vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC

Complaint narrative:
XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I opened a account with PayPal I received prepaid PayPal Mastercard I called activated it on XX/XX/19 I asked PayPal how to put money on the card so I could use it to send money to friend, onXX/XX/19 I put XXXX $ on the PayPal card came home sent XXXX $ dollars to XXXX XXXX another PayPal user ok that left {$200.00} on XX/XX/19 try to pay for gas so I could go grandchildren house the card was declined so I called PayPal to see wha was wrong well I was told the put ahold on car til I send them Calif I'd I explained to them I didnt have any identification my purse had been stolen but I will go Monday to get one with my address on it, so idid I sent the receipts that that I had done it but since had no picture on it, it would still have a hold yes I got very upset cause when I applied for the prepaid I should of been ask then and I couldnt understand the man that I spoke to couldnt get help so I decided to wait for picture I'd to come well I call back and ask if I could do anything to get my money back he told no cause was suspicious transaction been done on the account only transaction that was done was the deposit and I sent money out but the man told me I could have money sent to me I would be able to access it and use it, ok I had XXXX XXXX send the loan of XXXX $ back to card well I waited then called finally I was told my card was froze and PayPal doesnt want to be PayPal customer due to the transaction that had been done with card. I said fine how do I get my money back they said I would have to 160 days for it after investigation yes I got angry 160 days they able to keep my money when I only have very lil money to live on each money I'm on a fix income I received SSA XXXX I have no money but that I asked why would you guys let me put more money n the card if you guys already closed the card on the XX/XX/19 she told I was lucky they let me do it but I cant any money maybe 180 days if they decide to I couldnt believe it so I started looking around on internet and I found site where it explain how get my money back it shows so many people getting this done to can you please help me I keep losing this complaint when I try added my pictures of my acct transaction to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account balances are out of date and incorrect. This impacts correct information providing input to lenders and the critical calculation of debt to income scores. That alone can pose a negative adverse action of unfavorable rates and terms upon both me and my spouse. The sad fact is these companies are allowed under current law to continue this facade without fear of any retribution for providing that incorrect reporting. By their own admission they are months behind and banks have no law that forces correct and prompt updating of positives, although significantly negatives are posted immediately and errors take months to correct. Sadly by opinion of experience when you deliberately and knowing present false or inaccurate information for consideration under the guise it is correct you have committed fraud. They who allegedly supervise, regulate or define themselves as protective agencies are by nature of non action complicit and accomplices to that deception. Certainly consumers are not allowed under fear of penalty why should these lenders, banks and reporting agencies given a pass given all are ethical, honorable organizations? The facts are even after correcting known errors their reporting is still inaccurate and by fact of system design will ALWAYS BE SO. Hence our FICA and CREDIT scores are lower due to invalid debt to income calculation. Outcome- adverse results from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Checkr, Inc
State: NV

Complaint narrative:
CHECKR IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT WHICH STATES Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ATTACHED IS A COPY OF THE FAIR CREDIT REPORTING ACT. NEVADA REVISED STATUTE 598C.150 states : NRS598C.150Purging of information from files of reporting agency ; disclosure of purged information.A reporting agency shall periodically purge from its files and after purging shall not disclose : 1.Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjudication precede the report by more than 10 years. 2.Except as otherwise provided by a specific statute, including, without limitation, NRS 463.334 , any other civil judgment, a report of criminal proceedings, or other adverse information, excluding a record of a conviction of a crime, which precedes the report by more than 7 years.

