vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I informed Chase Bank on XX/XX/XXXX that I noticed fraudulent activity in my checking account via ATM withdrawals sporadically beginning in Mid XX/XX/XXXX, through to early XX/XX/XXXX. There were 9, {$80.00} dollar withdrawals in the total amount of {$720.00}. I noticed this fraudulent activity after seeing ATM withdrawals pending in my account that I had not taken part in. I called Chase right away and notified them of this. 

They temporarily refunded me while they " investigated the issue. '' One month later the {$720.00} in funds were taken out of my account again by Chase because they said that the fraudulent charges were justified, ie they said that the withdrawals were made by me because the card and pin were present and that the withdrawals were made in my " general geographic area '' ( withdrawals that occurred sometimes on the same day, one in XXXX XXXX, XXXX and one in XXXX XXXX, XXXX  ). They said I could have given someone my card to use at the ATM, which is a mind-bogglingly offensive accusation. I submitted 26 pages of paperwork to Chase to prove my whereabouts on these days, copies of text messages, proof of documents I was at work, and correspondence with coworkers of my whereabouts. I also filed a police report. When at the police station they explained that is very common for a card number and pin to be pulled and used at ATM locations. In fact, I was the 3rd person that day to make that type of police report. 

After submitting all of my paperwork, Chase responded to me again in saying that they think all of the charges were justified and will not refund me the {$720.00} that was taken from me. I am currently in the process of closing all of my accounts with Chase as I am horrified they think that they can take advantage of me in this way. I would love to know what their investigation team consists of, and I know now they obviously never make use of the cameras on their ATMs. I am horrified to know how unsafe my money has been these 10 years as I have had an IRA, checking, savings, and credit card all with Chase. I hope this can somehow shed light on how horrendous Chase treats their customers, and prevent this from happening to someone else. I am spreading the word in any way that I can that Chase cares nothing about the people who have their money at their establishment, people who just want to have their money be kept safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company XXXX XXXX has purchased a debt from XXXX/XXXX. The company sent the debt information to me and it does not have my signature and it was originated from a unknown address. I want XXXX to stop verifying the debt as mine, I am disputing this debt and they continue to verify the debt is mine, provide my signature for the debt or delete it from my profile. XXXX   credit card account ending with the number 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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Account number XXXX is appearing on my credit report. Please remove from my credit reports. Mailed several attempts to company to validate debt and nothing has happened. I want a validation and verification that it is my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.XXXX XXXX XXXX XXXX states that the account was sent to their office on XX/XX/2017 but it is reporting on Experian that it was open on XX/XX/2017

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 2018-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I called Bank of America on XX/XX/XXXX and asked them to close one of my credit card accounts. After being transferred twice, I spoke to a person in XXXX, GA and she had the ability to close my credit card line. However, while speaking with her, I told her to close the line and she asked for a reason, and I told her I didn't want the card anymore. Well this was not good enough because she continued to stall and ask probing questions about why I wanted to close. She continued to probe and tell me it would take a little bit longer and she was almost done. Then she ask me about my current revolving debt, and knew then she just pulled my credit report which I didn't authorize. I told her yes I have other accounts, and I am using them and to close my credit card. She agreed and said it was closed. We hung up. 

Two days after on Monday XX/XX/XXXX, my spouse tried to use our other ( travel ) credit card with Bank of America, and it would not work. I decided to call Bank of America and I found out they closed the wrong credit card account. I don't know how closing the wrong account was possible, since I confirmed the closing account number 3 times. So to correct the error made on Bank of America 's part, I had to re-apply for credit to include consenting to new disclosures and pulling a new credit report. I feel that Bank of America is pulling credit excessively and I should not pay for the bank 's error in closing the wrong account. 

I would be very careful of Bank of America, as they do not have controls in place to prevent errors, or void errors, without the borrower paying for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX American Express National Bank Executive consumer Relations, Legal Dept. 


XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX, XXXX  XXXX RE : XXXX, XXXX # XXXX XXXX # XXXX I am writing to request a favorable report be submitted to all 3 FICO credit reporting agencies : XXXX, XXXX, and XXXX. I've had account # XXXX with XXXX XXXX since XX/XX/XXXX. 


I've requested a change of bank for my SSI direct deposit & will be closing my account with your company as soon as transfer is complete. 


