vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
The company responded to my complaint misspelling my name claiming to have contacted me stating the debt has nothing to do with the hospital. I never received letters nor have I spoken to anyone on the phone. I believe they have placed someone elses debt considering they referred to me as XXXX not XXXX, the proper way to spell my name. I will be contacting an attorney if this is not resolved as I have not received letters to my physical address in XXXX or XXXX nor have I received calls to my XXXX area code phone number. My only phone number. I believe its not me that is confused but the company attempting to charge me for someone elses debt.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have been calling Bank of America for 6 days now ... NOBODY PICKS UP THE PHONE. Today was the 1st day, anyone picked up. I called Bank of America manager, XXXX XXXX XXXX because a week prior to today, her employee refused to open an account for me, in violation of Federal Law 's. XXXX gave me her business card and told me to Email her, which i did. She refused to email me back. When i called today and asked, she said She can not email outside of Bank of America. I asked her why is her email is on her card then, she got upset, and talked over me, continuously, not letting me finish ANY questions i had in reference to doing business with Bank of America. My mother was witness to this conversation and witnessed this woman 's behavior via Speaker Phone. This woman is the most unprofessional person i have ever come across at any Bank across the US. This woman acted like a 10 year old Child caught with her hand in the cookie jar. Every question i attempted to ask, was a legitimate question, yet this person did not listen, talked over me and hung up on me. When i asked why her Email is on her card and why did she ask me to email her, her response was " Im not gon na argue with you '' and talked over me, without pause, without letting me speak, then hung up on me. Not only has this Bank violated Code of Federal Regulations by denying me an account, via the Terms they stated, they on top of that, tell me to email them to work on the situation, then claim they dont do emails. I am seriously contemplating taking Bank of America to District Court over " Civil Rights '' complaint. The Bank of America store number is 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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I received a letter in the mail on XX/XX/2019 from Cedars Business Services alleging that I owe {$410.00} for an XXXX  traffic violation. 

This is completely invalid and is not my debt. 

After calling XXXX and giving the case number, I spoke with someone who said their name was 'XXXX  XXXX  ' who insisted that 'he had information that said I owed them {$410.00} '. 

This is not my debt, I have no idea what this is about and this is extremely dishonest. The letter said that I only have 30 days from the day the letter was sent, XX/XX/2019, to deliver a letter disputing the 'debt '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have request that the fraud alert be removed from my credit file multiple times. I have called and sent letters yet Equifax refused to remove the alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal charged me {$250.00} for some online game that i did not authorize. I contacted them but they refused to refund my money. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CA

Complaint narrative:
I was made aware of some accounts that do not belong on my credit report today XX/XX/19 because I was denied from opening a XXXX XXXX credit card. I did not open any of these accounts and I have never given anyone permission to open an account in my name with my personal information. I have no idea who could have stolen my information top open these accounts and I have already reported this to the police. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also do not have any written/verbal contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid off my XXXX XXXX ccount after being dissatisfied with the products and closed the account. Comenity bank charged me a fee {$25.00}. I could not call the bank only XXXX XXXX accepted the calls and I had to write Comenity only with my complaint. I received a response telling me to give evidence of my phone communication, which I did. I paid the bill after it reached {$110.00}. and attempted to resolve the issue and ask them to return my money once u sent them the transcripts proving there was phone communication to close the account and pay off debt. Commenity bank has ruined my credit and fraudently charged me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
My name is XXXX XXXX, I called my debit card company immediately after getting an alert on XXXX or account balance is low. I did NOT Authorize {$510.00} to be transfered from my account. I called immediately filled out paperwork emailed and mailed copys within the timeframe. I want my Money put back on my card Its not right Im not responsible for this happening. I work very hard for my income and I want this fixed. Im very upset everytime I called they say you have to write for response. I did write to the address they gave me for dispute responses and still nothing. I am being taken advantage of and want this corrected Now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable  procedures to assure maximum possible accuracy, of the information on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a minor account at Wells Fargo with my XXXX XXXX XXXX niece and there were fraudulent deposits in the thousands of dollars and fraudulent charges as well on her Wells Fargo account. My niece did not make these deposits or charges which should have been obvious to the bank if they had caught on to her usual charges which are average for a teenager and her previous months history. 
The bank was negligent in picking up this activity and contacting my niece to verify the activity. Additionally, when we disputed the charges by letter ( including a police report we filed ) they denied the claim because according to them the card was in her possession and that cards with chips can not be duplicated! This goes to show how out of touch they are and behind the criminals moves. 
The bank has not returned the {$190.00} that is the balance when we deducted the fraudulent charges and deposits.