CHECKR has previously conducted background screenings for other employers and has submitted CLEARED results that didn't suggest careful consideration be taken. ATTACHED ARE ALL DOCUMENTS SUPPORTING MY CLAIM/DEMAND THAT CHECKR REMOVE THE NEGATIVE ITEM FROM 2004 AND SUBMIT THE SAME INFORMATION TO XXXX AS THEY DID TO XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello, my name is XXXX XXXX. Early in the month of XXXX my identity was whats the Stolen. My account is simple, whats taking over in the perpetrator who is unknow .Cleaned out my account. I was working with simple to recover some of my funds through visa zero liability policy. I sent them all the legal documents I could advocating for myself. My first claim was closed and the second claim when I reasserted the claim. That is not my primary purpose of writing to you. I had another problem with their service on the XXXX of XXXX I was informed through in writing communication that my account was open to receive my pre-scheduled direct deposit for the incoming transfer scheduled to be posted on the 1st. Upon opening my account with them I agreed to their disclosure where it was stated that it is their duty to correct electronic transfers and compensate for any damages that their error has caused. One representative XXXX I spoke to said the department would reach out to me in the future. Unfortunately I know longer have that message from XXXX in our logs on there site but i will attach proof of conversation as well as evidence that leads to curoberate that the bank intenually made them not available for a unknown reason. To conclude due to simple negligent misrepresentation I went 17 days before being able to access those funds. In the midst of all that I was past due on my rent and electric due to simple banks ruling against me. I would like to note I made a report with FTC for my identity in regards to my identity being stolen, fbi and contacted one of the merchants and their response in our communication was that they would work with my bank to refund me. I will attach all the documents in regards to the dispute at a later time, if necessary but simple should have them. Due to my finically hardship I went hungry, not just me my cat who is my therapeutic aid. And I had to take out a loan from a friend to paympay off my rent and electric.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I created an account with XXXX XXXX to purchase a car. I got pre-approved, took my approval letter to a dealer XXXX XXXX to purchase a car. They said they had to verify the content and would see if I can get a better rate than what I was quoted. Without my knowledge or consent, they shopped around my information to multiple sources resulting in multiple inquires. I called them and they said that I approved that but I told them it was never made clear to me that they would run my credit multiple times resulting in 4 hard inquiries and that I would never agree to that if I knew what they had planned to do. I didnt know this occurred until I just got a copy of my credit report.

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 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank accidentally closed my Costco credit card account. Citibank thought I did not have an active Costco account, but I did have an active account. Without checking that I did have an active account, Citibank just closed my credit card account. I immediately called them and they confirmed that they accidentally closed the account without checking to see if I had a Costco account. They agreed to reopen the credit card account, but only after pulling my credit report. I asked them if they could reopen the account without pulling a credit report again because I did not want a ding on my credit, and they said they had to pull it again even though the account was closed because of their mistake.

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grandeagle Financial, LLC
State: NC

Complaint narrative:
The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are 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
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has failed to protect me. I filed a dispute on XX/XX/XXXX, the chargeback was initiated on XX/XX/XXXX ( 6 days later! ) and to date, no resolution! My family traveled to XXXX Florida on XX/XX/XXXX. We booked on XXXX  based off the advertised information and price. Upon arrival from our 7 hour trip, we pull up and enter a home that was totally different from that which was advertised. I scrambled to find us additional accommodations, on such short notice, and filed a claim against the merchant the very same day-XX/XX/XXXX. There have been nothing but lies and deception from the investigative unit since I filed this claim. Read the notes! The customer service level is VERY low, the reps are quick to be sarcastic with you while providing either the incorrect information or dishonest inforMation- depending on the way you look at it. I called on Tuesday of this week, XX/XX/XXXX, because it has been 45 days since the claim was filed with the merchant. Bank of America claims the merchant has not responded. The merchant said they did. I have been the ONLY ONE to send in information from my own investigation while the reps at BOA twiddle their thumbs. This case has LITERALLY not changed status! When I speak with the reps and even their managers, always met with the same level of frustration from them that I am already experiencing with this ordeal. I literally just moved over my business accounts but this low level of service is about to make me move them right on back to where they were! This is ridiculous! I went in a branch today and even SHE was hung up on twice-n not counting the number of times I've been hung up on! Where is this high service level that BOA spends millions advertising?? Where are your employees? Why is no one accountable but quick to quote policy to me? Who is running this department? I think I spoke with her once but there was no continuity. As you can see, the claim is still in the same status it was when filed on XX/XX/XXXX! RIDICULOUS! I HAVE BEEN THE ONLY PERSON INVESTIGATING THIS CLAIM! The service level given to this claim in particular is bogus, sub-par, and should be extremely EMBARRASSING to BOA!

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 2019-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke to XXXX XXXX XXXX XXXX and they confirmed that they would be removing these incorrect late fees ( XX/XX/2017 - XX/XX/2017 ). They said for me to dispute the payments with the credit agencies and when the agencies contacted them, they would confirm they could be deleted. I have disputed with the late fees withe agencies, however the agencies reported them as valid. They are not completely investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had inquired about a camper from XXXXXXXX XXXX  of XXXX. I gave them permission to pull my credit. I was unaware and did NOT authorize them to send out credit pulls to the follow banks ; XXXX XXXX  XXXX on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX XXXX XXXX onXX/XX/19, XXXXXXXX XXXX  on XX/XX/2019, XXXX XXXX onXX/XX/2019, XXXX on XX/XX/2019, and XXXX XXXX XXXX on XX/XX/2019. I now have all of these hard pulls against my credit that I did not authorize!

