vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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 — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have repeatedly been billed for merchandise that I have never ordered or received. 
I have spoken with the merchant 's customer support department on several occasions and they tell me that their computer system shows that someone submitted an order using my credit card number and an address that I haven't lived at in six ( 6 ) years. They claim that they do not store records of orders so they can't provide me with any proof that I placed such an order. 

On XX/XX/XXXX I contacted my bank regarding these fraudulent charges. They reversed a few of them from XXXX but continue to allow this merchant to charge my credit card on a monthly basis even though I informed them that I did not authorize these purchases. 

On XX/XX/XXXX I again contacted my credit card company and submitted a dispute to these charges. On XX/XX/XXXX they wrote me telling me that the merchant claims that I requested this merchandise. They also tell me that they won't reverse the charges. They had the unmitigated gall to tell me to read the terms and conditions of a merchant that is processing a fraudulent order. They refuse to block further charges or reverse the charges for merchandise I am not receiving and did not order. The idea that the merchant doesn't maintain or store authorizations records because they are an online merchant is nonsense and irreverent. I do not live at the address where this merchandise is supposedly being delivered. I did not order the merchandise. I did not authorize any person to order this merchandise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : XXXX XXXX XXXX XXXX XXXX Hawaii

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
At approximately XX/XX/2018 XXXX an online purchase was made from my account in the amount of XXXX to XXXX, XXXX XXXX, IL. I Immediately called the company ( approx. six hours after the charge was made ) to cancel my card. Told them there was a fraudulent charge and I'd like to dispute it. They told me to call back in 5 days. I called back in 5 days, 3x that day couldn't get through twice ( was effectively hung up on ) The third try yielded " I'm sorry our systems are down ''. The following evening I finally spoke to a supervisor after countless hours of trying to who asked me a litany of questions regarding my card. They then stated I could wait until they mail me the paperwork or I could fax my own dispute in writing, which I did in triplicate within the hour. Couldn't get a hold of the company for another two days. When I did they told me they had received the fax and everything appears to be in order and the investigation was ongoing. This was 12 days ago when this all started. I have not been able to contact anyone further at the company that can tell me anything and they have not provisionally credited my account, money which they know that I need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.

Complaint narrative:
THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.

Complaint narrative:
THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX 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 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint, includes debt collection that doesn't belong to me. On or about XX/XX/2018 at XXXX, I deposited CASH funds into my " personal checking account '' {$65.00}. My CASH deposit of {$65.00}, was deducted " immediately '' from my personal checking account by the bank ( for their improperly assessed NSF fee 's, unfair debt collection practices and unfair and deceptive practices against me and my personal checking account ) leaving my available balance at - {$68.00}. I have requested, to speak with a manager in the executive office ( as well as, attempted unsuccessfully to resolve the ongoing unlawful practices " internally '' with the banks many rude, evil and unprofessional representative 's ). I will fax any and all supportive documentation for the sake of this complaint. My personal information provided in this complaint isn't to be used by the bank ( or their subsidiaries ). It is for CFPB. -- THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On Saturday, XX/XX/XXXX I provided computer service to a personal friend in person - the service ( aka, the 'goods ' ) were provided locally and at the immediate time, with said friend willing to substantiate my claim further. 

A verbal agreement for payment was reached and I sent my friend a money request on Paypal shortly thereafter. 

Upon receiving the request, my friend promptly paid the agreed amount. Instead of receiving my money, I come to learn that Paypal has placed a hold on my funds for up to 21 days. 

I contacted Paypal the next day, just to be told that despite there being no physical goods to ship and the service having already been delivered, that I would be forced to wait potentially up to 21 days for access to MY earnings and to simply 'send through family/friends ' next time. 

