vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I attempted to open a Secured Credit Card with Discover. After they auto debited {$1000.00} from my checking account, I got an email that stated the following : Dear XXXX XXXX, We are writing to notify you that we have closed your Discover it chrome card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account.

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account.

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly.

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security When I contacted them to have my funds immediately returned, they indicated their normal process is returning the funds within two billing cycles. However, they closed the account, so my funds should be refunded immediately. 

They then indicated they sent a check on the XXXX of XXXX, 2020 ; however, not check has ever arrived. Also, they could not provide a check number of the check that was supposedly sent. I seriously doubt they ever sent one. They could not provide a tracking number, or any other information to confirm a check has been sent.

I would like to file a formal complaint of fraud, and possible wire fraud, regarding Discover in regards to this issue, as they auto debited my account with no intention of ever opening an account, with the intent to steal and defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: MD

Complaint narrative:
This company Everest Receivable Services calls my phone number every single day, from multiple numbers beginning with XXXX area code. This has been going on for about a month now. A few times a day they call. They just called this morning XXXX/XXXX/20. Only once have they left a message looking for a lady named XXXX. I called them and explained they had the wrong number my name is XXXX and to please not contact me again. This was a week ago. They still persistently call at least 5 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: PA

Complaint narrative:
On XX/XX/, 2020, I opened an account at Gemini ( https : //gemini.com/ ) and submitted all identify verification information, including my social security number and a photo of my Driver 's License. At that time, since it looked like an interesting cryptocurrency platform, I referred 12 friends to Gemini via their referral program ( receive {$10.00} in BTC for each friend you refer after they buy or sell {$100.00} ). Shortly thereafter, I received a message that my account was frozen. As advised in that message, I contacted customer support by submitting a ticket at https : //support.gemini.com/hc/requests/new explaining that my account was frozen, and offering to provide whatever information is needed to unfreeze it.

Over the next two weeks, I submitted six different support requests via support tickets, via email to XXXX, and via phone to XXXX ( which just goes to a voicemail system ). I did not receive a single response until my sixth communication attempt on XX/XX/, 2020. I received a generic/boilerplate reply on that date as follows : -- - Hi XXXX, Thank you very much for your patience. 

Our Compliance team is diligently working through all registrations while maintaining the highest level of account validation standards to ensure the security of all of our users.

Please be sure that your submitted ID is a clear image of your Driver 's license ( US or XXXX residents only ) or passport as verification process as obscured or blurry images can cause delays to your verification. 

We truly appreciate your patience during this process and will notify you by email of any next steps. 

Onward and Upward, Gemini Customer Support -- - Then on XXXX XXXX, 2020, I received this email : -- - Hello, Due to a recent account review, Gemini has determined your account must be closed. At this time, we are not able to elaborate on the specifics for this decision. 

If your account contains a balance of USD and/or any supported digital assets, you will have 5 days from the receipt of this email to withdraw the entirety of your funds, at which point your account will be closed. 

If your account is closed and a balance remains, please email XXXX. 

Thank you, Team Gemini -- - Of course, my account is still frozen, so I'm unable to withdraw my approximately {$140.00} in funds. I sent a reply to that email requesting that they transfer my funds to a different BTC wallet, but I doubt I'll get a response before my account is closed in 5 days. 

Gemini appears to be a complete scam, convincing people to sign up, then stealing their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, 2020, I was at home recovering from a bad cold. I received a call from TD Bank at approximately XXXX along with a text with the message : Did you make a purchase at XXXX for {$180.00}? I immediately said NO and then a phone call immediately followed from TD Bank. After identifying myself as the account holder, your fraud specialist concluded that someone was using our account maliciously. They ran off several charges that were being made within a 1.5-hour time slot. TD Bank cancelled the card immediately and determined that neither myself nor my husband was using the card. BTW while your banking person was notifying me of this fraud, my husband was in the car driving from XXXX. At that moment, it was determined that FRAUD had been done. 

On XX/XX/XXXX, I received a letter from your Disputes and Claims department stating that after your investigation, you determine that NO FRAUD DID NOT OCCUR. Seriously! We all knew that fraud was occurring, has occurred and yet you sent this ridiculous letter saying there was none. 

I took the liberty of forwarding this letter to XXXX XXXX XXXX XXXX, a television program that exposes and helps victims like myself with issues of this nature. They will televise and interview me as well as your bank to get to the bottom of this. I will also forward this to the Consumer Financial Protection Bureau to alert them of this practice. My husband and I work very hard to make ends meet. We sometimes must work more than the normal 8 hours because of how the economy has gotten more expensive to live. The last thing we needed to see is that {$310.00} was removed by some criminal using a card that was lost and now it seems like we are getting the same type of disregard from TD Bank. Shame on you! Ill await your response. 

Regards, XXXX XXXX Account Number : XXXX XXXX Mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Before Source Receivable Management bought this account, I had disputed this account with two other collection agencies. Both XXXX XXXX and XXXX XXXX agreed to stop collection on this account due to unverifiable documents. I ask Source Receivable Management for supporting documents that state that this account belongs to me and if it is accurate and nothing has be received. I disputed on line and also in writing. They have reported to the bureaus that the account has been verified but no documentation has been presented. How can they verify if two other companies could not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased a XXXX XXXX. At the end of the lease- XX/XX/2019, I returned the vehicle to the Dealership. Now Toyoto Finance is charging me for a left rear tire slashed and the front window broken. The car did not have these issues when I dropped it off with the Dealership. The Finance company sent me a letter dated XX/XX/2019 ( practically two months later ) requesting me to pay {$590.00}. I have been in conversation with them disputing these charges, they dropped it to {$500.00} but said this is a verbal offer only and will not send a new invoice. They continually call me ( I blocked ) their number. I have been in touch with my Salesman and he said to just ignore them. Then I got in touch with the Leasing Mgr. & the Customer Relations Director.  They said an inspector ( not part of their team ), inspects the vehicle for wear & tear. They were concerned why it took them so long to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I PAID OFF DEBT FROM XXXX AND CONVERGENT OUTSOURCING REMOVED IT IN XXXX FROM THE CREDIT BUREAUS. 

they just place id back on my account 0n XX/XX/XXXX. I can not refinance my house at this time because of that, I need this resolved asap 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 2020-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
I DO NOT have a Fed Loan? why is this on my credit report. I have never signed paperwork for any fed loan in the last 30 years? please have this removed from my credit. I have gotten calls from them and they said I would be removed from this????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
In a previous complaint : XXXX XXXX XXXX XXXX   XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX  submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 -  These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in  an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. 
( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer,  is XXXX XXXX. The CEO of XXXX XXXX XXXX. 

