vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX  who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. 

Meanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX  who last stated ( Monday  XX/XX/XXXX ) that I should have my credit by Wednesday  XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. 

My checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. 

I feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. 

I feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I called the number that was sent to me via email for their protection time ( bluebird by amex ) yesterday XX/XX/20 spoke with a representative in regards to my account being " permanently suspended/locked for violating certain agreement section '' ( they gave me no date or when violated just stated it was due to a return policy ...? ), And I inquired about the entirety of my money when I deposited every two weeks from my previous job I worked XXXX XXXX at local XXXX. I had roughly $ 26-28 and change remaining on the card when it was locked as of XX/XX/20. The representative told me she can not " promise that I will be able to get MY money back, and there might be a chance that I might not get it back '' - due to unnamed reasons ... Which is completely absurd. I informed her I was going to be in contact with the XXXX, as well as Consumer Financial Protection Bureau due to this absurd situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
My complaint is regarding two companies known as Paramount Recovery AND XXXX  Hospital their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX   files permanently Paramount Recovery S Opened XX/XX/2019 {$490.00} Original creditor : XXXX  HOSP Creditor Information PARAMOUNT RECOVERY S XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
I purchase a vehicle in XX/XX/XXXX my payments started XX/XX/XXXX. My car note is {$230.00}. I make two payments each month to equal my due amount. I have always been a month ahead. My first payment was made on XX/XX/XXXX {$130.00} then XXXX XXXX {$130.00} which made my XXXX payment. XX/XX/XXXX {$130.00} and XX/XX/XXXX {$130.00}. Which was for XXXX payment that was paid in full. I called on XX/XX/XXXX since the IVR stated my due date was XXXX with an incorrect balance due of {$260.00} and should have been {$130.00}. At this time CSR stated they would have this corrected and sent to the account team to correct the information. I then made my payment of {$130.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX for XXXX. I then again had to call for the same reason and was told the same thing that this would be corrected. Made payment {$130.00} on XX/XX/XXXX and {$130.00} XX/XX/XXXX for XXXX payment and again for the 3rd time had to call for the same reason and again told this would be corrected. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and this time my account was correct. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and again my account information was correct. At this time I thought my account was finally corrected until I made a payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX here again for the 4th time i had to call to for the same reason to get my account corrected as i am a month ahead on my payments. I asked why this continues to happen and the CSR stated i would need to call to let them know that my payments are for the month ahead. I thought this was ridiculous and a hassle to do. I told the CSR I should not have to call to make sure they do their job correct. She stated that she would add a note to my account that my payments needs to be applied to the next month. So I thought this would fix my issue with my lender. Today XXXX I make a payment for XXXX due date and the IVR stated my due date was XX/XX/XXXX this will be my XXXX time calling to correct my account as this payment is not for XXXX. This will be the 1st partial payment for XXXX. Lender Name is Santander Consumer USA. 

Thank you for your time and help. Very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Fraud report placed on my account. I did not apply for a loan. It was also sold to a 3rd party company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Please stop all communication with me regarding this account. I do not recognize any type of bank account with XXXX XXXX  ; so I urge to remove the account if you reported it to the credit bureaus. Thank you very much!!! I have never done any business with that COMPANY and I never made any contract either!

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 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Chase Bank services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Citi services

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 2020-03-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2018 statement. Kindly Note the page with Adjustment Purchases. XX/XX/2018 Begin temporary credits to begin a fraud investigation I never reported fraud. Note front page Merchants Credits for this period. XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL TOTAL CREDITS APPLIED {$450.00} This includes my payment {$77.00} ** Note how Adjustment Purchases that begin XXXX starting with the first one {$49.00} ( - ) WITH CUTE LITTLE SUBTRATION SIGN. All amounts listed After the $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$320.00} ARE NEVER PART OF TOTAL CREDITS APPLIED THIS PERIOD {$450.00} AT THE BOTTOM USSA LISTS THEM FRAUDING CONSUMERS INTO BELIEVING 2 CREDITS FROM ONE PURCHASE TO REVERSING MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS AND ***LOOKING LIKE THEY TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES XXXX ARE NOT INCLUDED IN THE TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES.?? DECEPTION PLUS USAA.??? CRIMINAL ACTIVITY AT USAA AGAIN.?? Also note the REVERSED CREDITS of {$28.00} XXXX XXXX XXXX XXXX XXXX ARE ALL THE TOTAL CREDITS for that period AND THEY WERE JUST PAID BY MERCHANTS. When were all these reported as fraud? ** Why are there beginning fraud investigations of already paid transactions???? ** Why WAS CREDIT NEVER MADE PERMANET REVERSED STEALING MERCHANTS CREDITS JUST PAID? Note the Reversed credits of {$9.00} & {$26.00} WERE PAID BY MERCHANTS THE MONTH PREVIOUS. KINDLY NOTE USAA CRIMINAL ACTIVITY places temporary credits to begin an investigation NEVER DONE to place WHAT LOOKS ** LOOKS LKE USAA CREDITS BUT WERE NEVER APPLIED they even have minus ( - ) signs MADE TO APPEAR THEY ARE INCLUDED IN THE TOTAL CREDITS FOR THIS PERIOD AT THE BOTTOM OF ALL AMOUNTS OF CREDTS ** BUT ARE NOT INCLUDED IN TOTAL CREDITS APPLIED FOR THIS PERIOD???. There are {$320.00} temp credits *** USAA USES TO PLACE PERMANET NEW CHARGES STEALING MERCHANTS CREDITS. HOW DECEPTIVE?? LOOK AT HOW LISTED CREDITS ABOVE TOTAL LINE ( ADJUSTMENT PURCHASES WITH A MINUS SIGN ) ** ARE NOT TOTALLED AT THE BOTTOM BUT ARE REVERSED?? USAA FABROCATED FRAUD to place WHAT LOOKS LIKE USAA CREDIT TO CONSUMERS SO THEY CAN STEAL MERCHANTS CREDITS. REALLY USAA? USAA ARE CRIMINALS. I STILL HAVE NOT RECIEVED ANY PERMANET USAA CREDITS AND IT IS TWO YEARS LATER. CRIMINALS NEED TO BE PUNISHED. HOW MANY OTHER CONSUMERS HAVE USAA FOOLED?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan from Heartland ECSI qualifies for cancellation as I am a XXXX XXXX XXXX. I submitted and had all my paperwork accepted last year. This year they have denied me THREE times. Each time I call and a representative tells me I am missing some small thing. I am forced to contact my HR, have all the paperwork redone and resigned, have the paperwork sent to me, and remail all the paperwork in. Each time the representative promises me all the steps are complete and each time it is denied. They are running out the clock on my loan grace period now and I will soon have to make payments on a loan I should receive forgiveness for, often when I call they can't access my documents and make me call back and sit on hold for up to an hour so they can again tell me they need something new. At this stage the state that my job description doesn't say " XXXX XXXX XXXX '' because I work in a XXXX XXXX XXXX, and it says " XXXX XXXX population '' so I submitted a letter on letterhead stating I am a XXXX XXXX XXXX and they denied it AGAIN. I can't force my XXXX to rewrite a job description. They are clearly doing all they can to run out the time so I have to start repaying the loan. This is unethical to the extreme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Globe Acceptance, Inc.
State: FL

Complaint narrative:
I'm looking to purchase car an see on my credit report an old lender that was closed 3 years ago is reporting an account twice. Once with the original account an the second under a made up name so the can report twice. The account was closed XX/XX/XXXX with an original balance of XXXX. THey have one account under the correct name Globe Acceptance showing closed XX/XX/XXXX with XXXX balance. Then another Account as Globe Loan Company with XXXX an actively accruing interest since the close date of XX/XX/XXXX. I asked them to remove it an he said I remove the lower balance one. an I stated why are you reporting twice an he said dont worry about that I ll get to it eventually. 
The company Is Globe Acceptance XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Navi FCU services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing USAA services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Reference : Coinbases transfer to a FRAUD SCAM Brokers : XXXX, I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company, The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR!, I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This is a 3rd party collection debt buyer that I have requested verification via notarized letters as to the original contract that I signed with this company for more than two years. 
I searched my name on the SC court system site and found a case listed in my name in XXXX county in South Carolina where I do not live in or have never lived. How is it possible for me to protect myself when I had no knowledge of this situation. My address has remained the same for more than 40 years. 

Portfolio Recovery Associates, Llc NEF ( XXXX XXXX XXXX  ) Order/Change of Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Order/Change of Venue Order XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc NEF ( XXXX XXXX XXXX  ) Motion/Change Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Motion/Change Venue Motion XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Affidavit/Attorney Filing XXXX DMS Image Available IconDMS Image Available Icon Portfolio Recovery Associates , Llc Service/Certificate Of Service Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Summons & Complaint Filing XXXX DMS Image Available IconDMS Image Available Icon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have had a mobile home mortgage with XXXX XXXX for nearly 10 years. I was never late with a payment and always sent more than the minimum due. My principal and interest were nearly the same as you can see from these past few statements enclosed. XXXX of 2020 I made my last payment to XXXX XXXX  as they transferred my account to Select Portfolio Services ( SPS ). I made my first payment early to SPS in XXXX which they received XX/XX/XXXX being 7 days early of the due date. Upon receiving my first actual statement from SPS showing my first payment to them, I was mortified to find they put 80 % of my payment toward the interest, 17 % toward the principal and .26 % for fees and other charges. These last 2 resulted in a 27 day billing cycle from my XXXX payment  to XXXX XXXX  and the XXXX payment received by SPS. I immediately called SPS and questioned this, and several people at SPS kept telling me these figures were correct. Also, no one can tell me what the fees and charges are for or for how many days they used in the billing cycle to calculate these interest charges. Finally, after requesting several times, I was able to talk to management, and they had me send in my statements from XXXX XXXX  and SPS, and it is now under review. My regular payment is XXXX, and I have been sending XXXX XXXX  {$700.00} for many months. I am including some of my last payment statements from XXXX XXXX  and my current statement from SPS. I just made another {$700.00} payment so as not to be late. On my current statement from SPS, the figures I wrote in by the principal and interest is what I believe these figures should be, or at least very close. There is a lot of recordings of my calls to SPS, or so I opted for when making these calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
Monterey financial is claiming I owe a debt to XXXX XXXX. I never received original communication from this company and was not notified I had thirty days to dispute as they are claiming I did. I received a response back from them after I requested debt validation and was told I had thirty days to dispute but again I never received the original notice. I sent a certified letter on XX/XX/2020 and at this time I received some documents. I requested verification a few months ago also. My main complaint is not receiving the original documentation within thirty days to dispute the debt. The company and this collection agency have the same address and work hand and hand so this is bogus and I want it removed from my credit! The original amount of debt they claim was owed is XXXX but the amount now owed is XXXX. The document that was sent does not have my signature. 

Monterey collections XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I am showing a credit on my Paypal credit account in excess of XXXX dollars and PayPal is in possession of my funds and has instituted a 2 week hold on my usable funds for no valid reason. This is illegal.

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