vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had an account with TD Card Services that went into default and I was working with XXXX XXXX XXXX XXXX to clear the debit. 
On XX/XX/2018 I received the letter in the mail from XXXX XXXX XXXX XXXX that my TD Account ending in XXXX had been settled and my debt was satisfied. I was told by XXXX XXXX that it may take a couple of weeks for TD Bank to report the change to the credit bureaus. Today, XX/XX/2018 I checked my credit report with XXXX   and saw that TD Bank is still reporting Charged off on my account, it is still open and still showing that I have made 0 payments. I called TD bank at XXXX and spoke with XXXX operator ID XXXX who refused to let me speak with supervisor and hung up on me. 
I then spoke with XXXX XXXX at XXXX XXXX who told me there is nothing he can do about it because they do not do the reporting to the credit bureaus, that I needed to call TD Bank back and speak with a supervisor. I called back and got Supervisor XXXX on the phone, ID XXXX who told me I needed to call Admin Recovery because it had been more than 181 days since the account went into default. 
I tried to explain that back on XX/XX/2018 when the account was settled it was not XXXX and this issue, if dealt with in a timely manner, would not now be 181 days out. She said she would have to escalate it to another department but offered me no info on call back but told me I could try and call her back. She stated there probably is not anything I can do. When I brought up the Fair Credit Reporting Act, she became defensive and told me I needed to go and start a dispute with the credit bureaus, which I have already done. This system is broken and it is impossible for an individual to be treated fairly. These agencies talk to you like you are losers because you had some financial trouble and they don't want to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
See attached letter PDF - with copies of statement, letters, etc. 
++++++++++++++++++ XX/XX/2018 CitiBank Office of the President XXXX XXXX   XXXX XXXX XXXX, SD XXXX Re : Account ending XXXX To Whom It May Concern, I received the attached letter from your Security Operations Service Team dated XX/XX/18, Though it had no specific reference to a dispute, nor a date , nor an amount, I believe it concerns a dispute I filed on my XXXX credit card for a charge : XX/XX/18 MewsSystemPOS Praque CZ {$400.00} See the attached copy of my Statement. 

When I first received this Statement, I immediately filed a dispute, and asked for a credit to my account. 

There were many reasons that I disputed the charge : 1. I did not recognize the vendor - XXXX 2. I have never been in XXXX XXXX 3. I had no memory of making this purchase Ive since learned that your Security Operations Service Team has not been able to identify the vendor except that it is a billing service for the travel industry. They asked me what that was. I said I had no idea. ( please review the recording of the phone call that was made to me from your people ) They have not been able to identify what was sold, nor able to obtain a copy of an invoice ( signed or not ) related to this charge. 

They only knew that the card had been physically swiped. 

Since then, I have learned that another charge/swipe, for a much lesser amount, was made within two ( 2 ) minutes of this one. 

To me, this is proof positive that a double swipe was made! And that this {$400.00} is fraudulent! 

Furthermore, I must point out that the charge is in US Dollars. In the entire month I was in XXXX, every other charge was in the local currency. 


I am extremely upset by the way that CitiBank has handled this matter. 

I have written several letters. 

I have made several phone calls and have had very unsatisfying conversations with CitiBank people who seemed to believe their job was to prove I was in the wrong. 

Their XX/XX/XXXX letter to me with no identification of what matter or incident they were referencing was at best baffling : and perhaps further indicates a very real lack of professional skills and/or competence. 

I once again request that this charge be credited to my account. 

Thanking you, I am 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 2018-10-11 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: TX

Complaint narrative:
Experian is reporting that I was 30 days late on my XXXX XXXX credit card payment in XX/XX/XXXX. 

XXXX Account Number : XXXX I have no recollection of ever being late so I disputed this and asked for an investigation to validate the item. The original request was sent on XX/XX/XXXX and was verified without providing me the proof I was requesting. I sent a follow-up letter on XX/XX/XXXX again requesting evidence to support their claim. This request was also ignored by Experian. This record of a late payment is the only thing negative on my entire credit file and it is causing me distress and anguish.

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 2018-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I logged into my Chase bank Account using my well known computer, verifying my account access using a text message Chase sent to my phone. Then using the same known MAC address computer, I set up a wire transfer from MY Chase savings account to MY XXXX checking account, and again verified this transaction with a text message from Chase. 

Chase then locked me out of my account. 
I was told I had to physically go into a branch. 

I had a XXXX XXXX but went in, and took precautions hoping to not transmit my cold. 
At the XXXX XXXX branch, XXXX closed my 1 account ( Savings ) and I left. He had viewed my license and a credit card and verified my identity. My checking account is still closed however, and I am told by the central located agent I have to go into a branch again. I called the XXXX XXXX. Branch and XXXX said he had tried to call me and the number went to voice mail. I have no voice mails, nor do I have any record of his branch phone number. I am still sick, and now must go to another branch potentially infecting people. I am not used to a Bank lying and blocking access to my own money. 
Being a small entity, I have no recourse except you and my social network. I am adding my name if there is a list of patrons with similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST 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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I have been provided in trying to settle this account, Account # XXXX - Reference # XXXX - Settlement Amount XXXX. 

I have been in talks with XXXX XXXX XXXX  since XX/XX/2018 and to date my credit report has not been updated correctly to reflect the corrects status on my account. 

XX/XX/2018 - I agreed to the terms of the settlement XXXX offered and I paid the account in the amount of XXXX. I was assured by XXXX XXXX that my credit report would be updated as a settled account with a zero balance within 30 business days. 