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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
After multiple attempts to contact Transworld Systems Inc in XXXX, PA - we then mailed our dispute complaint postmarked XX/XX/19. This was responded to on XX/XX/19 - with irrelevant documents. the claim amount they want to collect is {$730.00}. with the lack of willingness to communicate or provide any requested documentation to the validity of the claim, this seems very fraudulent. you can not just say someone owes you money and then turn them over to collection. you have to show liability of the claim. A repair bill is not proof of liability. How do I know an employee did not damage the car and is blaming me to keep from getting in trouble? that is exactly how this feels.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Back in XX/XX/XXXX my credit card account was closed by XXXX XXXX XXXX and given to Messerli & Kramer, P.A which is a debt collection agency and not a law firm which they have always started when ever they called me. 
Messerli and Kramer started making collection calls as early as XXXX and back to back phone calls. 
I was threaten by Messerli & Kramer, P.A after I asked them to stop calling me but they still kept on calling me and threatened me with garnishment, levy my bank accounts, and even sent letters to my current employer informing them of the debt which they claim that they have the right to do. 
I originally dispute the debt with Messerli and Kramer but I got nothing in the mail concerning my disputes and to my surprised they fraudulent went and sued me simply because I disputed the debt amount. 
On XX/XX/XXXX at XXXX I did received a phone call from XXXX XXXX XXXX apologizing about Messerli and Kramer violation of the fair debt collection practice cause I did filed a complaint with XXXX XXXX. 
I did filed a complaint with Minnesota attorney general office as well but the office have limited power and back in XX/XX/XXXX Messerli & Kramer was sued by the state of Minnesota Attorney general office for the same harassment static. 
As of XX/XX/XXXX there's a lots of lawsuits that was won against Messerli & Kramer for the said violation and there are some on going lawsuits in the state of Wisconsin circuit court in the city of XXXX, case # XXXX. This collection agency have try to avoid been fair by garnishing consumers paychecks without properly notify them of their rights or validating debts. They're quick to sued and my wife was a Victim of there fraudulent suing. please stop this company from violating the fair debt act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have held accounts for over 20 years at both Chase Bank and XXXX XXXX XXXX Bank ( hereinafter " XXXX '' ). I am a well established, reliable customer of each with no problems in my history. 
On XX/XX/2019, I made a principal payment to my Chase mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. Chase applied payment to my mortgage balance and it appeared the transaction was complete and clear. 
However, on XX/XX/2019 XXXX notified me that my check had been returned to Chase unpaid. On XX/XX/2019, Chase notified me the same, and reversed the amount credited to my mortgage account. 
I called XXXX first to ask the reason for the check being returned. After some research, XXXX advised me that the check was returned becauseChase did not endorse it on the back. Through XXXXwebsite I looked at the check image and saw that XXXX was correct : it had not been endorsed by Chase. 
I then called Chase to inquire. The initial representative could not answer my questions, so she passed me to XXXX in the Escalation Unit. It took a long time for XXXX to get back with me, possibly because of holiday season time off. On XX/XX/XXXX, I was finally able to get an answer from one of XXXX 's colleagues, XXXX. XXXX informed me of three things:1. My physical check was destroyed shortly after it was imaged at the bank, so it could not be presented again for payment.2. I would need to present another check to a Chase branch location, or find another way to make payment.3. Chase would not credit my payment as of XX/XX/XXXX, nor would they credit the interest charged on my mortgage for the past month. In other words, I would suffer financial loss for Chase 's mistake. 
Following that conversation, I drove to a local Chase branch to attempt another payment of the {$40000.00}. I asked the teller to make sure this check was endorsed before scanning it. The teller said her training was to NOT endorse checks such as mine, so she could not do so. Knowing that if I were to deposit another check, it would suffer the same treatment, I took my check back and went home. 
My Chase mortgage carries an interest rate of 5 %, so as of XX/XX/XXXX Chase has wrongly charged me approximately {$160.00} in interest. Interest wrongly charged continues to increase each day by approximately {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
The medical insurance I am covered under was delayed in making a payment to XXXX XXXX XXXX, but eventually paid out. Despite this insurance payout occuring several months ago, I have continued to receive 5-6 calls per day from State Collection Service ( PO Box XXXX, XXXX, WI XXXX ) and have a derogatory mark on my credit report with all three bureaus -- with the exception of XXXX, who reviewed a dispute I opened and removed the collection from my report. XXXX investigated and the debt collector did not agree to remove the collection, so I requested a more thorough investigation. The XXXX investigation is ongoing. My credit has been ruined as a result of this inaccurate collection and the phone calls are bordering on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
americollect has put an delinquency on my credit report which I do not owe them. I owe a medical services which I have been paying directly to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Currently to pay your loan serviced by Navient over the phone you have to give your full social security number ( SSN ) or your account number. The option of giving my full SSN to the employee that answered my call to verify the account means that this employee  already has access to my SSN and not an abbreviated version of it. It concerns me that people at this level of employment have access to this detailed information. In today 's society with security breaches that seek to steal peoples personal information and the ramification of these known issues gravely concerns me that Navient would open themselves and their customers to such a large liability. The amount of customer service representatives that have access to this information not only nationwide but globally is extremely concerning. I hope my concern gives rise to the potential damage to the more than 12 million debtors that Navient currently services. 

