vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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: IN

Complaint narrative:
Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Experian and told them in the past that these are not mine & I have no knowledge who opened them for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX, IL XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX. There are inquries for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as identity theft 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 non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I have never done business with Medicredit. I do not have a signed contract or a verbal agreement with this company. They are in violation of the FDCPA ( Fair Debt Collection Practices Act ). Medicredit is using the means of the US Postal service to fraud me out of money and I will be forced to notify the postal inspectors. This is extortion.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
XX/XX/XXXX I signed up for a XXXX account. It showed " Ad Astra Recovery Servic '' twice under collections for a total of {$260.00}. I sent this company a written notice because I've never signed a contract with them or the original creditor. My credit should've been blank ( considering I've never used it ). Please remove this account from my credit report as soon as possible. It is not XX/XX/2019 and I've not received a response from the company regarding it. 

Thank you and XXXX Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My husband and I recently opened a savings account with Citi bank. We called when we received notice that they were sending us ATM cards. We did not want ATM cards issued on this account. When I tried to effect this change I was told I wasn't on the account. My husband and I completed the application online together. My name was on the application. We requested a copy of the application. We were told they didn't have it on file and couldn't provide it! In addition to being transferred numerous times, being on hold for over an hour and being disconnected twice we were concerned about the business integrity so we elected to close the account. We had over {$200000.00} in the account. We were then told we could only withdraw {$50000.00} a day. Then we were told {$2000.00} a day. Then we were told {$10000.00} a day. The amount continued to change with each representative we spoke with and the fee to withdraw was {$25.00} per transfer. None of these conditions were disclosed to us when we opened the account. Putting aside the fact customer service is beyond incompetent there has to be regulations that require a financial institution to retain records such as account applications and I find it hard to believe that they can retain our funds for extended periods of time and charge us unfair fees to return our savings.

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 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
I receive numerous calls for a debt that belongs to another company. 5 calls a day from fake numbers. They do not stop when I ask them to stop.

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 2019-06-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
General Revenue Corporation has a loan of mine that has expired by the State of California Statute of Limitations ( let 's say in the amount of {$1000.00} ). They have recently filed a derogatory mark on my credit in the amount of {$83.00}, which is much less than the amount of the expired loan. When I contacted them regarding the loan, they couldn't give me any information about where this {$83.00} amount came from, but stated the amount of the loan was the amount of the expired loan ( {$1000.00}, in this example ). 

They won't let me pay off the {$83.00} for the derogatory mark to go away, and instead want the {$1000.00} which has expired. I'm concerned if I pay {$83.00}, this will count as a payment towards the {$1000.00}, which could reset the statute of limitations on that loan. 

I would like to 1 ) Know why I owe the {$83.00} ( willing to pay that off, if it comes to it ) 2 ) Ensure that I'm not resetting the statute of limitations on my {$1000.00} ( ish ) loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank discrimates against XXXX XXXX because of XXXX, if you dont look XXXX or have an accent they ask if you are a us citizen, they made us wait over and hour to try to add my wife to my account and then said they couldnt do it because I didnt have my XXXX XXXX despite I had turned that in when opening my account. I had my drivers liscense and other IDs and wouldnt do it. When my wife made a cash deposit at the drive through they rejected her deposit because she wasnt on the account and returned {$200.00} less then what she sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX I loaded {$300.00}. When I went to spend it online, all my charges were declined. 
I called and XXXX said it went to fraud dept but they wouldn't tell me what was going on or what the charges were. I told him to just close the account if I can not spend my own money. XXXX closed the account and told me it would take 7-15 business before I received my refund check. 
On XX/XX/XXXX I called back and spoke to XXXX. She said the check was processed on XX/XX/XXXX to give it 48 more hours. 
On XX/XX/XXXX I spoke with XXXX, she said check was mailed XX/XX/XXXX. A specialist would call me by XX/XX/XXXX. No call and still no check. 
On XXXX XXXX said they cancelled the first check and were issuing another # XXXX I told her I wanted to speak to a manager. SHe left me on hold & eventually the system kicked me out. 
I called back and DEMANDED to speak to a manager. I got XXXX who said she was a supervisor. She told me somebody would call by XXXX to issue a check TODAY. No call AGAIN. 
I called back again on XXXX XXXX, another supervisor, said he was waiting on a computer update about my mystery check they allegedly sent. A specialist would call within one or two hours. 
I am writing this on XX/XX/XXXX, six weeks after the initial fiasco began and still no check. 
I will follow up this complaint with as many complaints and agencies I can find today. This has been a nightmare experience met with foreigners and incompetence answering the phones and repeating the script like good little slaves. 
The desired resolution is the return of MY MONEY into MY ACCOUNT. NOW!

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 2019-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In the last 10 years I had to file Chapter XXXX which caused the Student Loan to be in deferment for 5 years until the process finished. I did not understand that interest fees would still accrue. The loan amount was ( originally ) about {$40000.00}. Now, for the last year all monthly payments only go to interest rate fees. The Navient Student loan amount is now over {$80000.00} with no workable process or way for me to pay back the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The problem is with Synchrony Bank. I have a few cards with them. The latest episode is the Belks card that should have {$2100.00} limit. I received a text saying that the balance on my card has exceeded {$450.00} out of the blue. I am assuming they went in and decreased my credit limit to {$1500.00}. This is causing a problem with interest rates and higher monthly payments. Synchrony bank is messing up my credit. They went in and closed another card out of the blue when I was making payments on time. The harassing alerts need to stop and they also keep pulling my credit score. I  have no idea why they are doing this because I am not asking for any credit limit increase or applying for a new card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN # XXXX Acct # 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 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Approximately 6 years, I opened a Chase Bank Teen Account for my XXXX year old son so he could get direct deposit and have an ATM card. I was a co-owner of this account. All was well until XX/XX/2019. My son, now XXXX, is an XXXX XXXX  and uses APPs for deposits into his account. He became the victim of fraud by unauthorized withdrawals from his checking account, for {$900.00}, {$600.00}, etc. He contacted the bank and these withdrawals were reversed. He did not even have a balance to cover such withdrawals. Approximately XX/XX/XXXX, all was well with his Chase Account, then on XX/XX/XXXX, {$600.00}, {$400.00} and {$100.00} were withdrawn from his Chase account from an APP called XXXX. He contacted Chase and Chase told him since it was his APP, they would not reverse the charges. Once again, he did not have money to cover with fraudulent withdrawals which were not his. First, I don't understand why Chase would allow such withdrawals when there are insufficient funds in his account to cover such withdrawals. On Friday XX/XX/XXXX, I received a text from Chase stating my checking account had a low balance. I logged on and seen that Chase had transferred ALL my money into my sons account towards his negative balance. I called Chase and spoke to three customer service reps to no avail. Chase said they would give me MY money back if I signed an payment arrangement which I refused. I went to Chase on Saturday XX/XX/XXXX to speak in person to a Chase banking rep. I was told that since my name was on my son 's Teen Account, they had authority, without my knowledge or permission to transfer my checking account funds into the Teen Account. I am beside myself. First my son 's account was robbed, then my own personal Chase checking account was ROBBED by  Chase. Chase said they emailed and/or texted my son XXXX about his negative balance, however, if I was a co-owner of the Teen Account, I should have been afforded the same courtesy, a text or email so I could contact the Chase to find out what was going on. I don't fee this was right, to just empty out my entire checking account and leave me with a XXXX  balance when I had insurance payment ( s ) coming out. I had no choice but to close my Chase Account because I can not allow Chase to just transfer funds without my knowledge or consent. I feel a complaint is totally justified because as a co-owner of my son 's account, I deserved notice of the impending transfer which Chase refused to put back into my checking account, leaving me penniless until my next payday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX  has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov

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 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
When i left from XXXX i sent all 3 devices back aith a tracking number. They confirmed that they received them, i paid my last bill and they said my balance is XXXX. After 2 years or more i got a letter from a debt collector for over {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: AK

Complaint narrative:
I called lending club back in XX/XX/XXXX. XX/XX/XXXX to cancel my auto pay. I was told it was canceled. fast forward 6 months later, lending club without my authorization tried to pull money of out my account without me knowing it. I then called lending club, they said they would review the calls and get back to me. no one got back to me. I called again and was told there is nothing I can do. lending club makes you keep the auto pay on, clearly breaking the law. my loan number with lending club is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
A company calle Venmo  apparently allows people to set up accounts with anyones debit card. 
My checking account had XXXX withdrawn from it due to Venmo. I have never and will never open an account with Venmo and I would like to know how they allowed someone to open an account without verifying the card with the bank? 
The money was withdrawn from my account on XX/XX/2019 while I was in Mississippi. The Venmo   transaction took place in New York. 
My bank is now seeking legal means to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Someone went and used my ID in order to avoid being charged for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have 2 HELOC with Wells Fargo and have been paying more than minimum for approx. 15 years, yet my balance remains unchanged

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 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
Someone else used my information to receive free medical services. I never had business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is charge on my account which doesn't belong to me which they never resolved the charge There is a charge on my account which doesn't belong to me. I disputed this charge one year ago and still this charge appears on my bill. They charge me instead of someone else who has the same last name as me. This was the clear mistake of living space costumer service. The living space knows their mistake but no one wants to solve this problem because of their poor customer service. Because I was disputing this charge they froze my synchrony bank application which I was using to pay my bill. When I traveling back home I tried to pay my bill but because they froze my application I couldn't pay my bill and they reported miss payment on my account even it was their mistake. I can not make 1-800 number internationally from the country I am from to pay my bill. I never paid even one day late prior this issue with this company before but because their poor practices now they damaged 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
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I have an XXXX  XXXX AAdvantage Platinum Selected card that I opened 4 years ago. One of the " benefits '' is a {$120.00} XXXX XXXX XXXX Discount after spend {$20000.00} or more in purchases during a year. Although I have spend that amount I have never received the discounts. I have contacted Citi Bank on XX/XX/19 5 times and any of the customer services agents that I talked with have not been able to help me. Although they have confirmed that I have spend the $ XXXX they put me on hold to transfer the calls but the calls never go through. 

I think this is a deceptive tactic from Citi to do not honor this benefit.

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 2019-06-10 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I asked for a credit limit increase and they denied it, but still reported an inquiry to the credit bureaus which decreased my credit score and will remain on my credit report until 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I filed a complaint about an extended warranty refund and I don't understand the response from the bank. I am in an active chapter XXXX bankruptcy case. The car dealer sent a check for {$1000.00} to the bank. The bank says they mailed a check for {$750.00} to the chapter XXXX trustee. The trustee access website shows no posting of this amount. Also, where is the remaining {$260.00}? The representative from the bank finally called me back and said he can't discuss any of this with me because of the active chapter XXXX case. I paid all of the money to the bank through the chapter XXXX trustee, the loan is satisfied, I have the title to the car. I don't understand how the bank feels they can keep any of the extended warranty refund. Where is the remaining {$260.00}? The bank representative says I need to talk with the trustee for that information. The trustee has nothing to do with this. The bank owes me {$1000.00} for the refund. Now I feel I am entitled to interest on top of that amount.

Company response to consumer: Closed with explanation