vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Greene & Cooper Collections LLC
State: GA

Complaint narrative:
Creditor ( XXXX XXXX  ) hired lawyer ( Green & Cooper, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or one cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.Greene & Cooper does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable!

I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX   check for not being able to comprehend like a normal adult. My brain works on a XXXX  year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 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: WV

Complaint narrative:
XXXX  and/or Experian and/or XXXX  have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX  ... acct. XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI, Inc is reporting to my credit that my collection was paid. I never paid AFNI, Inc. I was contacted by the CEO office of XXXX  because I am currently in the Military and had an issue with my XXXX bill. They gave me a chance to pay the total amount. I had two accounts requesting for me to pay my XXXX bill. AFNI, Inc and XXXX XXXX XXXX XXXX was on my credit report requesting the same amount. After paying my amount to XXXX, XXXX XXXX XXXX XXXX deleted the collection on my account. AFNI, Inc did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/2017, an entity called XXXX have been withdrawing {$19.00} from my bank account. I have no knowledge or any transactions with this entity. I have tried getting my bank to stop this but they claim they can not since XXXX has my account number. 

I have called the number attached to the withdrawals ( XXXX ) but I get an answering service which claims I am not in their system after giving them all my information ( name and account number ) and so they can not answer even my basic questions like what is XXXX ( Is it a bank or an organization, and where is it based ). 

I have not gotten anything from XXXX -- no reports or communication. 

What hurts me the most is when my Social Security check is delayed and I dont have enough funds in my bank account, I get an overcharge fee XXXX XXXX XXXX- when XXXX withdraws. This has happened many times, so I have many times a negative balance showing. 

Please help me stop this scam. 

Thanks.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/XXXX, spoke with XXXX - he reversed charges that were wrongly accrued. Brought balance owed to {$0.00}. Closed the account completely on that day. 
Received another statement - account was NOT closed. I called back on XX/XX/XXXX disputed the now new charges that accrued again. Spoke to XXXX, then XXXX and a XXXX - reversed charges again and got a confirmation # that account was closed and all issues resolved. Confirmation # XXXX. 
Received yet another bill for the account that should be closed. New charges once again have accrued. XX/XX/XXXX Tried calling in again explaining the account was closed now twice but yet still getting charges and fees. All while crushing my credit score because its showing I am not paying past due fees. Spoke to three gals, first XXXX hung up on me. Promptly called back spoke to XXXX ( ID : XXXX ) she said she couldn't help me. I asked to be transferred to a manager. Got XXXX, she said she can only " send 'it ' off '' can not do anything with the account.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Information Bureau, Inc.
State: CT

Complaint narrative:
In the later part of XX/XX/XXXX I noticed a negative remark on my credit report through XXXX XXXX. I contact the company listed on the remark Credit Information Bureau , Inc at which point i spoke to XXXX. I asked her to please provide validation of the debt claiming to be owed. On or about XX/XX/XXXX I received a Letter from this company stating this was an attempt to collect a debt with an unknown history inquiry at which point several additional attempts were made to contact this company again inform them this is not proper validation in which I requested but no one from the company returned my call. On XX/XX/XXXX a Debt Validation Letter was mailed certified to Credit Information Bureau and to date they have failed to respond to my request. All copies of above stated documentation has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe XXXX XXXX. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I  was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I applied for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/XXXX and they pull from Equifax and was denied because they were unable to pull my credit report from Equifax. I called Equifax yesterday XX/XX/XXXX and confirmed all of the information was correct on my credit report ( ie name, address, and social ), then I tried again and they were still unable to pull my report. Then I called Equifax again and they said that there was a fraud alert on my account that may be preventing the lender from pulling the report. I had that removed and tried again. They were still unable to pull my report. Then I called Equifax back and they asked me to send a picture of my ID and Social to verify all of the information which I did and then I called and they said there were no blocks, freezes, or fraud alerts and everything matched. I called again today and they XXXX XXXX  was still unable to pull my report. Equifax isn't being very helpful at all and costing me being able to get a better interest rate on an auto loan because there system is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fruad account stolen identity Account was deleted XX/XX/XXXX and then added back to credit report 30 days later XX/XX/XXXX when account was deleted the creditor name was XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  when account was added back to credit report credit had change there name to XXXX XXXX XXXX/XXXX/XXXX XXXX and is trying to report the same account under different name with same account number XXXX for this account I attached copies from my online Experian resulted showing the account was deleted with the same account number and the added back on to my report also attached copy of police report Creditor XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount 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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe Capital One. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
1 ) XXXX College account that went into collections. 

2 ) XXXX XXXX took over account and mailed letter XX/XX/XXXX for balance amount of {$460.00}. 

3 ) Account statement from XXXX showing past payments and recent payment made on XX/XX/XXXX. Which also happens to be the date this account was bought by Ability Recovery Services. Amount was for {$25.00}, statement shows balance now {$430.00}. 

4 ) Receipt for {$25.00} made to XXXX XXXX on XX/XX/XXXX. 

