vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal chose to suspend my account because they issued a dividend to me on XX/XX/XXXX and then withdrew the dividend on XX/XX/XXXX, so 100 % a paypal error. This was a dividend of {$2.00} so they are showing a negative balance because of their error. I immediately initiated a bank transfer to send them the negative balance, but this takes 3-5 business days. The only option to replenish the funds faster is through an instant transfer which carries a {$3.00} fee. 

Paypal is acting as a predatory institution. All I want is use of my account that is now shut off because of their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 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 — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
Suntrust bank and XXXX  is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent charges of {$830.00} made at the XXXX XXXX in XXXX MD were put on my credit card by Capital One. The purchases were made with another credit card on XX/XX/XXXX. 
A Capital One representative called me about the suspicious charges on XX/XX/XXXX with a card that ended in the four digits XXXX. I told her I had no such credit card ending in those numbers. She called me back on XX/XX/XXXX and said it was a non-existent card. I was told by her the matter was over. On XX/XX/XXXX Capital One mixed the fraudulent charges with my actual purchases, confusing all the interest charges. The charges were in dispute at this time. 
Capital One threatened to leave the fraudulent charges on my card, if I did not send them a clear front and back copy of my Driver 's license. 
Capital One refuses to address the issue at the center of these fraudulent charges. That is ; How can charges be placed on my credit card when the XXXX XXXX supervisor in XXXX MD told me my card was not the card used to make the purchases? And how can a non-existent card clear?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX. The XXXX was financed in XX/XX/XXXX by XXXX XXXX ( XXXX XXXX ). 

XXXX and I left the XXXX at the XXXX dealership and took possession of a XXXX XXXX XXXX. We were of the expectation that within 10 days XXXX would be paid in full for the XXXX XXXX. 

In XX/XX/XXXX, we saw a 30-day late on our Experian Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to XXXX and Experian and XXXX stated they were not going to change the report. Experian suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to 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 non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Missed a payment on care credit card, they have emailed, texted, and call at least 3x a day, and leave at least one voice mail a day. This is harassment.

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 non-monetary relief
Consumer complaint received 2018-04-27 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: MD

Complaint narrative:
Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Us Dept of Education/Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
After XXXX yrs with previous cell phone carrier I recieved solicitation to switch to XXXX for better rates, service and product. I quickly found this all to be a lie and false on all accounts. Due to immediate billing errors my account was disconnected for none payment several times before i even recieved my first bill and maybe a few days after recieving my device. This after making deposits/payments upon initial setup and after I turned in my equipment. I immediately notice things like the inability to use the internet or navigational system while on a cellular call which i was told was a device or setup issue then later told it was a function that XXXX didnt offer after I passed the window of refund. I continue to experience billing errors because the account was setup wrong, disconnection and restoral charges from what they call system errors from improper intial disconnections, ignored payment arragements, etc. I was told that credit would be applied for the errors but pay the bill with billing errors or my account would be disconnected agein.This went on and credits were never applied and errors continue.. Finaly, I had enough of this nightmare, was instructed to return the equipment to their store. After this was done, they charge me over {$2300.00} ( including full balance for returned equipment ) and I was told that this was the accelerated balance for terminating the contract for terible service. They said its their policy and I was attached by XXXX collector and the balance was placed on my credit reports. After months of dealing with the collection agencies bulling and XXXX pretending they cant find the returned equipment-do I have the reciept from the store. I was told by some who said they were a corporate manager and he laughed at my experince and said if I wanted this to go away I should pay the bill regardless of terible experience, account billing mistakes and returned equipment charges that they also added to the false billing. He told me this was the company policies regardless of what consumer experience or reason for terminaton. The bill include over {$1200.00} cancellation charges, over {$400.00} in additional equipment charges for returned equipment almost {$700.00} in false billing and errors. I was told to pay then they will review it and maybe refund my money later or " IT WILL STAY ON YOUR CREDIT REPORT! '' and collection activity will continue. They then offered me a {$200.00} reduction if I settle and pay the remaining balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I discovered a debt owed to Citibank on my credit report while attempting to finance a new home purchase. we contacted Citibank to settle up with them but they are refusing take payment or work with us in any way due to the account being in an " unworkable status '' thus holding my credit hostage. i spoke with XXXX id # XXXX who refused to work with us or escalate the contact to somebody who could. we just want to pay this and get it off our credit report.

