vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: New Century Financial Services, Inc.
State: NY

Complaint narrative:
New century financial services is subpoenaed me to fill out a questionnaire for the amount of {$1900.00} on a bill I never had and its dated back in XX/XX/XXXX. Tells me if I dont fill it out I am in contempt of court if I dont comply and fill out the info. They said I paid money last year and I never did. I dont even know what this is about. 
I just got this today XX/XX/XXXX. A lawyer company through XXXX XXXX  XXXX in XXXX issued me a notification along with the Supreme Court of the state of New York county of XXXXXXXX. Does not look legit and the questionnaire is asking a bunch of personal questions such as SSN ( which is already on their file apparently ) and asking for my income and other info. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake says I made a late payment my account is frozen I cant log in to make my payment and my car was stolen. They dont listen, Im sick I have XXXX XXXX and I was scammed they sold me a lemon car theyre messing with my credit all my payments are on time they got all their money already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
MY PAYPAL CREDIT ACCOUNT ENDING IN XXXX ISSUED BY SYNCHRONY BANK. 

ON XX/XX/XXXX BETWEEN LATE HOUR TO XXXX   OF XX/XX/XXXX GOING INTO XX/XX/XXXX., I MADE PURCHASES ONLINE FROM COMPANY CALLED XXXX AND I NOTED, RATHER THAN THE SINGLE ITEMS OF ABOUT 8 ITEMS BOUGHT. IT WAS NOTED THE ITEMS CAME UP IN TRIPLE/THREE TIMES ORDER. IN ORDER WORDS, THE ORDER CAME X 8 X 3 = 24 ITEMS TOTAL. I NOTED THAT I WAS CHARGED FOR THE 24 ITEMS. I, IMMEDIATELY STARTED TO DELETE THE TWO ORDERS, THAT I DO NOT NEED OR ORDER. I NOTED, IT AUTOMATICALLY CAME TOTALLY SO MUCH. AFTER DELETING, I RECIEVED MESSAGE FROM THE COMPANY, WISH THAT REFUND HAS BEEN MADE. 
HOWEVER, ON RECIEVING MY STATEMENT, I NOTED FULL REFUND WAS NOT COMPLETELY MADE TO MY ACCOUNT. I, RECIEVED A CHARGE OF {$880.00} FROM PAYPAL/SYCHRONY BANK. I CONTACTED WISH, PAYPAL AND SYCHRONY BANK WAS ALSO CONTACTED AND INFORMED OF THE FRAUDELENT ACT AND OVERCHARGE ON MY ACCOUNT. NO RESPONSE HAS BEEN RECIEVED BY WISH COMPANY, PAYPAL AND SYCHRONY BANK. THE TOAL PURCHASE OF ALL THE ITEMS ORDERED ON THAT DAY XX/XX/XXXX WAS {$300.00}, AND ON XX/XX/XXXX, ITEMS BOUGHT WAS {$71.00} AND ON XX/XX/XXXX WAS TOTAL OF {$160.00}, WHICH INCLUDES SHIPPING FEE. 
SOME REFUNDS WERE SUPPOSE TO BE MADE TO MY ACCOUNT AND NONE OF THOSE REFUNDS ARE REFLECTING TO MY ACCOUNT ENDING IN XXXX. IT WAS NOTED, I AM EXURBITANTLY OVERCHANGED AND THE BANK IS NOT DOING ANYTHING TO RESOLVE THE ISSUE UP TILL THIS DAY. FOR ALL I KNOW IS THAT THE TOTAL AMOUNT OF PURCHASES WITH WISH, IF {$300.00}. XXXX+ XXXX XXXX+ {$160.00} = {$540.00}. SOME ITEMS WERE REFUNDED BACK DUE TO DAMAGE AND QUALITY OF PRODUCTS, WISH SENT MESSAGES, ITEMS THAT WERE REFUNDED AND I STILL IS NOT REFLECTING MY ACCOUNT AND UPDATED BY SYCHRONY BANK AND PAYPAL. PLEASE, NOTE ALSO THAT SYNCHRONY BANK/PAYPAL OFFERED ME A SIX MONTHS PAY WITH NO INTEREST ON THIS PURCHASES MADE ON MY ACCOUNT. SO, HOW THEY CAME UP TO THIS AMOUNT IS SUPRISING AND SHOCKING.

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 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: CT

Complaint narrative:
Ingo Money placed a block on my account due to a check returned as cashed. The transaction, a check deposit in the amount of {$1000.00} on XX/XX/XXXX I believe, caused a block placed because I chose to cash check at a XXXX  XXXX XXXX due to a sudden emergency ... .I explained this to rep on with Ingo on XXXX.. I took check to a XXXX  XXXX XXXX, the bank it is issued from, cashed it on XX/XX/XXXX. Rep stated the account is in collections when the funds were not credited to account I used for mobile deposit on XX/XX/XXXX, which I also explained..I do not owe on this amount ... The rep tried to infer I had cashed check twice which does not make sense and is not what occurred. I left a message for a supervisor, did not get a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This problem occurred because XXXX XXXX  made a withdrawal from my account totaling over 4,000 and then drafted both my saving and checking account for over {$400.00} each ( the savings was later cancelled XX/XX/XXXX by XXXX at Capital One ). CapitalOne allowed the transaction to process between XXXX XXXX  and CapitalOne on XX/XX/XXXX for a deposit which they stated was a refund for over {$4000.00} made to CapitalOne and then a transaction from both savings and checking ( Checking is  still -XXXX ). CapitalOne wanted to make me responsible for a transaction I didn't authorize or engage in AT ALL. I received a letter from CapitalOne on XX/XX/XXXX which informed me my account was below {$0.00} which prompted me to contact CapitalOne regarding my account. On XX/XX/XXXX, CapitalOne attempted to make me responsible for this unauthorized refund/ withdrawal from my account when I clearly informed them that I have never initiated this transfer of monies. CapitalOne told me to call XXXX XXXX XXXX XXXX who made the transaction. I contacted XXXX XXXX XXXX XXXX just to be told that they can not see the transaction and that I need to call XXXX the Bank directly. O contacted the bank and they informed me that they couldn't see the transaction. I contacted XXXX XXXX XXXX XXXX again to be told she can not see It either. I reached out to CapitalOne again on XX/XX/XXXX evening time and was informed by CapitalOne that they no longer want a bank relationship with me and that they are restricting the account to shut it down while the account is still negative and a fraudulent transaction still exist. Then, CapitalOne removes the overdrawn balance from the savings and leave the existing -XXXX in the checking account. CapitalOne representative, XXXX responds that I am responsible for this transaction that I never authorized again. No to mention CapitalOne left me on hold for over 1 hour.  Then CapitalOne tell me that a debit card that was on the account since XXXX wasn't suppose to be there after 11 years. I requested that they close the account as long as they can resolve the fraudulent transfer but they refused. Now, I'm still on the line trying to resolve this issue. More people were involved in this incident which includes : XXXX- XXXX  XX/XX/XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX-XXXX-XXXX  CapitalOne XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX XXXX  XXXX-CapitalOne XX/XX/XXXX XXXX XXXX  approx. 
XXXX XX/XX/XXXX @ XXXX XXXX  - File a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: CA

Complaint narrative:
On XX/XX/XXXX, I received a fraud check from a fake company that contacted me through a XXXX  contact, I deposited in my Wells Fargo account using the mobile app thinking it wouldnt clear if it was a fake check. The money cleared the next day XX/XX/XXXX.I figured I should wait 7-10 business days to make sure, I called Wells Fargo to talk to a Wells Fargo Account Rep to ask if the check had cleared she stated the check did process and clear and the company was a real company the Money was in my account and I didnt have to wait. After asking a second time could she make sure to make sure the money was clear and couldnt come back out if the checked bounced she stated the company money cleared and its in your account now and cant be pulled out or bounce. This was a fake customer survey company it asked for me to take their money they sent and purchase certain girt cards XXXX XXXX is what I bought {$1500.00} 3x {$500.00} cards from the {$1800.00} they sent, Most of the rest was my commission. I used my XXXX credit card to purchase and paid it off with the money they sent me. After I finished the assignment and sent them over the info, the gift card info and survey worksheet, Monday XX/XX/XXXX my bank contacted me saying I had deposited a fraud check. I I then contacted the bank to start fraud process, worked it all the way up to 3 different departments as high as I can get, they listen to the phone recording verifying the rep confirming what I said, and stated it could take up to 6 month for a check to clear some times. I they couldnt do anything about it even know I was scammed. The FBI is now involved and police, Ill see where it goes.

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 2020-02-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I told them Im willing to pay and asked if they can stop calling my job due to it being unacceptable and they continue to only call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
QUICKEN LOANS a/k/a ROCKET MORTGAGE IS HORRIBLE. THEY DO NOT MAIL OUT TIMELY BILLING STATEMENTS AND DO NOT TIMELY APPLY PAYMENTS. IT IS ALMOST AS IF THEY WANT PEOPLE TO DEFAULT. THEY DO NOT SEND OUT STATEMENTS AFTER THEY RECEIVE PAYMENTS. 

