vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My wallet, debit card, drivers license, and social security card was stolen on the XX/XX/XXXX. Also I as out of the country on a XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX.  During that time I was not able to use XXXX XXXX to send money from the XXXX, so i authorized my son to do a few transactions for me up until XX/XX/XXXX. I was in The XXXX during the month of XX/XX/XXXX and XX/XX/XXXX as well. The TD bank Manager XXXX of XXXX XXXX, Florida, can attest to this. I had to call him twice from overseas to unblock my debit card. Between XX/XX/XXXX up to XX/XX/XXXX, multiple XXXX XXXX transactions was stolen from my bank account. I gave no one permission to take any money from my account, and the bank keeps denying my claim, stating that all Three debit cards were used to obtain the funds. I contacted XXXX XXXX, and they state only one debit card number was used in this fraudulent action. The bank is stating differently. Also, On XX/XX/XXXX, I reported my debit card stolen once i was in the states. The bank once again are stating regular spending patterns, but this is not the case at all.In all I am owed XXXX. I feel the bank is trying not to pay me due to the large amount. Please help me to recover my stolen funds. I have made 2 claims with TD bank, but they refuse to help me XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Notifed TransWorld that I made the payment to XXXX XXXX XXXX. TransWorld rep still attempted to collect a debt and send notifications of an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
Good evening, When looking over my expenses to file my XXXX taxes. I noticed amounts on my account from XX/XX/XXXX, that were not returned to me nor did I charge to my card. 

There are a total of 5 transactions from XXXX on this day. Out of the 5 I only did 2 of the transactions. The two that are correct are {$100.00} and {$6.00}. The 3 transactions that I did not do and tried to dispute with XXXX and Chase are {$90.00}, {$48.00} and another for {$48.00}. 

I called XXXX on XX/XX/XXXX to dispute the charges and submitted all information and evidence to support the disputes via email. After a week I followed up with them and they told me there is no other transactions that they see other than the 2 transactions of {$100.00} and {$6.00}. They told me I have to dispute charges with my bank. 

I called Chase on XX/XX/XXXX to dispute the charges of the {$90.00}, {$48.00} and {$48.00}. They told me because the charge is past 60 days there is nothing they can do and to reach out to XXXX for them to credit back to my account and thatI should have payed attention to my statements that I don't get in the mail or sent to me might I add. 

So again, I called XXXX spoke to a supervisor on XX/XX/XXXX XXXX Who said under that store that day ( XX/XX/XXXX ) under my card number and under my transaction history they have no record of the additional 3 transactions. They sent me emails of the receipts that are accurate of the transactions that are correct and a email from the supervisor reassuring that there are no other charges on their side. They told me I would have to contact Chase back. 

