vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 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: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXX EST I logged into Capitalone.com to pay off my credit card in the amount of {$2500.00} ; my payment was dueXX/XX/XXXX. Immediately after I completed the transaction on the same date and at approximately XXXX EST I called Capital One to close my account. There was an automated service for account closings but I wanted to make sure that I spoke with a person to ensure my account was closed. The represenative I spoke with said he would close the account but that I would receive a final statement for interest. I advised that the interest is always charged on the XXXX of the month and charged when there is still a balance ; I had no balance. I also advised him that I made sure that I paid the current balance, that the current balance and statement balance were the same amount and that the full payment was made before the due date and before the next statement closing. He asked me if I would like confirmation of my account closing in writing and I advised I would, however, I still have yet to receive that in the mail ; my online account is currently notated as " restricted ''. He then threatened me with not only interest but interest accuring on top of the interest I allegedly owe in addition to fees until I paid Capital One. I asked him to notate my account as I would be filing a complaint. I continued to receive e-mails, more e-mails reminding me there was an alleged payment due in the amount of {$43.00} than I ever received when I had an account open. I called today, XX/XX/XXXX at approximately XXXX XXXX EST and spoke with a supervisor named XXXX. She said she would put me on hold and look into getting the {$43.00} " waived ''. She said they could not waive the interest although it is my position they should fix their erroneous calculation. XXXX also stated that the notes indicated the represenative that I spoke with on XX/XX/XXXX offered me a payoff amount ; he did no such thing, he said I would receive a final statement for the interest and offered threats because I advised I would be disputing any amount charged and because I paid off my entire current balance and closed the account. I asked XXXX to notate further that I would be filing a complaint with the Consumer Finance Bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX I applied for a TJX Rewards Card. The application was denied by XXXX XXXX, Creditor. I received the written explanation on XX/XX/XXXX which stated that the decision was based on XXXX reporting " applicant is deceased ''. I complained to you about this XXXX and XXXX  responded that they did not deny me credit and they have no record of my being deceased. I then obtained my full credit report from XXXX   which in fact, shows no credit denial, no deceased and no problem. I have called and written Synchrony with no results. I request your help in having these " errors '' corrected. Their wrongful credit denial caused me a great deal of public embarasment, a 10 % cash discount and future benefits associated with the reward card. There should be a penalty for their sloppiness, and poor attitude. They make no effort to correct the lies.

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 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my Ink credit card account over the phone with chase. They notified me that my points would expire 30 days after I cancelled the card, unless I transferred them to my other account. So I had them transfer them to my Chase Freedom account and then close the Ink account. A few months later I went to redeem my points and they are all gone. I contacted chase to see why they weren't in my account, and they said they didn't get transferred to my other account and that they won't reimburse me for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank is terrible credit card company. Stay away!!! 
The calls are answered by people who can not understand English. I have requested that my account be closed already 4 times, yet it is still not done. Only false promises and lies. Every month there is a problem because Fifth Third will not mail me my bill. Also, they are not able to send a notification email that the statement is ready. Impossible to work with. 
I spoke with " XXXX '' and " XXXX '' employee # XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: NC

Complaint narrative:
I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX bank XXXX ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent 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 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I paid my XXXX statement balance XX/XX/2018, in the amount of {$4700.00}. My payment due date was XX/XX/XXXX. Terms state in part, " If you pay your account in full ... no interest is charged. '' Chase has conjured up something called, " residual interest, '' an attempt to justify this violation. It is not fair to the consumer and leaves open abuse of fair practice. Immediately, after I received my bill with the interest charge of {$35.00}, I called Chase customer service and was told they would not remove the interest charge despite the fact I paid my entire balance before the due date. Subsequently, I emailed Chase through my secure account in protest of the unfair charge and received the following reply : " You paid yourXX/XX/XXXX statement balance in full. However, the XXXX statement balance was not paid in full by the statement due date. To avoid interest charges, the statement balance needs to be paid in full by the due date. When the XXXX balance was not paid in full, the remaining account balance was carried over into the next billing cycle. This is referred to as residual interest charges. Residual interest charges are assessed on the purchase balance between the date the statement closed, and the date the payment in full was received. As a result, the residual interest charge of {$35.00} was assessed on the purchase balance on your account. Going forward, as long as you pay off your statement balance in full by the due date each month, you will not accrue any additional interest. I am unable to credit the interest charge. Thank you, XXXX XXXX Payment Research Specialist XXXX '' The aforementioned gobbly-gook is unfair to the consumer and results in a double interest charge. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX I receieved a notification from XXXX stating I had an alert for a new credit inquiry. ( When I looked it stated XXXX XXXX ). I until todays date have not receieved a 30 day right to dispute letter. I amcertain your company is familiar with The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. Once I received the alert I XXXX the company and sent them a letter certified and with return receipt. As you can see the copy of the return label it was signed for by XXXX XXXX or XXXX XXXX ( camt read the had writting ) on XX/XX/XXXX ( see attached ) here we are XX/XX/XXXX and I have yet to recieve debut  vaildation or a letter stating the primary purpose fo rrunning my credit. On my credit report It states I allegedly owe XXXX XXXX XXXX dollars.Attempts to collect debt not owed without vaildation is illegal.I will be filing a consumer complaint with the FTC as well due to the failure to reply with 30 days.Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Therefore you are in violation of this section of the FDCPA. I will be taking legal action against Transunion for defamation of character, Failure to vaildate debut.