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 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a deposit of {$1300.00} only {$200.00} was applied to the account, I called customer service about the {$1100.00} they told me the check clearing house was holding my funds until XX/XX/2019. When I checked the account the funds were dream from the funds had been released, I called BOA customer service they told me there was nothing they could do. Meanwhile three checks bounced fees were applied to those checks I called BOA customer service today the funds were there however the bank has consumed all my money with fees To resolved O would like for the bank to reverse the fees, apply to my account. Thus has caused a hardship, I am behind on my bills, can not do any transactions because their check clearing company hold funds for nine day while checks are declined and fees accumulate to benefit the bank

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The original amount for this debt is {$1400.00}. I have made 8 payments on the amount of {$29.00}. Just today I received a letter from the company that I owe them {$1200.00} when I owe them {$1100.00}. Also someone XXXX XXXX called me and he was saying on the phone that he represents someone else who is a lawyer and that I need to settle this account as soon as possible. I have been making payments every month and those people are threatening me in order to make the payments faster and to pay off the debt faster using tactics that are 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
Consumer complaint received 2019-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The account in question is regarding a vehicle leased in XX/XX/XXXX. I traded this vehicle in on XX/XX/XXXX. I told the dealership the payoff amount and the date at which this payoff expired. I called Chrysler Capital several times in XX/XX/XXXX to confirm they had received the pay off for the account. I was told the amount was received on XX/XX/XXXX and that the funds were being processed. I was also told I no longer needed to worry about the account and no further payments would be required. On XX/XX/XXXX, Chrysler Capital reported my account 30 days past due. After logging in to my online account, I can see that the {$47000.00} payment was marked effective XX/XX/XXXX. I do not believe this account is past due, or was ever past due, and the fact that the payment was marked effective XX/XX/XXXX proves this. My personal credit has gone down over 40 points due to this, and my business line of credit has been reduced due to incorrect information reported on my credit report. When I contacted Chrysler Capital they advised me there was nothing they could do, and that it was my fault the account is delinquent even though their own transaction history says otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
In 2013 I had medical insurance and had met my 100 % out of pocket. My daughter XXXX required major XXXX XXXX. All of the procedures had been accepted by my insurance as covered. When the oral surgeons office billed, they left off a billing code for a bite wing analysis, a very important part of the needed procedure, because of this my insurance was unable to pay the bill, I as well as the insurance company tried countless times to get the needed code, we were told there was no specific code, a blatant oversight on there part as we had a code prior to the billing before the XXXX. For the first few years I heard nothing on the bill and assumed they had written it off for there error, they had not, and had put it on my daughters credit report as unpaid, she was XXXX at the time of XXXX and not legally responsible for the charges, when this was pointed out to them, they then started billing me and put it on my credit, I have and will refuse to pay this bill, it originated in XX/XX/XXXX2013 when the XXXX was preformed. If you can not correct this, how long before it drops off?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
On XX/XX/19 around XXXX XXXX Pacific time, a lady called my place of work and asked for me by my full name, which is unusual in my line of worker. So my coworker asked where she was calling from and she hesitated but before saying Audit and Adjustment Company. My coworker put her on hold to let me know and we both were confused. Before I could pick up the call, the woman had hung up. I told my coworker I have no clue who that was or what that company is. My coworker decided to XXXX it and discovered it was a debt collector. This was an extreme embarrassment for me and now that info is already spreading amongst my office whispering about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I filed a complaint with Chase Credit cards for an online transaction I never received from the XXXX XXXX ( ordered around XXXX XX/XX/XXXX ). I filed an additional complaint with Consumer Financial Protection Bureau ( XXXX ) on 3/XX/XX/XXXX after it was not resolved. 

Chase contacted me and I explained that I never received any item from the company, they said they would contact me within 48 hours with a response to my complaint. They never contacted me again and now I am being charged interest and late fees on an item I never received. Interest charged XX/XX/XXXX for {$1.00} and a late fee of {$25.00} on XX/XX/XXXX. 

I want these charges reversed because I never received anything from XXXX XXXX and late fees and interest fees dropped too. Under Federal law I have the right to dispute any amount over {$50.00} and they have an obligation to fairly resolve it. 

XXXX XXXX no longer has a working website and has been reported by other users to be fraudulent, but Chase has still failed to take action and is now charging me additional late fees and interest. 

A dispute was also filed with the XX/XX/XXXX and XXXX XXXX never responded back to my complaint.

Company response to consumer: Closed with monetary relief