THEIR SALESMAN ARE OBNOXIOUS. THEY KEEP CALLING ME AND ASKING ME TO REFINANCE MY LOAN. I TELL THEM THAT I AM NOT INTERESTED AND THEY KEEP BOTHERING ME. IT IS ANNOYING. I WOULD NOT TAKE OUT ANOTHER LOAN WITH QUICKEN AND WOULD NOT RECOMMEND THEM TO ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PR

Complaint narrative:
The Fedloan Servicing, US Department of Education Federal Student Loan Agency stop to send me letters after I was on bankruptcy. Then on XXXX they send me a letter but I dont have how to pay the loan and I wait, but Huracane Maria pass through XXXX XXXX and I move to XXXX, then to XXXX  and I lost communication with the Agency. My complain is that the Agency fail to contact me again when I return to XXXX XXXX and also fail to communicate that they pass the debt to a privacy company that I dont know the name. My address fromXXXX XXXX still the same and my telephone number is the same, so why they fail to contact me to make a deal and pass my case to a Private Agency that retain illegally my Federal Refund with out previous notice. The law said that they have to contact me to inform that they are going to retain my refund. The law said that the private company have to contact me to let me know that they have my case. That I have a debt with the Fed Loan Company, and they have the intention to collect the money to apply to the Federal debt payment. They never do that, all they do is not under the law. So I want my refund back and I want my case with Fedloan again. Thats my complain. 

My name is XXXX XXXX XXXX Fedloan Account : XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have credit score of XXXX but still my card application is denied due to the reason : We weren't able to verify your identify. 

Then later the reason is being mentioned that " Too many recent inquiries '' Please refer to the following CFPB complaints : XXXX ( XX/XX/2020 ) XXXX ( XX/XX/2020 ) I called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/2020. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

So essentially, every time Chase has a different reason for denying my credit card applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have written to TD Bank three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Checked my credit and saw two accounts from capio partners for XXXX XXXX XXXX XXXX in the Amounts {$200.00} and {$250.00}. I never received notice of those debts and theyre HIPAA violations. I didnt sign a medical release for my billing information. Medical billing codes are Just as confidential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Follow up complaint ID XXXX Capitalone reply did not address my concern at all, it did play games. 

Please read carefully my complaint and their reply. 

They did not address the actual issue. 
It is not for a credit, but for a charge which I did not purchase ( cancel ). 

I need you give me Capitalone higher level manager office email and phone so that I can contact them, I consider CapitalOne credit not good, I will not use them any more if they do not fix. 
Thanks. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020, two bank accounts at Bank of America were opened using my identity AGAIN. This occurred in XXXX and I was assured of investigation. There was never really a conclusion as to how my personal information was allowed to be used to open a checking and a savings account. When this happened in XXXX, I immediately contacted the 3 credit bureaus and 20 other agencies. I thought this was an isolated incident. I was shocked yesterday to I receive 2 separate letters ( which had gone to my old address in Wisconsin ) in the mail from Bank of America telling me that they had closed two new accounts ( on XX/XX/2020 ). I phoned Bank of America and spoke with their fraud department who assigned fraud claim numbers. I am concerned that this will never stop happening. Twice today I have tried to phone them and each time I'm on hold and never get through to anyone. When I did reach someone very accidentally, I was asked to provide my phone number which evidently did not agree with whatever was on these ( now closed ) accounts.

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 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
Checked credit and saw an account from collection bureau of ft Walton beach for XXXX XXXX in the amount of {$210.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
Checked credit and saw an account from Merchants Adjustment Service for XXXX XXXX  XXXX  in the amount of {$120.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I have noticed that my numbers on my dash board are not correct, for a example they're not having the accounts reflect ( they're saying I've 5 accounts resolved & only two accounts have been resolved one account was resolved last year, & one account this year.I started the program in XX/XX/2019, paid out over $ 5.000.00.They have listed on my dash that I've 22 accounts listed in the program which is not true, I only have a total of 13 in the program. I remove some accounts from the program ( over 10 from the program ) I ask them if I can lower my payments, they refused to bring my payments down. 
In the beginning I was paying XXXX twice a month, now they're charging me {$180.00} twice a month. I ask them if I end the program will I get my money back, the answer is no. 
Deceptive practices .... 

Freedom runs my credit report regularly to check to see if anything new on my report, I will receive a email mention have found a new issue on my credit report, which in response I would let them know where are you finding these accounts from, because I've my reports from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Checked credit and saw an account from JPMorgan Chase in the amount of $ XXXX. I couldnt get any help with payment deferment or discharged due to undue hardship. I was a homeless vagrant for a few years with no job. Im currently living in between my mom and a shelter. Im also back in school as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: GA

Complaint narrative:
my wife and I went online to reserve a hotel room online my credit card was charged {$270.00} XX/XX/2019 XXXX Florida

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 2020-02-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. XXXX XXXX XXXX XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} million class action settlement. 
HIPPA

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 2020-02-29 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: LA

Complaint narrative:
To Whom It May Concern, I have supplied Equifax a letter from XXXX XXXX XXXX saying that they have requested the removal of the accounts from my credit report that Equifax does not remove the account. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

Company response to consumer: Closed with explanation