5 ) XX/XX/XXXX debt verification letter received from Ability Recovery Services for XXXX College account. Balance stated on letter {$460.00}. I contacted XXXX, as well as XXXX, to find out how the payment can be credited to account. It was stated by Ability representative XXXX XXXX, it would take about two weeks for the payment to be forwarded. 

6 ) XX/XX/XXXX mailed a payment resolution letter to Ability Recovery Services outlining four payments to be made that would resolve the balance of {$430.00}. 

7 ) XX/XX/XXXX received threatening letter in regards to account after two checks had already been cashed by Ability Recovery Services with my banking institution. 

8 ) XX/XX/XXXX sent letter in response to the threatening letter received. 

9 ) XX/XX/XXXX another letter sent in regards to my 'indebtness ' to the account. The last payment was delayed due to a household emergency, however, the amount stated on letter is still incorrect. It states a balance of {$220.00}, my balance was {$100.00}. 

10 ) XX/XX/XXXX last payment check and accompanying letter was mailed to Ability Recovery Services, along with a spreadsheet of check numbers and payments. Check number XXXX in amount for {$100.00} still not presented to bank as of XX/XX/XXXX, mailed XX/XX/XXXX. 

11 ) XX/XX/XXXX voicemail message received from representative XXXX XXXX at Ability Recovery Services, please see attached transcription. 

I have included all documents referenced above in the order given above. Representative stated on XX/XX/XXXX that they never received the third check, yet, I have the check image, etc cleared by my banking facility. In her message she also states that the {$25.00} was credited to my account, but then says I have to take care that amount. 

Extremely unprofessional debt collection entity and I want this resolved so that I no longer have to deal with this company.

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 2018-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I WAS CHARGED FOR SOMETHING I NEVER AUTHORIZED AND I NEVER DONE BUSINESS WITH THIS COMPANY. ON XX/XX/XXXX XXXX XX/XX/XXXX I WAS CHARGED XXXX ON MY CHASE CARD # XXXX MY NIECE AND I CALLED CHASE CREDIT CARD ON XX/XX/XXXX AND REPORTED FRAUD WHICH THEY TOOK THE CASE AND PUT CREDIT OF XXXX ON THE NEW CARD THEY SENT ME WHICH WAS CARD # XXXX AND CREDIT WENT ON THAT CARD. I PAID BILLS WITH THAT MONEY AND THEN RECIEVED A LETTER FROM THEM THAT STATED THEY WERE TAKING THE CREDIT BACK. WHICH AFTER PAYING BILLS I SHOULD OF HAD LIKE 17,000.00 SOMETHING LEFT OVER. THIS IS SO BAD THEY WOULD D THIS TO THERE CLIENTS. NOW IM STUCK OWEING MORE MONEY. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK. I HAVE NO IDEA WHO THIS COMPANY IS WHO TOOK ALL THIS MONEY OUT OF MY ACCOUNT I NEVER AUTHORIZED THIS MONEY TO COME OUT OF MY ACCOUNT AND I NEVER DONE BUSINESS WITH THIS COMPANY. CHASE VISA SHOULD BE ASHAMED OF THEMSELF. PUTTING A SENIOR CITIZEN THROUGH ALL THIS GIVING ME THE CREDIT AND THEN TAKING IT AFTER WEEKS AND AFTER I PAID BILLS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My identity was stolen about XX/XX/2018 and someone opened 3 total accounts in my name. 2 of the accounts are resolved with phone calls and conversations. The third account is not. I submitted the information about identity theft, but they determined that I benefited from the use of the card for purchases in CT even though I live in PA and have never traveled to CT in my life. The third account was for a pet store. I have no pets. I closed the account immediately upon learning of its existence. 

I did not open this account, I did not use this account. I did not benefit from this account. Given the clear evidence that my identity was stolen for other accounts, this seems like an unfair and arbitrary determination by the bank. 

The bank is XXXX XXXX. The account number is XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX Dillburg, PA XXXX. 

I have attached follow up mail from XXXX regarding the fraudulent attempt to obtain a XXXX XXXX card in my name as evidence of the identity theft and A XXXX denial based on failure to verify identity.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a letter from DYNAMIC RECOVERY SOLUTIONS stating I owe {$440.00} to XXXX/XXXX XXXX XXXX XXXX and the current creditor is XXXX XXXX   XXXX. I had a financial consultant repair my credit a few years ago. This was debt was not there. I paid all my debt in full. I don't know where this bill came from. I called the lady said it was a bill from XX/XX/2007.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is about a promotional credit card bill. XX/XX/XXXX statement amount was {$190.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$130.00} + {$42.00} a non-promotional purchase. Total amount of {$170.00}, paid {$60.00}. XX/XX/XXXX statement amount was {$110.00}. Should have been {$110.00}. I was charged {$1.00} interest on the {$42.00}. They posted the {$60.00} toward the promotional amount, instead of the interest bearing amount first. The federal credit card act of XXXX requires the credit card companies to post to the highest interest amount first. XXXX XXXX has tried to do this to me before, for XXXX and XXXX XXXX XXXX. I imagine XXXX XXXX has done this to many others. They fixed this XXXX problem for me today. It happened at XXXX XXXX XXXX over two years ago. To this day, they continue with the same routine, disobeying the law. THANK YOU

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