vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
Medical Data Systems Inc. I sent out a letter to this company for Validation of a debt from XXXX XXXX 2013. I received a debt verification and nothing with my signature on it giving them permission to my medical records. They sent the procedures and outcomes claiming it as a itemized bill, which violates my hippa rights. They claim the hospital gave them rights to collect the debt, but I havent agreed to such action.

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 2018-01-18 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In 4 years of payment history, Wells Fargo is showing 2 miss payments. I called to resolve the issue, but they are unwilling to work with 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 2018-01-18 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: DISCOVER BANK
State: AR

Complaint narrative:
" XXXX XXXX '' XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX CHN TERMINAL ID : XXXX XXXXXXXXXXXX CNY Amount charged in USD : {$570.00} I visited this location and purchased a minor item for XXXX as shown on the menu. I was over charged XXXX and was unable to dispute the transaction with the vendor, as they were unable to speak english.

I followed up with a call to my Credit Card, Discover IT, who placed the dispute.

The charge was then reversed when the vendor claimed I recieved and signed a reciept with an invoice of items purchased. A receipt copy was faxed to Discover and provided to me on the Discover website.

I tried then again, to dispute, as the amount was wrong from what I ordered and what I was billed. And the receipt given has a poorly forged signature imitating my name.

Upon contacting Discover repeatedly, and filing in house complaints. I 've received no further information on how to continue this dispute, and any discussion with the representatives at their line of business, state a complaint is filed and end the call prematurely, providing no resolution, or proof of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 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: OH

Complaint narrative:
On XX/XX/XXXX I disputed inaccuracies on a public record bankruptcy on my transunion report. On XX/XX/XXXX transunion responded that it had been updated. The information they gathered is not from the bankruptcy court as they have informed me by letter that they do not validate debts. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. Public records information is NEVER validated by the US Court sudden due to Fair Credit Restoring Agency PRIVACY LAW. They also closed student loans that are not closed staying they are included in a bankruptcy. There is no confirmed or open bankruptcy. This has made it impossible to obtain any credit.

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 2018-01-18 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.

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 2018-01-18 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.

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 2018-01-18 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: GA

Complaint narrative:
I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I JUST RECEIVED A LETTER STATING THAT THEY WILL NOT REMOVE INCORRECT INFORMATION THAT THEY HAVE REPORTED ON MY CREDIT. I HAVE FILED A COMPLAINT WITH THE CFPB BUT NOTHING HAS BEEN DONE. I 'VE ASKED THIS COMPANY SEVERAL TIMES TO SEND ME PROOF THAT I SIGNED FOR THIS LOAN/ACCOUNT ALSO ALSO ASK TO SEE THE VALIDATION OF DEBT LETTER. IN WHICH THIS COMPANY REFUSES TO SEND ME. I KNOW THAT.S AGAINST THE LAW FOR THEM NOT TO SEND ME THE INFORMATION I REQUESTED. I 'VE ASKED THEM TO SEND ME THE SIGNED CONTRACT FOR THIS ACCOUNT, BUT THIS COMPANY REFUSES TO SEND ME THIS INFORMATION. THIS IS AGAINST THE LAW. I 'VE SENT PROOF SHOWING MY NAME AND ADDRESS AND THE ACCOUNT THEY ARE LISTING IS INCORRECT. I NEED FOR THE CFPB TO HELP WITH THIS ISSUE INSTEAD OF CLOSING THIS ACCT WITHOUT SENDING THE ITEMS I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
BANK IS BLOCKING MY ACCOUNT FROM MAKING TRANSFERS TO XXXX XXXX. BANK IS NOT ALLOWING ME TO LINK DIRECTLY ON THEIR WEBSITE FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: FL

Complaint narrative:
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
NO CONTRACT WITH THIS COMPANY ABOUT THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MA

Complaint narrative:
OnXX/XX/XXXX my student loan service was transferred to AES. Previously my loan servicer was XXXX. My XXXX bill was paid electronically to XXXX ( {$300.00} amount ) and cleared thru my bank on XX/XX/XXXX. My loan was transferred to AES as stated much earlier, XX/XX/XXXX. My account was then handled by AES and I also paid them {$300.00} for XXXX.bill, not realizing at the time that XXXX cashed my payment, 2 weeks later. I have called XXXX  many times and they told me they would be forwarding the {$300.00} to AES which apparently has n't happened. AES has denied seeing any additional payment. Both companies will not tell me what happened to my additional payment of {$300.00}. I have called both companies and both tell me to call the other. XXXX has been adamant in saying they they transferred funds but it has n't happened. And they have been somewhat hostile with my questions. Any info would be helpful. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
XXXX XXXX did not give me a receipt or a copy of terms

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Good Evening, My identity is at risk. I 'm a veteran that 's going through a tough time and needed my credit repaired. A guy offered his services to me and seemed like an actual business ( business websites, XXXX videos and other social media 's outlets ). I paid for the service of {$750.00} ( XX/XX/XXXX ) and followed his instructions to place a " freeze '' on my credit ( XXXX XXXX, XXXX, XXXX and etc ) and never heard from him again with no results. So I called my bank ( Navy Federal Credit Union ) on XX/XX/XXXX and asked if the bank would look into situation and they said they could not help. Then, I called the companies mentioned to have the " freeze '' removed and ask about how to submit a fraud alert to credit bureaus and later that same day the guy texts me saying I should see results soon. I 'm thinking since he 'd my information and probably could see if I removed the freeze at anytime, that would signaled him to start his next phase of fraudulence to contact me to keep me calm. 

I have all the texts and information I sent him, his name, email, phone number, business name and bank information ( but I would not be surprised if he changed all of this ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: MD

Complaint narrative:
They said the info I disputed was verified, without providing me with the proof.

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 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: WA

Complaint narrative:
I have disputed an account showing on my TransUnion credit report starting in XX/XX/XXXX. I contacted the company which was reporting and they sent me letter saying my account was closed in XX/XX/XXXX. I sent TransUnion a letter to prove so. It did n't fix the problem. They said it was not the same account. I called the company with the account number provided. Not only did they say that the account number was not mine, it did n't even exist in their system at all. I then disputed with TransUnion that it was not my account. Since the company shows my account number and that one being different, and the company also shows this account does n't exist on their system. TransUnion has disregarded my attempt to dispute this item. This is fraud and I am pissed.this is affecting 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 explanation