vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
On XX/XX/2018 I went into Bank of America to open a checking account, due to having a new job that requires direct deposit. When I attempted to open the account, XXXX of Bank of America at the XXXX location, informed me that I could not open an account due to my social security number had been used to open an account already. The only other information she had provided me with was that the birthdate used for the account was a day off of my birthdate. I have never opened an account at this bank. I have only ever had an account with XXXX XXXX, and that account has been closed for over a year.

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 2018-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
paypal is charging my paypal credit instead of the preferred payment settings, which is my checking account, they started doing this once I got the credit card and the preferrerd payment is set to checking account, they stated so internal security would let it go through my checking account so they choose to use the credit card, started back in XXXX of this year, my checking account has been confirmed and used before I got their credit card, they doing this to make me pay interest on the card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2018 I received notice that Experian verified a Chapter XXXX bankruptcy that is currently displayed on my credit report. I have never filed bankruptcy nor have I ever been associated with the address linked to the Ch. XXXX bankruptcy which is also displayed on my credit report. When asked for method of verification via phone, I was referred back to the creditor listed in the entry. I contacted the Bankruptcy Court via phone and was informed that they do not provide anyone with the debtors full social security number and they do not provide any credit bureau any information relating to any bankruptcy cases.

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
So I applied for a XXXX  rewards card from chase. I got a notice that they needed more information so I called them. The woman on the phone told me that they felt I had too may credit cards. So is there a limit as to how many I can have? Who does Chase think they are to tell me how to manage my money? They never disclosed that there was a limit to how many cards I can have! Will this impact my credit report? Whats even on my credit report now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
XXXX XXXX company put this account into collections in my name, in the amount of XXXX dollars for an XXXX room doctor. 
XXXX XXXX XXXX XXXX. In XXXX, La. 
They are asking for payment for only the XXXX room doctor. 
Im already making payments to For this XXXX room visit. 
The bill for the entire visit is considered one and includes the services provided. 
So to now request a bill only for the XXXX room doctor ; would be considered double billing. 
I am still making payments for the XXXX room visit from XXXX, 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After I applied for a XXXX Citibank card in late XXXX I received a letter ( attached ) requesting to provide a copy of the US Passport, US Voter Registration Card or US  Green Card. I don't have any of them as I am in the US on working visa ( was a student before ). The bank representative said that they can not continue with my application. 

In my opinion this is a discrimination based on XXXX XXXX as it was the sole reason they can not give me the card. The bank representative assured me that they don't discriminate and any person can obtain the credit card if they provide copies of requested documents ( yes, that makes total sense to them, go figure ). Well, how about the people who are here on XXXX, XXXX and other visas?

As far as I read about the rules regarding credit card application process, a creditor may take into account applicant 's XXXX XXXX but can not make a decision based solely on that. 

I have successfully obtained multiple credit cards in the past ( XXXX, XXXX, XXXX ), the last one as recently as XXXX of this year. I have good credit history and excellent credit score. I never had to provide any proves of my XXXX, let alone being denied based on that. 

Please, help me to reach the bank for comments. I am upset that such discrimination is allowed in today 's world. 

Thank you!

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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I bought a XXXX laptop online for {$2100.00}. Unfortunately, the product did not perform well to my expectations, but I had to keep the product because I can not return after 30 days plus they would also charge for restocking fees and shipping. I am also dissatisfied with the purchase because XXXX XXXX promotional offer was misleading me to buy the product, thinking I would make full payment same as cash by 18 months and pay evenly for every month. On XX/XX/XXXX, I called and filed a dispute, a rep told me that I will not have to pay for interest while in the process of investigation. But when I received the statement, it was frustrating to see that interest is continuing to accrue. No one called me right away to notify me by phone or at least by EMAIL that my dispute has been cancelled, but just send a letter that I received more than 1 week later. 

XXXX XXXX XXXX is no longer contracted with XXXX. I have sent in a request to have the right not to pay the remaining balance if I am not happy with my purchase as instructed on the statement on XX/XX/XXXX, but I did not received a respond until today. 

I have also contacted a lawyer, but I can not pay the fees. It is distressing to go through this process as I can not pay the fees, unhappy with my purchase, the company is ignoring my hardship. Furthermore, it is an unfair business practice to mislead ads and not have a AUTOMATIC PAYMENT WITHDRAWAL option, the customer would have to remember to make payments every month. They need to change this as it can be frustrating for customers. My interest in now {$780.00} when I missed making a full payment in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a savings and checking account on line for Citi bank. I could not fund it until I got the debit card which I did get a week later. I did trial deposits at another bank that were verified and I then made an ACH from the external bank to Citi. The night ( XX/XX/2018 ) before the amount was to be credited to my citi bank account they cancelled the transfer as they said the names did not match. That was not true and I verified it with their person but it was too late to reverse. So my {$15000.00} is now floating somewhere to be credited to my external account in 3-4 days. This is totally un excusable and possibly illegal and your help is appreciated so no one else gets taken by Citi