Today XX/XX/XXXX. I called Chase and spoke to a supervisor by XXXX who refused to do anything even with all the evidence I have to support that XXXX has no charges on their end and even though XXXX is not fighting these charges that I did not make because again they can't open a dispute past 60 days. Even though the dispute is with the bank holding the funds instead of crediting it back, they still refused. So I told them I would file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I was redeeming rewards points on my Barclay Card Mastercard account.I was given the option to choose from several products & choose XXXX XXXX XXXX XXXX XXXX. When I placed my order I was charged a {$4.00} S & H fee for each item which I gave my card number and placed the order. I did not  order any other products, or agree to any future charges or shipments. When I received another shipment of products on XX/XX/XXXX I looked at my card account and found that my card had been charged {$85.00} on XX/XX/XXXX and XX/XX/XXXX ; as well as {$110.00} on XX/XX/XXXX and XX/XX/XXXX. I called Barclay Card and requested to dispute these charges, I was told that I needed to contact XXXX XXXX XXXX directly. When I spoke to XXXX at XXXX XXXX and explained that I did not want any of the products and that I would be returning fr a full refund, I was told that it was too late and that I had agreed to receive all products when I ordered my first product. I did not sign any agreement to receive these products and my card has been charged {$410.00} plus interest, which I am unable to pay due to my limited income and my XXXX spouse. I have returned all products to XXXX. Can you please assist with this issue. I have also logged and dispute on both companies website and received no response.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XXXX, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of Midland Credit Management ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was XXXX. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
We have been with MyControl Card for years and we have never had any issues up until two weeks ago. Two weeks ago, my husband contacted them due to we both received a text message to call customer service. We called the number on the back of our cards and was told that one of the cards was compromised and we needed to verify our info. We verified our info by phone and sent them in info as well. They closed out our current cards and sent new ones. We tried to pay a bill today, XX/XX/2020, neither card works, called the number on the back of the card and got told that our account was closed out and we would be receiving a check within 7-15 business days. We kept asking why it was closed out without them notifying us first because we have to pay rent and by the time we get the check, we will either be evicted or have to pay a lot of late fees. We got transferred 4 times before someone said that someone called trying to change the info on the account. We ask the guy how can we get our money because we have to pay rent on the XX/XX/XXXX and can't afford any late fees, the guy just stopped talking and just kept saying they can't do anything and he can transfer us to customer service who already transferred us to them, we ask for a manager ad he said one wasn't available and transferred us to customer service. We have been on the phone for over an hour now. We are still getting told 7-15 business days to get our money and rent is due in 2 days. This is bull and we are  either going to owe a lot due to late fees are charged daily starting on the XX/XX/XXXX or we are about to face eviction real soon. Whatever you do, do not get a prepaid card with NetSpend/MyControl

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 2020-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
my mom took out loan against house to pay bills ( XXXX ), she passed away in XXXX, never missed or was late with payment, house quick deed to XXXX sons XXXX daughters, XXXX mortgage company ( XXXX ) which has since filed bamkrupcy and sold mortgae raised monthly payment from XXXX to XXXX, made some payments for that amount then my girlfriend got XXXX had to miss alot of work, tried several times to work out something, XXXX dragged it out till XX/XX/XXXX even agreeing to modification in XX/XX/XXXX, i made 3 payments of agreement all on time, XXXX XXXX XXXX, after payments recieved XXXX negated loan agreement and wanted payments of XXXX per month, tried several times to resolve with them, then sold mortgage to shellpoint XX/XX/XXXX, shellpoint will not work with me or give me any information scheduled foreclosure sale XX/XX/XXXX, i have no way to defend, can i get any help?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK EMPLOYEE SUPPOSEDLY DEPOSITED OVER XXXX into my checking account through line of repayment refund by error and citi bank is now charging me for that deposit plus interest. I have stated and sent documents showing citi I have not received any money nor did I ask for any money. This is a clear mistake by the CITI employee and I have a letter stating that directly from citi. My credit card account was closed without notice and my XXXX $ deposit was used to cover a debt that isnt mine. I have sent documents and statements to citi proving I have none of that money supposedly deposited or fault in this. The card I had with citi is a XXXX $ limit card and because of the error caused by the employee the balance is well over the limit at XXXX. This puts my credit usage on my credit report well over 1000 %. Citi should take responsibility for this and clear this with the bureaus since it was caused by their employ.This error caused by the employee is hurting my credit score severely and citi is not taking any measures to correct this mistake by their employee.

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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX. 
Opened an account at SunTrust Bank in XXXX, XXXX. using a {$5000.00} cashier check written on XX/XX/XXXX from our XXXX XXXX XXXX   account in XXXX, XXXX. Was told the account was opened and given over the counter checks, ordered checks and ATM debit cards. 

Week of XX/XX/XXXX Went to the drive through window at bank to deposit checks into the newly opened SunTrust account. Was told to park the car and come inside bank due to a red flag! Once inside bank was told that there was a legal problem and was being sent to the fraud department and that the account had been closed. No explanation was given about why the account ended up in fraud department but we would receive a letter of explanation within 15 days. 

