vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I am writing in regards to my son 's account, XXXX,, Account # XXXX. I am disputing this past due balance associated with XXXX for the amount of {$190.00}. I contacted the original creditor and they are unable to verify if they sent me an invoice for the amount due prior to sending this account to collections. In addition, they are unable to verify if the insurance was billed for said charges. I need the account turned back to the original creditor so they can bill my insurance correctly. We have a primary insurance & a secondary insurance - I should not owe anything since the secondary insurance covers 100 % of the billed charges. The original creditor can not validate if the insurance was ever even billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I applied for XXXX Visa credit card, which was offered by chase to me as an offer from on-line banking. 
Several days later I received denial letter, from Chase indicating the reason for the denial as my having too many credit cards. 
Please note : I have exceptional credit score ( XXXX ). There are no delinquencies on my credit report and no past amount due on any of the credit cards I own alone or with my husband together. 
I have applied for other credit card right after I received a denial letter from Chase and was immediately approved. I have a XXXX figure Money Market account with chase and other active Chase credit cards and believe the denial for XXXX VISA is subjective and not based on my credit score and history, as it should be, therefore, it 's unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The XXXX loans reporting on the XXXX credit bureaus are NOT mine. I have been disputing them even when they were reporting positive. I officially started the dispute process in XX/XX/2013 and have been unable to get them removed nor has anyone sent me proof they belong to me containing my signature. They are refusing to remove and/or show me how they determined they belong to me. The only thing that has happened is a statement on my report saying I dispute the account. It has been at least four years I have been adamant that these loans do n't belong to me. As I stated I was even disputing them when they were positive now they are charged off however they are not my accounts. Also on the credit report the loan is reported by the same loan number but different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a credit change alert on my credit file. I called Transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX. I never did business with this company nor have they contacted me nor sent any correspondence indicating that I owe any balances. This is FRAUD and XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I called to verify a debt that the debt collector can not validate. The attendant agreed with my findings and transferred me to the Operations Manager XXXX XXXX. XXXX did not even say hello, she immediately started yelling at me and threatening to update my account in requests that I did not make. When I asked her why she was being so rude and abusive she simply continued with the abuse. I asked to speak with her supervisor and she said he does not take calls and is never available to speak to. 

She said the call was recorded, so it would be very easy to hear the language and abuse that she treated me with.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I recently submitted a dispute on my credit card for a car rental. I had taken a rental car but after driving for 2 days, I wanted to add my husband as an additional driver. I called the company and they told me to do that I had to go back to the office and add him. We did that and then asked if we could add the toll pass for one day also and were told yes. My estimated charges reflected the changes yet after we turned in the car I was emailed a receipt that charged me from day one of the rental for the changes I made day XXXX. I called and they wouldnt fix it so I disputed the amount of the extra charge. My credit card company, Chase called me while I was on vacation so I attempted to call the lady back but she would n't return my calls over the next four hours so I called back in and asked for customer service and they said the call was to ask additional information. I was afraid they were calling because I was traveling and using the charge card. Later the next week I finally heard from the lady and she asked a few questions about the receipts I sent in. She said she was having a computer issue and could n't see the receipts but would let me know if there was a problem. She also said they had already just sent out a letter asking for information but since we talked do n't worry about it. I let it go for a while then got another letter so I called her again. For two days I did n't get a return call so I called and asked for a supervisor. I was told the dispute was closed as I did n't follow up. I told her that was inaccurate and that I wanted it reopened. I was told I had to fax in a letter which I did but have not heard anything further. I was so angry that they denied this claim as it was blatant misuse of my credit card and this was the second time they have done it. I had another dispute a couple of years ago that the provisions in the credit card should have covered me for as it promised protections for purchases on the internet and it did n't cover it like it should have then either and that XXXX cost me over {$400.00}. I am not sure of who is overseeing the credit card companies card protections but if they promise to protect why are they not made to be responsible for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My loan payment was {$98.00} a month until it was transferred to NelNet, where it increased to $ XXXX. Over the past 6 months I have been trying to get it my payment back to the original and finally worked something out about a month and a half ago after being told to call various people, complete various forms, etc. Today when I went to go pay my loan the payment is {$130.00}. I asked for them to listen to the recording of my last phone call and apparently they are unable to do so. I just want my payment to go back to {$98.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This CC is about 8 to 10 years old. I did a dept consolidation last year to clear all my dept and this was not part of my dept, i knew nothing of this dept. In a process of getting a mortgage loan it showed up on my credit as collection. I have a problem with it being on my credit and i am willing to negotiate and come to an agreement to pay it off. Even though i never received any notice from Midland Funding LLC for the past 8 years. 
After several attempts to negotiate on a amount to pay it off, they keep refusing. i am getting frustrated because its on my credit and also affection my ability to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I went to XXXX to open a checking account on XX/XX/2017. the gentleman I spoke with ask for my ID and Social Security number. He submitted my info into his computer in which he received some info from ChexSystems. At that time he told me that he could not open a checking account for me due to negative information on the report. I contacted ChexSystems and a few days later they sent me a report. A company by the name of XXXX XXXX had submitted XXXX different negative feedback 's on this report from XXXX different company 's in which I have never heard of. Also on the report was a company call XXXX, representing XXXX XXXX XXXX, XXXX XXXX, representing XXXX XXXX XXXX, XXXX,. I have never ever heard of these company 's. A telephone number was not listed for any of the company ', and also the last XXXX of my SS number was listed.I have no idea who this company ChexSystems is or what their business consist of, but it looks to me that they have too much information on me, and the info is completely false. No wonders Identity Thief is such a huge problem in this Country with Company 's like this in business!!!! These people have complete control of the Consumer in this Country.I am XXXX years old and a XXXX Veteran, and It is a disgrace when a you ca n't even open a checking account in a bank in this Country because of people like ChexSystems!!!!

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of A.

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 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!

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 2017-04-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.

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