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 2018-03-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX and XXXX and XX/XX/XXXX my credit card number was used by someone other than me at Experian XXXX. In earlyXX/XX/XXXXmy credit card was also used by someone else than me at XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MA

Complaint narrative:
All correspondence and attempts to collect this alleged medical debt from : Stoneleigh Recovery AssociatesXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Timeline : Stoneleigh Recovery Associates ( SRA ) XX/XX/XXXX : Two ( 2 ) notices looking for payment of {$60.00} each ( total {$120.00} ) two separate account numbers and two separate SRA file numbers. One notice had my address written incorrectly. 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA mailed notice to me they had received my request for verification and were awaiting information from their customer. Letter also stated there would be no attempt to collect on this account during this time. 
XX/XX/XXXX : SRA mailed partial verification of debt ( four pages including cover letter, page one : cover letter, page two : notice of physical address of Massachusetts office, page 3 : copy of a XXXX XXXX from a doctors office, page 4 : explanation of patient notes, with no name or account number on it. 
XX/XX/XXXX : SRA mailed one notice looking for payment of {$60.00}. Address incorrect, different account numbers and file numbers from previous year ( see above ). 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA send me notice they received my request for verification of debt. Included in letter is the statement : During this time SRA will not attempt to collect on the account. 
XX/XX/XXXX : SRA mailed me four ( 4 ) notices of debt, ( all different account and file numbers, address incorrect ). These notices were looking to settle these four new accounts for less than their alleged original debts. 
XX/XX/XXXX : I sent, by registered mail correspondence to SRA which included a copy of the notice that said they would not be attempting any collections until previous debts were verified ( which I never received ) and requesting verification of the 4 new alleged debts.

On your site I noticed that SRA has engaged in activity similar to the one described by me above. I put in my correspondence I would be filing a complaint with this agency and the Massachusetts Attorney General. I may also seek private counsel to pursue monetary compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In order to help out my brother, to help improve his finances, we called Wells Fargo Thursday XX/XX/XXXX to stop his ability to get cash advances through his credit card. The idea is to plan ahead, understand what one should do, and make a long term decision with the credit card company, to hinder ones ability 'in the moment ' to compromise and give in to getting a cash advance.

Wells Fargo refused to do this, saying they couldn't. I don't believe them. If they can increase limits, they can also decrease limits, and they can stop ability to do advances. They just don't want to.

I called again on Saturday XX/XX/XXXX, with my Wells Fargo credit card account. I asked for them to stop and freeze my ability to do cash withdrawals. They refused and said they couldn't. I asked for them to lower my cash advance limit, to an emergency type of level ( like {$100.00} ). Again they refused and said they couldn't.

I believe it is right and proper for consumers to have the ability to reduce ones limit for cash advances. We already have the ability to limit total credit limits.

Credit card companies make it too easy for people to access and make cash advances ( and they charge them exhorbidant interest rates to boot ). I believe this preys on people 'in the momemt ' and offers them quick cash in the moment. While they state the interest rate, not all consumers understand this, and the 'fine print ' of what the credit card companies charge ( 25 % interest, interest daily and immediately ). I believe it is in the consumers best interest to have the ability to limit ones long term access to cash advances. What are the credit card companies afraid of? THey make obscene amounts of money off cash advances and don't want this golden goose cut. It's just not right. Consumers should have the option to limit it for themselves and others who hold their credit cards.

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 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a Wells Fargo Visa Platinum Card - which i got it very recently. Some issues with their customer service as there is no chat and very long hold times if I try to call. Website is too old and not intuitive. 
Unfortunately as part of the account setup - i tried to setup alerts and notifications but it's not always working. 
I was always on-time in terms of making the payments. 
I was out of country during XX/XX/XXXX to XX/XX/XXXX. Didn't got any alerts and notifications from Wells Fargo. And it seems they charged me some Late fees of {$15.00}. 

When their customer service is so aweful, website is so minimal - they should at least forgive first time the late payment. And look for why the automatic payments and alerts/notifications are not working.

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 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.

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 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: AK

Complaint narrative:
This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: ID Analytics, Inc.
State: VA

Complaint narrative:
Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX  and XXXX  scores are XXXX ... XXXX  score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.

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