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 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: CA

Complaint narrative:
XX/XX/XXXX, 2018, Prince Parker send me a letter to collect {$340.00}. 
I called them that this is a wrong collection, but they asked me to call XXXX XXXX XXXX, I contacted XXXX XXXX XXXX many times no way to resolve the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Upon reviewing my credit reports I noticed a collection account listed by XXXX XXXX that I did not recognize. This account shows on my credit reports as owing {$570.00}. I sent a certified letter to XXXX XXXX dated XX/XX/XXXX disputing this debt and asking for validation of this debt with competent evidence bearing my signature showing that I had an obligation to pay this company. On XX/XX/XXXX I received a letter back from XXXX stating they were uncertain of what I was disputing, and also sent a billing statement that I have never seen before. They did not include what I was asking for, validation the account was mine bearing my signature. Also the amount they are now claiming I owe is different from what they reported to the credit bureaus. I then responded with another certified letter informing them they they have failed to provide me with a copy of any viable evidence bearing my signature that the account is reporting accurately and also asking for proof that I have some contractual obligation to pay them the money they are claiming that I owe and asking them to delete this account from my credit reports if they can not provide a contract with my signature. I received a response dated XX/XX/XXXX stating again that they are uncertain of what I am disputing and providing no other information, and no evidence bearing my signature that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
I owned a " XXXX '' corporation and had both my personal and corporate accounts at Wells Fargo. I have closed and dissolved the corporation. I had a XXXX XXXX subscription for the corporation. That subscription was stopped last year. Since then, despite repeated requests Wells Fargo has been charging my PERSONAL ACCOUNT, an account that was never authorized for XXXX XXXX a {$14.00} fee every month for software access.

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 2018-04-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I came to Sears store to purchase a mattress. I was offered by the Sales Associate to open a Sears Credit Card and if i spend {$1500.00} purchases the first 90 days, Ill receive {$150.00} store credit. I accepted the offer and opened the credit card. Once The Sales Associate finished the transaction, I noticed there was {$60.00} credit due to I used the card to make the first purchase at Sears store. I asked is this part of the {$150.00} or in addition to the {$150.00} and was told It is another promotional offer from the store. To be sure, I called in to Sears credit card and was confirmed by customer service that the {$150.00} will be credit within 1 or 2 billing cycles after the 90 days. 
Its the end of XX/XX/XXXX, I spent more than the required XXXX but i dont see the {$150.00} credit to my account, So I called Sears to follow up and was told the {$60.00} is all the promotional offered I got. I explained to them and they confirmed there was a call i made in XX/XX/XXXX regarding the {$150.00} but since i got the {$60.00}. They cant issue me another reward. 
I escalated to a manager who was very rude and told me there is nothing he can do. I stated Ill file a complaint because this is falsified marketing scam and he said go ahead. Attached is a screenshot of their promotional offer posted on their website as of now. I would like the CFPB to fix these marketing scam to protect our consumers. 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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
The company calls me repeatedly at XXXX. I have tried to call to even find out why they are calling and they wont tell me. They argue saying I live in Indiana when I live in California and have never lived in Indiana. Wont tell me what they claim they are calling for. They hang up on me when I ask for a supervisor or tell me one will call back and they never do. 

They just harass me!

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: ND

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BTH Management
State: GA

Complaint narrative:
The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I pay a card fee for my chase sapphire preferred card because it provides purchase protection up to {$500.00}. When selecting credit cards I had many options, it was this advertised purchase protection that made the chase card stand out to me and was one of the main reasons I selected it. 

The purchase protection is run by a 3rd party XXXX XXXX XXXX ( XXXX ). Their negligence in completing my claim has resulted in me making over 12 calls over 7 months ( their websites claims to complete claims in 5 days ). The incompetence of the staff at XXXX results in them not being able to providing a service that I paid for, this is theft. The amount of calls I have had to make and invest my personal time results in reduced productivity at work, not to mention the personal stress this is causing. 

On XX/XX/XXXX I made a claim. XXXX promotes that it takes 5 days to file a claim and received a confirmation email XXXX attached ). 

On XX/XX/XXXX I moved and updated my address with Chase. 

On XX/XX/XXXX I had not heard anything so I called XXXX to see if they needed more information or anything? I called once in the morning and spoke with a representative named XXXX and once in the afternoon with a representative named XXXX. The calim was ruled in my favor for the full value of {$500.00}. They said they had everything they needed and the reasons that it took longer than 5 days was an internal hang up. They assured me the check was on its way. 

On XX/XX/XXXX. I still hadn't seen the check so I called again. They had sent it to the old address. Note that I updated my address with Chase. Its not my responsibility to call each and everyone of their 3rd party contractors to update my personal information. Therefore, XXXX 's excuse that they had the wrong address on file is not valid. Specifically since the claim should have been handled in the time between I filed it and when I moved. So I gave them the updated address and they assured me it was on its way. 

On XX/XX/XXXX I still had not seen the check so I called. 

On XX/XX/XXXX I called and still had not seen the check. 

On XX/XX/XXXX I called twice because I still had not seen the check On XX/XX/XXXX I called again. They assured me it would be handled that day and I would revive an email. I have not heard anything. 

I am fed up. I believe I have done my part, provided the information they requested. They need to be held accountable to ( 1 ) pay me ( 2 ) refund my card fees since they were not able to deliver services we agreed on ( 3 ) be investigated for theft. 

Thank you, XXXX

Company response to consumer: Closed with explanation