vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 I placed an online order with XXXX XXXX  for medication costing {$160.00} and a doctor consultation for a {$25.00} fee. On XX/XX/21 and XX/XX/21 I emailed them requesting the consultation before they mailed the medication as I wanted to discuss my medical XXXX before they mailed the medication. They never responded. 
On XX/XX/21 I received a confirmation email that my order was on the way. 
On XX/XX/21 I emailed XXXX XXXX that I paid for, but never received the consultation, and to cancel the order. 
On XX/XX/21 I disputed the charge with Chase, who advised they would temporarily remove the charge and send me further instructions. 

I received a letter from Chase dated XX/XX/21 ( I do not recall the date I received it ) stating they temporarily removed the charge and to " save all documentation and receipts related to my dispute. '' On XX/XX/21 I received an email from XXXX XXXX  stating they were behind on the customer inquiries and that the order was shipped, which I received that day. 
On XX/XX/21 I emailed them that I had filed a dispute with my credit card company. 
On XX/XX/21 I " refused and returned to sender '' the unopened medication. 
On XX/XX/21 I received a call from XXXX from XXXX XXXX in XXXX, FL. I asked her to credit my account, and she agreed. 

On XX/XX/21 I received a letter from Chase dated XX/XX/21 requesting all my documentation by XX/XX/21. I immediately called Chase to advise my documents would never reach them by XX/XX/21. XXXX at Chase advised she would mark the file that I received their letter on XX/XX/21. 

On XX/XX/21 I mailed all my documents to Chase with a Certificate of Mailing. 

On XX/XX/21 I received a letter from Chase stating they decided in favor of XXXX XXXX. I called to inquire how they arrived at this decision and was told my documents reached them too late. They were not interested in my explanation that I received their request too late and spoke to XXXX who advised she would mark the file that I received their request too late to arrive by XX/XX/21.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2021, when signing up for a TransUnion Credit Monitoring account, I was told to input a credit card information to verify my identity on their website. What they did instead was creating a subscription for their service under my account for {$27.00} ( tax included ) sneakily. 

I bet they covered this up in a very small print or link somewhere in the website. I provided my credit card information NOT knowing that I will be charged any amount. I would not have provided it had I known it would be sneakily charging me every month. This is a very predatory behavior and is widely documented online ( try searching XXXX for the term " transunion automatically subscribe me '' ).

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On XX/XX/2021, I made a purchase in which the seller claimed they sent me items I paid for more than a month. I filed a claim with PayPal Credit and was informed that I have a credit in the amount of {$540.00}. 

On XX/XX/XXXX, I contacted PayPal Credit and they had me jumping through hoops to get my money back. I spoke to a manager, who identified himself as XXXX. He informed me that I had to provide a number for him to send me a link for verification. I provided him the number. Then he said that I would have to take a video of myself before I could get my money. 

This is the most ridiculous process for anyone to get his/her money back. I should not have to be subjected to taking videos of myself to get what is owed. I demand that they credit a better system for account/identity verifications. This process is quite invasive and draconian.

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraud was reported to bank and ftc. Funds are still being withdrawn from the account ( s ). The account was supposed to he closed the first time i reported the fraud they stated it would yet my direct deposits, as well as purchases not made by me are also being continuously made

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 2021-12-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received loan number XXXX from XXXX for approximately XXXX XXXX dollars. I did default on this payment due to being laid off, and the account was sold to collections. 

Now, National Credit Adjusters holds the debt, but has falsified information stating that the debt originated in XXXX of XXXX, which is just a blatant lie. I have already reported the inaccurate information to the credit reporting agencies, but they say National Credit Adjusters was able to provide satisfactory evidence that it was opened in XXXX. As I have already verified the loan information with XXXX, the only way NCA would be able to provide adequate evidence that the loan was opened in XXXX would be if they falsified it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
this debt collector has violated several of my rights under the Fair Debt Collection Practices Act. I have never done business with this company and there is not a contract bearing my signature that i owe this company. This is false and misleading that i owe this company any amount of money which a direct violation under 15 U.S.C 1692e This company has damaged my consumer report by furnishing an account under false pretenses and committed Identity Theft. according to federal law 15 U.S.C1681s-2 '' A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate '' I will be filing a complaint with the attorney general and will pursue litigation

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 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Good Morning, I am deeply alarmed by this sequence of events. 

I notice on XX/XX/2021 that {$37.00} dollars has been adjusted off my checking account/ spend account. 

I have you call me - the first agent puts me on hold and disconnects. 

I have you call me again - the next agent states her and her supervisor only see adjustment of {$37.00} and escalate and I should have an email in 2 hours about resolution - no email comes I go to login to chime on XX/XX/2021 and it says my account has been closed- you owe me all my money that is in the account if you plan to close it and a justification. 

Luckily I took screen shots of my account before you closed it and did the math - my checking/spend account had {$37.00} you adjusted off on XX/XX/2021 without reason or notice - the savings has {$17.00} - so I expect a total of {$54.00} to be sent to my linked bank account at XXXX XXXX ASAP or paid to me via check - you are not allowed to take my money without notice and justification. 

You also cant say I have been active as I have logged in to use spot me boost multiple months. 

This behavior is unacceptable and a violation of federal banking laws and state banking laws XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: VA

Complaint narrative:
collection added to mycredit report. contacted remex multiple times for proof that i owe this. received a ledger that does not prove anything and includes medical information but no proof that i signed for them to have my medical info. possible hipaa violation? sent another request asking again for validation. Received a final letter from remex stating that they will not send anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction with XXXX on XX/XX/XXXX. XXXX has failed to disclose the right of rescission which is a violation pursuant to 15 usc 1635. Because they willfully and knowingly withheld this information XXXX is criminally and civilly liable and owe me twice the finance charge pursuant to 15 usc 1611 and 15 usc 1611. Pursuant to 15 usc 1605 is finance charge which is the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance they made me purchase my own. XXXX has threatened to reposes my vehicle which is a violation of 15 usc 1692e ( 4 ) due to non payment and they have never validated the debt pursuant to 15 usc 1692g. I did send a debt validation letter to them on XX/XX/XXXX. Also on this day I mailed a cease and desist letter 15 usc 1692c, also I mailed and had notarized an affidavit of truth which was unrebutted. I still have been receiving calls and emails stating this is an attempt to collect a debt which is a violation pursuant to 15 usc 1692b ( 2 ) and 15 usc 1692c. Other ways XXXX has violated me are by harming my reputation by reporting negatively to the credit bureaus pursuant to 15 usc 1692d ( 1 ), by providing me with false and misleading information by showing balances in a positive amount 15 usc 1692e, by using symbols on envelopes mailed to me 15 usc 1692f ( 8 ), and in the contents of the envelope 15 usc 1692b ( 5 ), threatened and used obscene language 15 usc 1692d ( 2 ), and threatened to action that they can not legally take 15 usc 1692e ( 5 ). Pursuant to 15 usc 1692k I mailed an invoice for every violation on XX/XX/XXXX. I allowed XXXX days to respond and pay and they did not. On XX/XX/XXXX I mailed out a default and opportunity to cure, a new invoice with new charges and gave them XXXX  days to either settle or send me payment amount listed on the invoice or I will seek litigation for non payment of violations. XXXX stated they are not a debt collector. Pursuant to 15 usc 1692a ( 6 ) the term debt collector means any person who uses the mails in any business for the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Investigation took more than 30 days
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Investigation took more than 30 days
Company: Total Card, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On my monthly XXXX credit report it keeps showing a JPMCB credit card account. I have no such account! Currently it shows a balance of {$16000.00} and a credit limit of {$38000.00} on the card. I have tried calling the Chase number listed on the report but because I can't give them a card account number and refuse to give them my SS # they refuse to help. I have made this call more than once. Because of purchase activity on this card my credit rating fluctuates monthly. The information on my report reads as follows : Company JPMCB Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account balance {$16000.00} Credit limit {$38000.00} I do have one credit card through XXXX XXXX XXXX XXXX but it has no connection with JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I checked my credit report and found a negative account that does not belong to me. This is so frustrating because I sent a letter to this company asking them to validate the debt they claim I owe and never got a response. More importantly, I can't move forward with purchasing my first home because of this XXXX company. It's been months and still no reply!!! This isn't right and this is very unfair! please help me resolve this matter ASAP!!! I been through enough already getting through this pandemic so this is most definitely extra XXXX that I don't need in my life right now ..XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I bought a brand new XXXX motorcycle from a XXXX dealership in XXXX, WA, in XXXX of XXXX. The dealership encouraged me to finance the vehicle through their financing company CitiBank. 