10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX 

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX 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 2020-02-14 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased from merchant, XXXX, a media box for {$310.00} to watch several other video features. On the same day I installed the box on my TV and it turned out to be a piece of junk. I immediately contacted the merchant and informed him that I wanted a refund. He agreed to refund, however, I had already disputed the credit card charge with Chase, my bank. Three months later I receive a letter from Chase that the charge was valid! I disputed again on the same day and I faxed Chase all the documents again to substantiate my dispute. However, yesterday, XX/XX/2020 I received another letter from Chase that the charge remains. I immediately called Chase ( XXXX ) and spoke with XXXX. I asked why and she said because I was too late in responding and nothing can be done at this point. I FAXED ALL OF MY SUPPORTING DOCUMENTS ON THE SAME DAY! I spoke with her supervisor, XXXX, and he said the same thing regardless of my complete documentation. I asked the number for the corporate office and he said he did not know it! However, I could fax another letter. I called credit card customer service ( XXXX ) XXXX ) and they said nothing can be done. I asked for supervisor and was left on hold for over 30 minutes. Then some clerk came on and said no supervisors around and it was closing time! I have been banking for over 50 years and I have never filed a complaint against any financial institution until now. CHASE HAS THE WORST CUSTOMER SERVICE EVER! I will be soon be conducting all of my banking with XXXX XXXX. Please see all of the attached documentation that I submitted to Chase, which they chose to ignor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a Care Credit account at a XXXX XXXX XXXX called XXXX XXXX XXXX XXXX is XXXX XXXX, NY. My dog had a XXXX procedure in which the pet center offered a 0 % interest account for 6 months that I could have the {$940.00} medical expenses charged to. At no point did the representative at the pet center explain that the interest fee period would be applied retroactively, or what they call deferred interest, to my account after XX/XX/XXXX if I did not pay the entire balance before that date. There were no written disclosures provided to me when I applied for and accepted the account. All I was given was a digital device to sign my name. After I was approved and the medical procedure was charged to my account, I signed up for an online account so that my monthly payments could be automatically debited from my checking account. In around XXXX or XX/XX/XXXX, I noticed that my online statement had a {$140.00} interest charge. I immediately called Care Credit to inquire as to what this very large charge was for. It was then that I was told that my 0 % intro interest free period had ended and that all the prior months had now been charged with interest. After I was very upset to hear this, as it was the first time I was being disclosed this information, the representative offered to waive all the interest if I made a payment to pay off the entire balance. I did not have enough money at that time to pay the entire balance of almost {$900.00}. Today, XX/XX/XXXX, I called to offer to pay the entire balance if they would waive the interest as was offered to me last time I had called but I was told that was a one time offer and no longer available. I argued that I was never given the proper disclosures at the time I applied for and accepted this account - that if I had been properly informed that there this account involved deferred interest, I would have never opened this account and would have used any other leading bank 's credit card who offers 0 % interest free periods without deferring the interest and applying it retroactively. I spoke to a supervisor who told me that the disclosures were given to me in my first statement. I explained that this is unacceptable and not compliant with federal law as the disclosures were required at the time I applied and agreed to open the account - not after the fact. 

I believe this company and its product is predatory to those who are in financial distress facing medical issues. The terms of the product and this companies ' practices are unfair and deceptive.

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 2020-02-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In reference to prior complaint # XXXX-XXXX  Citibank refund me {$100.00} for insurance company XXXX XXXX XXXX. 
Yet, the insurance company never refund me for the amoun of my wedding ring lost at the airport or at leas half of the value. 
Citibank never refund me the {$200.00} offer in their page to open a new credit card or use your card now and you will get the refund on the next stament.

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been disputing with Equifax on an existing debt collection account ( XXXX XXXX ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while Equifax continues to respond that the account is verified. I've disputed online and and recently via mail. How can Equifax continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Due to the XXXX breach, I found out that in XX/XX/XXXX, Navy Federal Credit Union placed an illegal tradeline, a credit card account ending in XXXX, on my personal XXXX, XXXX, and XXXX credit reports. 

Since that time, I have sent multiple letter to Navy Federal Credit to provide me validation that this account was mine in accordance to FACTA law including, but not limited to : a application or electronic consent to open this account with my signature or voice approval. As recently as XX/XX/XXXX, I tried to contact them in attempt to resolve this matter to no avail. 

To date, Navy FCU has not sent me any documentation that this account was mine, stating this a Joint account, which I did not agree to have opened. I have also disputed multiple times with the credit bureaus, each time Navy FCU said this bogus credit card account was mine. 

Further, since XX/XX/XXXX, Navy FCU had deducted payments from my checking account ( # XXXX ), and  closed it in XX/XX/XXXX without any notice ( mail or email ) to me. 

In XX/XX/XXXX, I placed a complaint with the National Credit Union Administration ( NCAU ). In response, the NCAU emailed me stating that my complaint was not handled by  their organization, and to file with CFPB and FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation