forbearance was approved and my next payment wasn't until XXXX. On XX/XX/XXXX I log onto my account to find that it says I have 2 past due payments. When I called customer service I was told that I was never placed on forbearance. In order to make my account current, I had to be placed on forbearance for this month and my next payment will be due in XXXX ( hopefully ). I keep getting wrong information and Navient is not doing their job. Had I not checked my account, this could have severely impacted my credit. Not to mention it is extending how long I have to pay off my loans, which is adding more interest. Because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Accountant Exchange Group
State: NC

Complaint narrative:
I received flyer in mail I called about loan. The person told me they couldn't large but could do small loans which ended up being something like payday loan. when paying amount back I only paid interest and the person claims I owe them more than that so I refuse to pay back anything I didn't receive now the person is harassing my job that I listed on application.They are calling my manager and telling them they are responsible for my bill.

My manager stated this is how the phone went : The guy asked for XXXX and I told him that she wasn't working. He then proceeded to ask me ( XXXX ) if I was in human resources for XXXX  XXXX. I said no. He then asked if I authorized this ... I wasn't sure what he was talking about. So I told him that I didnt know what he was talking about. He also asked why my name was on it, authoriting it. I told him that I didnt know, but my name needed to be taken off. He then said that this wasn't going to go away ... insinuating that someone was going to have to pay. After that he asked for a manager, so I sent him to our store manager who got tired of arguing with him so he hung up on him. He called back the next day ( sunday ) and asked for XXXX. I said that she wasn't there and hung up on him.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On or about XX/XX/2018, 20 unauthorized transactions totaling {$460.00}, were debited from checking account. After going through the process of filing an unauthorized claim, the bank concluded money can not be refunded because there have been previous transactions in my account history with the same merchant. While I can agree with this conclusion partially ( I did authorize previous transactions to this merchant in the past ), I disagree with the finding because all of these charges in question came from a different IP address than the one listed in my previous account history. If proper researching was done in the first place, it would demonstrate that purchases I authorized my son to make over the course of the past 2 and a half to 3 years ago emanated from a completely different IP address than the one in which these charges originated. In other words, the charges were made by another child who accessed my son 's XXXX account to which my debit is attached without our son 's permission while my family was away running errands from his parent's/grandparent 's home. 

Furthermore, when I allow my son to make charges, they never total to {$460.00} -- - period -- - because an XXXX-year-old doesn't have the means to repay this debt. In other words, we normally allow him to make purchases in the amount in which he can repay immediately. Naturally, the bank requested " confirmation of cancellation with the merchant, date of cancellation, confirmation number or the name of the person I spoke with ... '' Since these items are irrelevant to my situation, I attempted to further explain my situation to the bank and as of this morning, this matter is still unresolved. By the way, I did ask if this wasn't the proper forum to have my concern addressed, could I be advised as to the proper channel to have my concern addressed. Needless to say, I'm still waiting ... 

My point in all of this? First and foremost, my husband and I don't have {$460.00} to waste on frivolity. As a result of these unauthorized charges, I have and continue to incur difficulties with this bank such as NSF charges that wouldn't normally be assessed if had the money been in the account. My family of XXXX is a single-income home. I became XXXX over 25 years ago, and don't receive any support, such as XXXX, from the government. The response I was given from this bank was totally inapplicable to the set of facts presented. Attached to this document, is all of the correspondence which has transpired between myself and this bank. Having worked in the banking industry previously, I will say that this is not customer service. Proper customer service includes researching if/when discrepancies and/or disputes occur. I have no reason to promulgate falsehood. 

It is my hope that an acceptable resolution to this problem be reached -- - and reached soon!

Company response to consumer: Closed with monetary relief