I told the dealership I wanted a " same as cash, no prepayment penalty '' financing, with zero interest because I pay off my loans very early. They agreed to carry the {$16000.00} loan until XX/XX/XXXX with no interest and no prepayment penalty. My XXXX XXXX CitiBank loan account number is ending in XXXX. 

I paid off the loan on XX/XX/XXXX more than 4 months early. 

I waited the customary 10 days to receive the title but nothing arrived. I waited another 2 weeks and nothing arrived. I contacted XXXX XXXX Citibank on XX/XX/XXXX and demanded they send the Title without further delay. I chatted online with " XXXX XXXXXXXX XXXX. '' He claimed they " did not have '' my mailing address -- despite financing my loan and receiving all personal information including mailing and residence address during the application process -- not to mention XXXX, XXXX and paycheck information, work and profession info, ... etc. So I gave them the address again that I know they had, or should have had, being the financing entity. 

On XX/XX/XXXX, I chatted with " XXXX XXXXXXXX XXXX '' who claimed the title was " sent back '' to the bank because they did not have my XXXX XXXX XXXX -- but she could not explain why it was sent back if it went to my residence? There is no reason for it to go back! I gave the bank the benefit of the doubt and I waited another 10 days they said it would take, and nothing arrived at my home or XXXX XXXX XXXX. 

On XX/XX/XXXX I got a note from CitiBank and they said I will have to call the toll free number XXXX because they can not resolve the release of the Title -- for no reasons stated. 

I am convinced that CitiBank is intentionally detaining my Title in retaliation for the early payment and because I did not default by failing to pay off the loan, so the bank can make interest payment ( profits ) off my account. There is absolutely no reason to withhold the Title, for what is now Forty-eight ( 48 ) days, if the balance has been paid in full. This is intentional and deliberate harassment, as well as retaliation against customers who pay off loans early, or on time. I am demanding they return the title to me.

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I was billed an annual fee of {$29.00} on my Capital One XXXX credit card. This card was originally opened in XX/XX/XXXX as a starter card to build up my credit. Within the last year, Capital One upgraded me to the new version of the same XXXX credit card. I called Capital One to question why I am still getting charged an annual fee of {$29.00} when it clearly states on their website that this card has no annual fee. I was told that the annual fee is dependent on the credit rating. I stated that can not be true because in the credit card lending statement it nowhere states that credit rating can affect and change the annual fee. They retracted and said that is correct but my annual fee has been carried over from my original terms. I spoke to a XXXX and they stated that they can not permanently remove the annual fee from this card even though if I were to apply for this same exact card right now, it would have no annual fee. I explained to them that is unfair to a consumer. I get a credit card with their company to build my credit. I do exactly what the card is designed to do which is to build my credit. I have had this card for 9 years and built my credit up to XXXX but Capital One can not honor what it states on the terms for this credit card. The XXXX credited me the annual fee for this year but told me the only options that I have is the cancel the card or apply for a new one. I asked if they could upgrade me to a card with no annual fee. They stated that they have no cards that I can be upgraded to without a fee. In conclusion, Capital One has only left me the option to cancel my credit card and lose 9 years of good credit history or run my credit for a new card with them to a new card because I can not be upgraded. Doing both these options will lower my XXXX XXXX. So if I want my credit not to be affected I have to pay an annual fee on a card that no longer has an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kason Credit Corporation
State: IL

Complaint narrative:
XXXX XXXX is charging nearly $ 2K for ambulance rides that were paid off by XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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 — Investigation took more than 30 days
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a call yesterday saying the caller is from Citi bank and he wanted to inform me that someone in Kentucky spend XXXX dollars in XXXX with my card, and he wanted to know if I recognized it. I told him I didn't recognize it and he said he will cancel it for me and he asked if I receive the Citi online ID code with the text message. I told him the code and he used it to transfer all of my money from my saving account through XXXX. At the same time, he started to transfer my money away. so I don't have to worry about the transactions that I didn't recognize and he assured me that the team would start an investigation team to work on it. He also stated that the new card will arrive in three days, so I believed him. His number is XXXX. I have no idea how he could just use the Citi online ID to access my account since I didn't even tell him my account number and password.

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