Weeks of XX/XX/XXXX to XX/XX/XXXX Many trips to Suntrust Bank to talk to management about an explanation for closed account, where our {$5000.00} was and when the money would be returned. NO ONE in the bank could answer any questions nor could they get any answers by calling the fraud department themselves. We were told it was in PROCESS with no date of money being returned. 

XX/XX/XXXX Received 1st letter from SunTrust bank with no explanation and only stated that we would have to make alternative arrangements for banking needs. We were given a number to call to get more answers. 1-800-suntrust. After numerous calls over the last 2 months all we are told is it is in process. 

XX/XX/XXXX Second letter from SunTrust stating fraud department reviewed the status of the funds and they were still trying to determine if the funds should be returned and a check would be received in 15 days. 

XX/XX/XXXX XXXX XXXX XXXX sent letter of reclamation and copy of cleared cashiers check, per SunTrust request. 

Week of XX/XX/XXXX SunTrust confirmed they received the necessary documents. And again we get its in process XX/XX/XXXX It has now been two months and we still have no answers nor have we been refunded our {$5000.00}. We have contacted management at XXXX XXXX XXXX in XXXX and were told the cashier check had cleared through SunTrust and we were sent a copy of the cleared check. 

We are in our late XXXX  and live on a small fixed income. We have moved to XXXX to live with our daughter and this has been an absolute nightmare!

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 2020-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Removal of XXXX accounts on report should be made. I have disputed these accounts with CFPB and XXXX. I have received letter confirming removal of these accounts which should not have been reported in the first place.

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 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The account is showing as closed when account is open. Account is charged off and car was repossessed but I payed past due balances and got car back and back in good standing with Chrysler. However account is still showing as closed and past due by over 6,000.00 $ when in reality balance is at XXXX and monthly payment of XXXX are being made until XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: GA

Complaint narrative:
They continue to harass me about debt thats four years old and debt that was fraudulent committed without my consent

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 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I contact KLS Financial Services Inc. and informed them I do not owe this debt and it was added to my credit report with out notice. They added 4 account to my XXXX  report. this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I don't know where else to turn at this point in order to save my home. I have been sending documents over and over to the lender and it just doesn't stop. Every time they review my documents by the time they are done they have expired and ask for additional documents. Please help me save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2020, I [ XXXX XXXX ] made a second attempt to resolve a debt in the amount stated by a representative of XXXX XXXX XXXX ( {$2300.00} ).  Previously, I received calls from this company asking me to verify personal information prior to discussing why they were calling ; the representative doing the initial contact stated my account [ XXXX ] is with their legal department, the day I contacted them the same line of inquires from the representative was deployed. I felt pressured and uncomfortable verifying my personal information before anyone would discuss this account. the tactics is an attempt to gather additional information on individuals. After this information was confirmed by me, and my financial status known the representative knowing my inability to pay the total amount informed me the only way I would be able to set-up arrangements was to make a deposit of {$710.00} at {$50.00} a month. Initially, I informed contact I realistically couldn't afford anything above {$25.00} a month. This company wants to set the terms and amount of any potential agreement. It's my understanding that The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. I'm requesting fair treatment be granted, tradeline be removed from credit files and credit files be updated.

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 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a complete payment for my credit card in store but even though it says on my credit card issuer 's website that the payment was complete. They are still charging me the same amount plus the overdue fees.

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 2020-01-31 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I was solicited to open a charge card through XXXX  a company that I have dealt with for several years. When I was rejected, I got a letter from XXXX XXXX  on XX/XX/2019 and it was reported from SAGESTREAM , LLC had submitted information I was deceased. I have tried to contact Sagestream at least 10 times and I only get an answering machine with the message they will call me back but they never do. I submitted a request for a credit report from their company online twice and I have not received it. I sent them a letter along with a copy of my driver 's license requesting that they fix the error and the only thing that I got back from them is a letter that they received my correspondence and a copy of my rights.

Company response to consumer: Closed with explanation