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 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I filed a compliant against First Federal Credit Control on XX/XX/XXXX and XX/XX/XXXX advising the following : Providing a bill/ statement is NOT a form of VALIDATION it is a form of VERIFICATION which is NOT what I requested. Verification means establishing truth and accuracy. Validation means to provided the legal proof of this truth and accuracy. Proof of validation includes leases, promissory notes, contracts with an original signature. I requested full documentation of the validity of the alleged debt with a contract bearing my signature. Which the collection agency still has not provided. Although the validation notice was sent on XX/XX/XXXX to the right address, however, the notice arrived in my mothers name, which technically I did not receive and also which is a VIOLATION OF HIPAA. The bill provided by the collection agency on XX/XX/XXXX also listed my mothers name as a patient and under the insurance information which is a VIOLATION OF HIPAA. The information presented by collection agency is inaccurate. I am not on my mothers insurance and my mother doesn't have medical insurance currently. The documentation provided violates my rights as a patient. The collection agency stated that their records are correct and accurate which is FALSE. My mother should not be listed on this account at all for any reason. My mother should also not be included in the bill/statement provided. ALL DOCUMENTATION PROVIDED IS INVALID AND INACCURATE. It is the responsibility of the collection agency to make sure that the information provided by the original creditor was indeed accurate and correct which includes the insurance information to which they have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a payment to XXXX XXXX through my Bank of America Checking account on XX/XX/2018. The funds were taken from my account. Later on that day I had to overdraft my account from a BofA atm. I was charged an overdraft fee for the atm withdrawal, which I agreed too. I was also charged a fee for my XXXX XXXX Payment which is very unfair. They say that it is because of the order of charges onto the account, although the funds for my XXXX XXXX payment was already taken. It is very unfair for BofA to rearrange the order of transactions and charge an additional overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Diversified Consultation has been harassing me about a debt with XXXX XXXX that I do not owe. I have made numerous attempts including speaking with customer service to resolve the issue. At no time have I signed a contract with XXXX XXXX. Diversified has not been any help with resolving the issues, neither are they able to provide me with any legal documentation holding me accountable for the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX The Fraud and Misconduct continues by SHERMETA LAW Group PLLC! This is with regards to information obtained from the Plaintiff, XXXX XXXX. See included letter from XXXX XXXX stating that on XX/XX/XXXX XXXX XXXX was issuing a Cease and Desist and stopping all collection efforts and closing the account with SHERMETA LAW Group PLLC which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then SHERMETA LAW Group PLLC has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if SHERMETA LAW Group PLLC had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to SHERMETA LAW Group PLLC by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that SHERMETA LAW Group PLLC be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX   '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.

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 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX File # XXXX Plaintiff : Capital One, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXXXXXX & XXXX The Fraud and Misconduct continues by XXXX XXXX XXXX XXXX! This is with regards to information obtained from the Plaintiff, Capital One. See included letter from Capital One stating that on XX/XX/XXXX Capital One was issuing a Cease and Desist and stopping all collection efforts and closing the account with XXXX XXXX XXXX XXXX which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then XXXX XXXX XXXX XXXX has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if XXXX XXXX XXXX XXXX had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to XXXX XXXX XXXX XXXX by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that XXXX XXXX XXXX XXXX be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Got approved for a XXXX loan in XXXX of 2017. My payback was XXXX monthly starting in XXXX. My pay off amount is about XXXX - XXXX. I asked to pay of the loan because nothing is being applied to the principal it all going to the interest. They keep telling me I cant I have to pay the full amount. There was nothing stating the interest rate. I dont have a problem with paying back the XXXX beings though I have already made 6 payments in the amount of XXXX but they will not go for it. This place is a rip off and I have already ask them to stop taking payments out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of 2018 I called Chase Auto Finance to request a 60 day extension on my Auto Loan. Due to the the fact I was having a financial difficulty and I needed the extension not only to get caught up but to get some breathing room due to the past few months have been very hard on me financially. My spouse fell ill and has not been able to work leaving me the primary caretaker of our home and children. So prior to the call my reason was that and in XXXX of 2018 I was a victim to damage to my current car that I requested the extension on. I was driving down the highway and someone transporting bulk waste didn't tie down the contents and debris came and hit my hood windshield and undercarriage. I was not able to catch up to the car due to the accident it cause I had to pull over. So I have to pay for this out of pocket and the expenses are well over XXXX. This includes repairs and rental car and fuel. I just needed help. So I called Chase explained this to them today XX/XX/2018 I was told that I as eligible transferred to a specialist explained my position and was denied. Keep in mind my account has never been 30 days late ... I always pay between 7 - 17 days past due. I have never had a late fee until now and I have had this loan going on 36 months. I need help and I need my 60- day extension granted so that I can pay my loan

Company response to consumer: Closed with explanation