Not once was it made clear that requesting payment for a service would result in a seemingly mandatory hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/2018 I closed the credit card ending in XXXX, at this time I payed all the outstanding balance on the card. Unfortunately this company had the wrong amount ; they stated that owed more than I originally charge in the card. When I complained about this issue ( The wrong amount ) Barclays stated that they were correct and I had to pay the full amount. They keep charging my bank account and they are stating that I owe them money with any proof of it. 
When I close the account back in XX/XX/XXXX my balance was XXXX. But they still keep charging my bank account without my authorization, they stated that I owe {$370.00}, but I am not responsible for that amount. I called them many times and they ignored my petition of showing me a sales draft with my signature, but they declined. They dont have proof that I owe them that much. Also they are charging my account fraudulently. Please help me to stop this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them. 
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied. 
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hey, I am trying to link my bank account to my stock pile account. It wont let me because it says capital one is stoping my account from linking please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: NY

Complaint narrative:
On XX/XX/2018, I attempted to transfer ~100k of my membership rewards to a partner airline program so that I can book flights before a significant redemption devaluation that is coming up in a week. I was given a notification on the transfer page that my account is now under review to verify that all of my purchases " meet qualifying criteria ''. I don't have a clue what that means and AMEX has not yet given me an answer. I have spent a significant amount of money on this card under the presumption that I would be allowed to use my membership rewards without restrictions. I am currently unable to do anything with them and I have not been given any answers as to how this problem can be resolved. I am very frustrated with the ambiguity with which AMEX conducts its business and the lack of customer support when issues like this arise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I followed a series of links ( that I verified were legitimate ) and applied for a credit card ( XXXX XXXX XXXX XXXX ) that would give XXXX bonus miles for my XXXX XXXX XXXX account ( if spending {$3000.00} ) within 3 months on XX/XX/XXXX. I did this but did not receive the bonus miles. 

In XX/XX/XXXX, after I felt I had waited long enough for the bonus to be applied, I contacted the company ( Chase Bank ) through the secure message center on their website. 

I was first told that we are sorry, you were not eligible for the bonus. I sent a detailed reply with screenshots that I had taken of the links I had followed and the credit card terms upon sign up ( they are attached to this complaint as well ). I received another reply simply saying again that I was " not eligible. '' I sent an additional reply message ( again ) asking for an explanation why I was not eligible. 

I then received a reply that did not say anything about eligibility, instead the reply said we are sorry but we can only handle these matters within the three months on signing up ( in other words, the time has passed for us to help you ). 

To me, it seems obvious that the company was first avoiding the issue by saying I was not eligible. When I demanded an explanation they then tried a different excuse about timelines ( by the way, this timeline is not mentioned in the card terms at all ). 

This seems to be a clear violation of the CARD Act. Additionally, if the promotional terms ( as stated in the attached material ) were not true, this would be deemed deceptive advertising under FTC guidelines. 

Of note : Ironically, the above messages that I described were sent through the company 's " secure message center, '' they have now been deleted automatically by the banking company. This is my fault as I am used to things like email and messages never being deleted ( I should have saved them to my computer ), but it again is just another strike against the company. Why would they be deleting secured communication? This is unfortunately the reason I can not attach the actual messages exchanged with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: KEYCORP
State: ID

Complaint narrative:
Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Violated The Fair Department Collection Practices Act and the Fair Credit Reporting Act. 

Midland furnished deceptive billing statements and is using the statements to justify and to collect more than I owe. 

XXXX XXXX  / XXXX original owners of the application credit card contract received seven additional payments of {$150.00} after the account was charged off on XX/XX/XXXX. XXXX XXXX XXXX was aware of the situation and deleted all trace and information from my credit reports. 

Charge of Date : XX/XX/XXXX. 

1. XX/XX/XXXX, {$15000.00} 2. XX/XX/XXXX. {$150.00} 3. XX/XX/XXXX. {$150.00} 4. XX/XX/XXXX. {$150.00} 5. XX/XX/XXXX. {$150.00} 6 XX/XX/XXXX. {$150.00} 7 XX/XX/XXXX. {$150.00} Second, violation of the FCRA by Midland in not notifying to the credit reporting agencies that my account is under settlement agreement and that account is under dispute. In addition, inaccurate information has not been corrected from my credit report within the 30 days of my dispute. 

Third violation by XXXX XXXX XXXX was objecting to the court and myself upon request of the original application contract is a violation of the law and my rights. 

Final violation by XXXX XXXX XXXX. " Under the FDCPA, a collector is required, within five days of the first contact is required sending, in writting, a notice of my right to dispute the debt. Failure to do is a violation of the FDCPA. '' For XXXX XXXX XXXX the first contacted was the filing a of lawsuit and thereafter I was sent a letter of my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
I have made several attempts to dispute inaccurate information on my XXXX  Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX   has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both Trans Union and XXXX ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my 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