XX/XX/2018 - I received a letter stating the account was paid in full from XXXX XXXX. 

XX/XX/2018 I was contacted by a XXXX XXXX from XXXX XXXX XXXX XXXX who was seeking a settlement for the Conns account I had just settled on. I explained I paid the settlement offer through XXXX. Mr. XXXX asked that I send my documentation to him at the XXXX. I did this on the very same day and I have attached the emails as proof. 

XX/XX/2018 I contacted Conns and I spoke with XXXX I explained my situation and she gave me an email address for a  XXXX. She suggested I send her all of my documentation and that XXXX would recall the account back from XXXX and then they could update my credit report. She stated Conns received the funds and proof of my payment from XXXX on XX/XX/2018 and that all that was needed was the account be recalled back to Conns. 

XX/XX/2018 I contacted Conns and they said I needed to call XXXX because they claimed they had no information on this issue. I contacted XXXX   and I spoke with a supervisor and they assured me they had already returned the account back to Conns since they had nothing to collect and I would need to speak with Conns. 
XX/XX/2018 I called Conns again and explained my situation and they stated I should contact XXXX XXXX because she had all of my information. I also told Conns that XXXX assured me they had returned the account to Conns.  I was told Ms. XXXX would call me back and she never called. 

XX/XX/2018 I followed up with Ms. XXXX XXXX via email to which I received no response. 

XX/XX/2018 I called Conns again with my loan officer as a three way call in hopes that having a third party would assist in getting this resolved. My loan officer asked several questions and recorded the call and we were assured this would all be resolved within 72 hours. 

XX/XX/2018 I called Conns again with loan officer as a three way call and we were told this would be resolved within 24 hours. 

I have been dealing with this issue since XX/XX/2018. I would like my credit report updated to reflect this account as settled and has a XXXX balance. I have paid the account per your settlement terms and I have been more than patient while I have been getting the run around from your office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the  purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. 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
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: CO

Complaint narrative:
Delta Management Associates just contacted my employer to ask for an employment verification. I do not have any accounts with this company and have never received any written notice or phone calls to my personal phone number ( which I use to set up accounts ) regarding any debt owed. About a year and a half ago, Delta Management Associates called my office and connected to my desk number and asked me to give them my SSN so that they could access my account information. At that time I told them that I did not have an account with them and absolutely would not give them my SSN. I had not heard from them again until today my receptions said that they called asking to verify my employment and that she directed them to our online verification system. She said they sent her a fax that had my SSN on the paper, but she shredded it before telling me. I am concerned that they have somehow obtained my SSN are trying to find ways to get more of my personal information.

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 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 AARP CHASE VISA I have made a payment in full in the amount of {$1000.00} today XX/XX/2018 I attempted to make a payment to XXXX XXXX in the amount of {$59.00} and the Card did not go through. When I called AARP CHASE Visa the issuer of the card they said they put a hold of 7 days on my card. I paid off the full amount and they should not had put a hold on my card. I told the Rep I also have XXXX  XXXX and by next day the card is cleared to XXXX balance. I have no idea why AARP CHASE Visa does that to my card but I don't think it's right. They know I made and make those charges each month. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: WA

Complaint narrative:
Even When I make on-time payments they refuse to let me pay toward my principle. I have overpaid my bill every single month and not XXXX dollar has gone to the principle There effective forcing me to pay interest indefinitely and when confronted about it they hold their ground that its fair practice despite the fact that every other student loan vendors I have ever had before allowed it. They are a predatory loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: SC

Complaint narrative:
Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: E*TRADE BANK
State: MS

Complaint narrative:
ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
Today I received a medical collection letter for {$520.00} for a bill that is not mine. The collection company name is Medical Business Consultants and the charges are for XXXX XXXX XXXX XXXX. where I have never been a patient. I will not call the number on the letter because I believe this to be a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I haven't used my Chase Slate card in about 9-10 months. I actually forgot that I still had the card. My card was damaged and wouldn't work anywhere so I ordered a new card and started using it once again. Upon using the card again everything was ok and working. Chase sends me a letter stating unsatisfactory relationship with them. Whatever that means. I have never been late or missed a payment with them ever. I have never missed or been late on anything in my life. They can see this through my credit report. Nothing giving a detailed explanation of why they would send me a replacement card to use and then close my account shortly after receiving and using the card. During the call to get a replacement card mailed, I tired a credit line increase in which I was denied of. Which is fine thats a small hit on my credit but to close my account for no reason explained after all this is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
Im being garnished by a debt collector. This debt is from XXXX which is over 7 years. I have not been to court since XXXX about the case. The debt is no longer on my credit report and I have no reason to pay these people. The collector have garnished me 3 times and took my bank account wages. When I call the number of the debt collector I can never speak with the man thats garnishing me he is always in court or not accepting calls. Please help me with this financial nightmare. I have been through financial hardship from this debt company they are harassing and bullying me. I need help getting my life back on track and free of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XXXX, I filed a complaint against Resurgence Capital on debt that was not validated. The provided the attached response. The problem I have now is that the date of first delinquency on my credit report is not correct. It is listed as XX/XX/XXXX when it should be listed as XX/XX/XXXX. You can see the date the last payment was received was XX/XX/XXXX per the attachment supplied by Resurgence Capital in my earlier complaint. Misreporting the date of first delinquency or " re-aging '' is an FCRA violation.

Company response to consumer: Closed with explanation