I will also be submitting complaints to XXXX & FDIC regarding your predatory banking practices. Your company : -misrepresented this account as a checking account linked to a debit card intentionally to mislead vulnerable adults. The account number is questionable and inconsistent with normal banking practices, in which customers would be improving credit rating for duration of positive account balance. This results in customers being unable to obtain future credit, employment, and/or credit at reasonable earned credit rate, due to " lack of credit '' indicated by FICO. This equates to " economic sabotage ''. The same XXXX Branded Companies and affiliate agencies including in this instance XXXX XXXX, fail to provide reasonable customer service and ethical business interactions. 


In addition : -multiple XXXX XXXX failed to maintain Money Center Cashier/ Center Kiosk and/or MoneyPass ( fee free ) ATMs -Bluebird/AMEX failed to maintain XXXX ATM affiliates within reasonable distances for " Vulnerable Targeted Population Victims '' poor & XXXX dependent on public transport while also preventing cash back with purchase, all of which resulted in undue ATM fees, transportation fees, untimely walking travel distance. 


Undue stress economic hardship directed at targeted populations vulnerable poor and XXXX. 


There has been not only no benefit, but much harm caused by your illegal and unethical predatory, business practices. 


You should be ashamed, publicly shamed. 





Cc : XXXX XXXX, XXXX XXXX, XXXX, FDIC, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
my debit card was lost on XX/XX/XXXX unauthorized charges of {$140.00} {$220.00} {$43.00} {$35.00} {$240.00} {$380.00} {$8.00} {$4.00} {$17.00} {$140.00} {$470.00} {$400.00} were all made in the span of the XXXX and XXXX, I noticed the unauthorized charges via mu online banking on or around the XX/XX/XXXX and immediately called wells fargo and disputed and reported it. The representative did not notate the account or claim correctly leading me to have to follow up several times and have more terrible notation occur which complicated what should have been a simple reversal they are for places i have never shopped or heard of. the merchants i had heard of i was able to contact and have the transaction stopped before items were shipped. 
some were online some where swiped NONE of which included my Pin #. 

after several hours of speaking with resolution specialists who were also very rude, Wells fargo was beyond unprofessional their handling of the investigation and simply stated they would not cover the fraudulent transactions.

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 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX -- - DEAR CONSUMER FINANCIAL PROTECTION BUREAU, I AM WRITING THIS LETTER BECAUSE I AM IN NEED OF FINANCIAL ASSISTANCE AND I WAS REFERRED TO YOU BY MY REALTOR. I HAVE BEEN REPAYING A PERSONAL LOAN TO A COMPANY CALLED XXXX XXXX, XXXX. SINCE THE LOAN ORIGINATION IN XX/XX/XXXX. IN XX/XX/XXXX, I RECEIVED A RENTAL RATE INCREASE BY $ XXXX/MONTH WHERE MY FAMILY AND I WERE RESIDING, MAKING MY LOAN PAYMENT TO PROSPER DIFFICULT, WHICH IS {$700.00}. I RESORTED TO MAKING PARTIAL PAYMENTS EACH MONTH TO PROSPER, WHICH CAUSED ME TO INCUR LATE FEES EACH MONTH. UP UNTIL LAST MONTH ( XX/XX/XXXX ) I HAVE NOT BEEN ABLE TO CATCH UP BUT CONTINUING TO PAY PARTIAL PAYMENTS. I HAVE REQUESTED THROUGH PROSPER A REDUCED MONTHLY PAYMENT AMOUNT SO THAT I CAN SALVAGE MY CREDIT RATING. MY WIFE AND I RECENTLY PURCHASED A HOME THROUGH VA AND WE ARE CONSIDERING A REFINANCE AND POSSIBLE CASH OUT OPTION, SO WE CAN PAY PROSPER OFF ( A LITTLE OVER $ XXXX ). PROSPER TOLD ME THAT THEY WOULD NOT REPORT ME TO THE CREDIT BUREAU AS LATE AS LONG AS I WAS MAKING AN EFFORT TO PAY. THEY REPORTED ME TO THE CREDIT BUREAU ANYWAY. I DONT KNOW WHAT ASSISTANCE YOU CAN OFFER, BUT ASSISTANCE WOULD BE GREATLY APPRECIATED. I AM A XXXX MILITARY VETERAN WHO IS JUST TRYING TO KEEP A ROOF OVER MY FAMILYS HEAD. I AM OPEN TO ANY SUGGESTIONS TO SALVAGE MY CREDIT RATING SO THAT I CAN PAY PROSPER OFF. 

RESPECTFULLY YOURS AND KIND REGARDS THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.

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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
In light of my previous complaint XXXX where I disputed the XXXX account associated with XXXX XXXX accounts XXXX _ please know XXXX XXXX is ALSO pursuing XXXX. 
The response to the above referenced complaint, was the collection account from XXXX   was removed. Please also know, the XXXX XXXX NEVER responded to my CFPS complaint nor my request for documentation to support the balance of {$460.00} THAT WAS PAID! This account was removed from collections from my credit Report and I have heard NOTHING sense. Then I get a call from Mitchell D Blum & Associates Law Office, It was not until 5 min into the call, they admit they are a COLLECTION Agency! Please see the attached letter I received this is a COLLECTION company presenting themselves as a LAW FIRM which is a clear violation of FDCPA! In addition to this, there practices are XXXX! The XXXXXXXX XXXX sold a debt that was RESLOVED and now I am being harassed by some fake law firm! This must stop! Someone needs to do something with these abusive companies! 

This account was resolved within my last disputes of the vitality of this debt, and this needs to be honored by this makeshift lawfirm! It is a violation of FCRA to reinsert a deleted / previously disputed account!!! Therefore, I demand this company cease the negative reporting of this invalid debt! 
m,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX  is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX  that it was open on XX/XX/2017

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hi, I have had 8 inquiries in the past 2 days from banks that I did not authorize to pull my reports many are double inquiries 2 days apart. This is crazy and I want this resolved please. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXXY XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX    XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
USAA returns the Vehicle Title to the borrower after payoff via First Class mail through the USPS. No other method of shipment is offered to the borrower, even for a fee. If the title is lost, it's not possible to track it and the replacement of the title will fall to the borrower, even though the lender can not prove that they mailed the title.

One customer service representative at USAA quoted by phone a rate of at least 1 title per week being lost in the USPS mail as of XX/XX/18, in her personal experience. That's at least 52 members who are forced to obtain a duplicate title on their own time and money. Since USAA claims to care so much about their members, how in this day and age are they sending borrowers legal documents by USPS? Perhaps because if it is lost, it is of no concern or expense to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I lifted a freeze on my EXPERIAN report. I was denied credit because experian said I am deceased. 
I CAN'T get anywhere with them. They won't talk to me and just want more money to answer questions. Which they never answer. They list my credit score at XXXX. It's over 750.. 
By the way I AM NOT DEAD YET.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC
State: IL

Complaint narrative:
I defaulted on two student loans. I made a payment agreement with one creditor for voluntary payments. Another creditor, Action Financial Services, was threatening to garnish my wages if I did not make an agreement with them. I tried several times to contact Action Financial Services, but the department I needed was never available. I tried to contact them on XX/XX/2018- Phone system was down. Tried to contact them on XX/XX/2018, XX/XX/2018, and XXXX department was not available. I did manage to talk to someone on XX/XX/2018 who stated that they needed proof of my husband 's income. At the advice of a lawyer, he advised not to give my husband 's income because it was not his debt and it was a debt before marriage. On XX/XX/2018, I fax them my financial documents and on XX/XX/2018 my wages were garnished. On XX/XX/2018, I received a phone call from the collector asking about my husband 's financial statements and wanted to come up with a payment agreement. I advised the caller that they were not going to get my husband 's financial information and they are already garnishing my wages, so I was not sure why they were still calling me for payment. I mentioned to the caller that wage garnishment has put my in a hardship and I was looking for a second job. The caller stated that it is federal loans and if I quit my job then they would track me down at my next employer. I was willing to work with them to get a payment plan, but they are difficult to get a hold of and even after garnishment they will still harass you for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On transUnion File XXXX and date issued XX/XX/2018. 
The Names reported were XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX- I am NOT XXXX XXXX XXXX XXXX 

t The report shows telephone numbers that are wrong XXXX XXXX, XXXX XXXX XXXX the report shows the following wrong addresses.Addresses that are incorrect XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
This collection company sent me a fake XXXX XXXX notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for XXXX XXXX, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation