vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1. I ( XXXX XXXX ) purchased XXXXXXXX Egift Card from XXXX. 
Purchase price : XXXX on XX/XX/17. 
2. Tried to use the Egift Card from online on XX/XX/17 but did not go through. So contact XXXX, they said there was no balance in the Egift Card code. 
3. Requested XXXX to get refund on XX/XX/17. They declined. ( please find attached ) Until now, I have been trying to get my refund. But XXXX declined. 
4. We also contacted Chase credit card. ( Which I used this card to purchase Egift card. Ending with XXXX ). Chase bank declined this fraud claim. Please help with the dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
Date XX/XX/XXXX - sent request to federal student lender Date attended XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Loan is with Mohela XXXX - Acct # XXXX Loan Amount is {$15000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I downloaded the usaa mobile app and uploaded a XXXX check. The app told me 72 hours before I received the funds and then When I called 72 hours later they told me 6 days instead and I sensed they were trying to steal the money and claim they were holding it Incase it bounced. My employer and I waited for the funds to be deposited and they kept holding onto the funds trying to steal the funds because it came from an international bank. I would like them to correct what they did to the account and give me my funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: WA

Complaint narrative:
I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am a CHASE business banking customer, we've been with them for a very long time, close to 10 years. This is the first time I ever had a serious problem with them completely ignoring me as a customer and denying any kind of help! I've used CHASE Quick pay to pay for goods onXX/XX/2019, the person came out to be a scammer and stopped responding to emails/phone calls/text messages from my side. I tried to call CHASE business customer support line the same minute it happened ( it was late night, so I was asked to call in the morning ). I did call in the morning and CHASE rep simply stated that they would never cover anything fraudulent that has to do with quick pay!! Basically they said that they simply allow for ANY kind of transaction to happen even if its fraud/scam as long as I as a customer had contact info of the other ( scamming ) party. They literally don't care. They actually tell you that there is ZERO protection for your funds with quick pay ( XXXX is now a part of chase quick pay )! I will never use CHASE quick pay or XXXX ( one and the same ) and I will make sure to tell everyone that CHASE could care less for their business customers in case of a scam or fraud! As an example, XXXX does care for their customers and would never allow for anything like this to happen!!! lost my respect for CHASE completely ... Extremely unprofessional and ignoring behavior by such a great bank ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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:
Equifax dont get XXXX in on this false inaccurate credit maniplation by this alleged furnisher i give you promission to investigate the enclosed matter and show proof of payment receipts in writing and all documents requested if not remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.

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 2019-03-06 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: CA

Complaint narrative:
I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XXXX 2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XXXX 2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I bank at XXXX XXXX and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XXXX XXXX and XXXX of 2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key derogatory marks were added for XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting XXXX XXXX but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say XXXX XXXX is verifying the account. I just want to buy my home.

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 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I was 100 % paying customer until I got into car wreck that all most took my life, literally. I was in a XXXX for 2 months and then in there XXXX for a month. At the middle of XXXX my family knew I was going to buy a veteran assistance loan, so they got in touch with all credit cards and loans. Honda financial wouldn't give them any information but they took insurance info, gap info and what I owed as deductable but wouldnt give them info on my payments they say I missed. I missed none and told them they dont care if I am XXXX because their car didnt release airbags. Now they ruined my credit while they knew checks from insurance and extra insurance with their company called XXXX. Anyways I am out of first step but deeply depressed I might never walk again and they want take back late payments when in XXXX, XXXX. They are shameless and triffling. They got money for car but wont realaste to credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I  contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to court over GE Capitol Retail Bank/XXXX XXXX credit card for breach of contract. He says the debt is for {$1300.00} but now the amount is {$1600.00} and I can settle the debt for {$890.00}. He said I will only get paperwork AFTER I submit payment and he was recording the line. He did not offer to send paperwork to my email address which he already has on file before I pay this debt. I tried looking them up and seen they represent XXXX XXXX XXXX XXXX in XXXX XXXX. I would still like to see what this {$1600.00} is for if my debt was only {$1300.00}. They should send me the paperwork because I tried to resolve the debt with GE Capitol Retail Bank around 10 years ago and sent payment. XXXX XXXX also said if I paid the {$890.00} it will be resolved off of my credit reports but again I never received anything in writing from him.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a request for debt validation to Portfolio Recovery Associates. In the debt validation letter I requested they provide me with : 1. The name and address of the alleged creditor 2.  Name and address of the alleged debtor 3. Alleged account number and amount of alleged debt 4. An agreement with the alleged original creditor granting Portfolio Recovery Associates the authority to collect on the alleged debt 5.An agreement that bears my signature stating that I agreed to pay on this alleged debt 6. Date of original charge off or delinquency 7. Verification that the alleged debt was assigned or sold to the collector 8. Complete accounting of the alleged debt 9. Commission for the debt collector if collection efforts were successful. 
In response to my request Portfolio Recovery Associates only sent copies of 2 billing statements dated for XXXX of XXXX, and of XX/XX/XXXX. They have not provided complete accounting on the alleged debt, proof of a contract with my signature agreeing to pay on this debt nor have they provided proof that they are authorized by the original creditor to collect on this alleged debt. They have also not provided evidence of the date of original charge off or delinquency. The 2 billing statements they provided me are dated for XX/XX/XXXX, and XXXX of XXXX, yet they report on my credit reports the alleged account was opened on XX/XX/XXXX. This in and of it self shows that they can not provide complete and accurate accounting of this alleged debt and they are reporting a false account open date and essentially re-aging the alleged debt which in is a violation of the Fair Credit Reporting Act. I am requesting that the Consumer Financial Protection Bureau further investigate this debt collector for possible criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen. I notified the credit bureau. They removed the account, but left the collection for that account.

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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX I opened a checking account with Citi Bank under a promotion under which a {$300.00} bonus would be rewarded with completion of the following 2 terms : 1. Deposit {$15000.00} of new to Citi Bank funds, and 2. Maintain a balance of {$15000.00} for 60 consecutive  calendar days Upon completion of those 2 terms, the bonus would be deposited into the account after 90 days.

After not receiving the bonus into my checking account, I began with what now has been a 5 month battle to acquire the bonus.

At first, the company informed me that they did not have a W9 on file, this was in XX/XX/XXXX, so I promptly printed and mailed back into them. After not hearing from them for several weeks I called and they stated that they had not received it ( this was in late XX/XX/XXXX ), so I resent. 

Contacted them again in XX/XX/XXXX and finally spoke with a supervisor who stated that they received the W9 on XX/XX/XXXX, and that she would initiate an investigation. 

I later received a letter stating that I had not met the terms of the agreement because I failed to open a savings account ( which is clearly not one of their terms of agreement ), so I called on Wednesday XX/XX/XXXX and spoke with XXXX ( Team # XXXX ) who stated that I had completed all the terms and was not sure why I had not received the bonus, but that should would, again, escalate this to the investigation dept, and that she would contact me direct for a follow up in a few days. 

After still not hearing from XXXX, I called today, XX/XX/XXXX and spoke with another supervisor XXXX ( Team # XXXX ), and after another extended phone call, was told that she would take over and escalate it to the investigation dept ( the same one that denied the bonus based on false term ). Informed her that I was contacting the CFPB. She did tell me that she would get back in touch with me by Tuesday, XX/XX/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 monetary relief
Consumer complaint received 2019-03-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc
State: CA

Complaint narrative:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt they claim from nearly 2 years ago. They only sent me a bill at the end of XX/XX/2018 and demanded payment. 

I have asked repeatedly, on the phone and 4 times in writing for the company to provide evidence and verify the bill is actually due. They have refused to provide any of this documentation. 

In addition, XXXX XXXX XXXX, violated the FDCPA multiple times by continuing to send me threatening letters and now sending me to a collection agency, simply to punish and abuse a XXXX patient into paying a bill they refuse to verify it is due. I have sent them 4 times in writing that I contest the bill and requested they send documentation. They continue to refuse and say a bill with no description is all they have to do. 

My XXXX at XXXX XXXX has stopped using XXXX for his patients as a result of their collection tactics and how they are treating XXXX patients. 

I want these illegal collection practices to stop immediately. XXXX XXXX XXXX needs to verify ( per FDPCA law ) that this bill is due. They have not but continue to threaten 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 2019-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall is attempting to collect a fraudulent debt.

My identity was stolen= $ XXXX were charged on Credit Cards with my information. They have since been removed from my credit report.

Cashcall at this time will not remove the debt and can not provide verification. I have pursued this as fraudulent with them to no avail.

This has been going on for four years. They held the debt in collections beyond the legal limit for state and refused to move it off until they received two separate CFPB complaints. They can not provide the form information or verify the source of the form information. This has been going on for over four years now and I need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On XX/XX/XXXX, I got a letter from XXXX XXXX XXXX XXXX , XXXX. saying that a judgement against me was in place by their client LVNV Funding LLC. and the original creditor was XXXX XXXX XXXX   XXXX. 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ OnXX/XX/XXXX, I sent my dispute to XXXX XXXX XXXX XXXX , XXXX . 
The verification sent to me on XX/XX/XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX  XXXX card services that didn't have my information. A copy of a default judgement dated on XX/XX/XXXX with State of New Mexico County of XXXX XXXX XXXXirst Judicial District Court .the balance was XXXX. court costs {$160.00} and Attorney 's fees of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
I have contacted this company for times to remove my phone number from your list. I dont not know who theyre looking for completely different name from my name and they still keep calling me. I am a senior citizen with no debt to anyone. Was told by one representative that it did not matter how old I was or if I knew the person they will keep calling me even though I have requested to be erased from their list. Again I do not know who theyre looking for

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