The only employees that should have access to this information should be at the point that they are in litigation about payment of loans. Trying to pay my loan which is reducing my debt and not adding to it should not have such revealing information attached to the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a couple of credit cards with Chase, I had a good relationship with them. I was receiving business credit card offers from Chase often so I decided to apply for one of them since I already had one that had cash back rewards, this one was offering miles that I can use for traveling. I travel a lot for business purposes so that card suited me well. XX/XX/XXXX of 2019 I applied for the card and application was pending, after 3 business days I called customer service to find out application status and they were really rude and XXXX, did not answer any of my questions and just very rudely said we will notify you in 30 days. On XX/XX/XXXX I called to make a payment on my chase business credit card since payment was due on the XXXX, and I found out my account is closed. I contacted customer service to find out the reason, and they said whoever handles that department is closed for XXXX and will return on XX/XX/XXXX so they told me to call back. I called on the XXXX and I was transferred to that department and I asked what is the reason behind the closure to my accounts. They closed 3 of my chase accounts. 2 of them are personal and 1 of them is business. They said the reason why its closed is because you have a XXXX credit card which is linked to XXXX XXXX that has been closed due to non activity for a couple of years. Recently XXXX XXXX XXXX   closed my account as well due to no specific reason. So Chase said since those accounts are closed we decided to close your chase accounts as well. So as of now I had a feeling as if they were asking me what I wanted to do, I said I want you yo reopen my accounts, customer service said we cant open your accounts unless you speak with the supervisor, hes the only one that can reopen the accounts. I said ok and waited for the supervisor to call me. Morning of XX/XX/XXXX I received a call from the supervisor and she sounded from plain, rude, as if she didnt even care whats going on. She said we can not reopen your account and its final. I have nothing to say, all I can say is that they dont have the right to just close down my accounts without a legal reason.

Company response to consumer: Closed with explanation