vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To whom it may concern : With respect to where/how this alleged account was originated, I have not the slightest idea? 

I have not had any business with XXXX XXXX XXXX XXXX ( other than many years ago with home telephone service?? ) Additionally I have never received any statements, letters from a collection agency concerning XXXX XXXX XXXX XXXX, phone calls, emails, no communication whatsoever. 

The amount they are seeking/claiming that I am owing them is {$1400.00} This is nothing short of an attempt to extract monies from me, and or them chasing the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had applied for a Total Rewards Visa Credit Card through Comenity Bank located in Ohio. I called and spoke to a representative over the weekend either Saturday, XX/XX/XXXXor Sunday, XX/XX/XXXX to find out more information about a balance transfer to another credit card. XXXX, the representative who I spoke with was not too knowledgeable about providing me the accurate information and, although I started with applying for the balance transfer I requested that he wouldnt put it through until I confirmed the mailing address for my credit card company. I thought he understood what I said and that he was not going to process the transfer. However, when I checked my Total Rewards Credit Card account over the weekend I found that my account was charged. I called and spoke to another representative, XXXX, who spoke very quickly and she said that she was going to send an e-mail that if the balance transfer did go through to ensure it was sent to the mailing address I provided for my credit card company. Apparently, if she would have read the notes she would have found that XXXX sent it over to the Balance Transfer Department to cancel the request.
This morning ( XX/XX/XXXX) I called and requested to speak to a supervisor and I got connected to a very rude woman, named XXXX, who was allegedly a resolution specialist. She said that they would not be able to provide any further information for at least ten ( 10 ) days as to what the status is of the balance transfer. This is ludicrous because it is my responsibility to pay my other credit card and right now I am in limbo as to what I should pay since I do not know if and when the balance transfer is going to be applied to my credit card.
I want to escalate this complaint to someone at Comenity that is knowledgeable and cares about their customers.
I would like to know what kind of people Comenity employs that are dealing with other peoples monies? I am the innocent customer who now has to deal with the mistakes they have made at Comenity, which is certainly unfair and unacceptable to say the least.
I also have filed a complaint with the BBB of Ohio and am still in limbo as to the status of the balance transfer which should have been cancelled but, to my knowledge, is still showing as a pending charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to remove a state tax lien incorrectly reporting on my credit bureau after repeated phone calls and online disputes through their website. The item that is being reported in error is : XXXX County Recorder Docket or ID # XXXX, State Tax Lien. Per the rules set forth by the National Consumer Assistance Program, no lien may be reported on a consumer credit file unless it contains the following information : Complete Name, Address, Complete Social Security Number and/or Date of Birth.
I have attached the item for review and it clearly shows only a partial Social Security Number with the first 5 digits being redacted and therefore does not meet the minimum requirements to continue to appear on my credit report. XXXX and XXXX have removed this item from their bureaus and Equifax should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
chase has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in 2017, and Chase has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped Chase from running my credit again at least twice after the fact. 
I want this ended, yet Chase continues to run my credit regardless of the freeze on my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: OR

Complaint narrative:
When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
Looking to complete a simple HARP refi with current lender, Nationstar now XXXX XXXX. I have not received the " Dinner and a Movie gift card '' from promotion flier they mailed out on many occasions. Completed application almost two months ago and have yet to see my credit score disclosure or the rate options that were discussed. Originally said the gift card would go out three days after application, so false and misleading advertising. Have spoke to them on multiple occasions and they just keep saying next week I will get gift card. It would be good to get credit score info so I can start looking for other options with out each lender pulling credit. Left messages no return call. Said they would beat other lenders rates but wont call me back to discuss. Other bad service type of things but these are my main issues for now. Any help would be appreciated.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.

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 2017-09-07 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: WA

Complaint narrative:
On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
Hi im reaching out because I have never went to this school, i asked for the original contracts and paperwork with my true signature, contract anything. instead i received a blotted out promissory note with electronic signature on file that i never gave consent. I have sent in 3-4 dispute letters to gc service collection agency asking for the papers with my true signature and they never produce it. however i have a XXXX. sent to my employer to have my wages garnished which is unfair because i have cooperated with GC services. can you please investigate this matter i have reached out to the apollo helpline that is with XXXX international school and department of education but they all are asking for my true signature that i refuse to give until see some paperwork that i have signed, i called my local police department and they said that there is nothing that they can do without some paperwork. please help thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
Kramer & Frank has ruined my credit history for medical bills my ex husband owes and I divorced him. Why are these bills in my name?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB PLEASE PLEASE INVESTIGATE CHASE BANK AS THEY ARE STEALING MONEY FROM MY ACCOUNT!!!!!! 

my account was negative on onXX/XX/XXXX for {$67.00}. my daughter transferred {$70.00} by their cut off time of XXXX and XXXX XXXX eastern time. the money was in the account by the XXXX XXXX cut off time and per the last cfpb complaint I filed against chase I had the money in the account at the time they had stated. 

today, XX/XX/XXXX I 'm looking at my chase account and they charged me 2x {$34.00}. I am living off a fixed income and can not afford for the bank to cheat and steal my money so much. 

I asked them to reverse it and they came up with pathetic excuses that quick pay is different cut off time. how would the consumers know about their rules and regulations when we do n't work for chase!!!!!! I was told the last supervisor whom I spoke with, XXXX, and she did n't care to reverse the fees. These fees do not belong to me!!!! I followed their instructions on the time to have the money into the account and now they are trying to find another excuse to steal from my account. 

CFPB I am asking you to investigate the practices of chase and to not let them to continue to harass, cheat and steal from hardworking individuals. {$70.00} is a lot of money to pay for fees when the funds were in the account by the cut off time and I had complied with their cutoff times of what they had advised me in the past! 

I forgot to include, I talked to XXXX XXXX, who was a manager and she brought past overdraft fees which are irrelevant to the issue at hand. the issue is whether or not this current overdraft fees should have been assessed and the answer is no. in a court of law if past overdraft fees were presented as evidence to slam the character then it would be denied so what gives this manager the right to include it in assessing the refund of the fees. 

my money was transferred into the account by the cut off time and thats all that they should look at and the fees should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On or about XXXX XXXX, 2017. I contacted Midland Credit Management , Inc. ( MCM ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: TX

Complaint narrative:
Filed against : XXXX XXXX Complaint Description : Mystery account for SYNCB/WALMART DC appears on my credit report. I have never sought credit from SYNCB NOR WALMART. FROM XXXX - " .. Company Name : SYNCB/WALMART DC Company Address/Phone : XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Last Activity : N/A Type : Revolving or Option Rate/Status : Pays account as agreed High Credit : {$3600.00} Terms : N/A Balance : {$14.00} Past Due : {$0.00} Most Recent Date Reported :XX/XX/XXXX Comments on Account : Credit card, Amount in H/C column is credit limit .. " DISCOVERED THIS ON MY CREDIT REPORT. I HAVE NEVER SOUGHT CREDIT FROM SYNCB NOR WALMART. SENT THE FOLOWING LETTER ON XX/XX/XXXX- " .. To whom it may concern : OnXX/XX/XXXX, I began credit monitoring under XXXX . After which time I have noticed a credit account on my report that I have no knowledge of. This account is ... Syncb/Walmart DC I have disputed this account with XXXX. Your response to their investigation was to report that this account belongs to me. It does not. I have never applied for credit with Walmart, GE Capital Retail Bank, nor XXXX XXXX I am contacting you to request written proof regarding this account, including the original agreement. I make this request, pursuant to Section 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ). I attempted to pursue this by phone, ( ( XXXX ) XXXX, ( XXXX ) XXXX ), but after 3 transfers, your agent hung up on me. I am sending this via tracked mail.
Your Desired Resolution : written proof regarding this account, including the original agreement.

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 2017-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC.
State: NV

Complaint narrative:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX Bank Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX

Company response to consumer: Closed with explanation