vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
On XX/XX/2019, a hard pull appeared on my credit report without my consent or any warning. I went into XXXX XXXX 's at the XXXX XXXX mall in XXXX, Wisconsin. I was looking at rings with my girlfriend. The associate knew we did not intend to buy that day but insisted that I make an account with them. I decided to go ahead and do so. They asked me for various personal information, however, they did not ask me or warn me about doing a hard pull on my credit. I did not apply for a store credit card or any financing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Paypal gave via the attached email a Notice of Levy on XX/XX/2018 from XXXX XXXX with the Internal Revenue Service. On the notice was the phone number XXXX. After calling the number I found that it was a promotional line and a scam I have requested by registered mail that PayPal 's legal department to send me a copy of the Notice of Levy, ( which is not a levy ) and they have failed to do the same. Besides a Notice of Levy not being a lawful levy,. this is a scam in which Paypal has refused to communicate about it nor will they send the paper work that justified the said levy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello after looking at my credit report Im seeing inaccuracies, If Im mistaken please provide proof that I was indeed late, if no proof is provided I ask you remove the account from my report. ( XXXX XXXX ) is watching!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal is keeping me from retrieving my own money, despite over 25+ contact attempts to resolve the problem with them over the past several years. PayPal refuses to release my money unless I supply them with SSN, ITIN or tax information, despite explaining to them too many times that I'm not a US citizen, and I do not hold a SSN or have tax information. 

I have more than enough reasons to believe that PayPal is deliberately and fraudulently holding my money. My last several complaints were completely ignored. My account have been sitting in " Were reviewing your documents '' status for many months. Whenever they answer my tickets, I usually get responses that address problems that don't exist, as if it was a random auto-reply. 

I already supplied PayPal, based on their request, with too many proofs already, including my country citizenship ID, my passport, my US visit VISA, my phone bill, US Tax exemption form, and many more. Some of the documents were sent to them multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was a victim of fraud/theft and they stole {$2000.00} from my debit card, some transactions utilized my Pin and some didnt. I reported the fraud to my Chase Bank branch in person the very next day. Chase refuses to return the funds. I have been waiting for over 20 days and nothing. I am now in the negative on my account by {$740.00}. I have never been treated with less care at a financial institution ; ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Applied for the Chase Sapphire credit card, did not receive the card for a while report never recieved card. Once received the card call the number to confirm received and activated the credit card. However, Chase did not consider that being the promotion start date. As soon as you applied regardless the customer received the card or not is considered the promotion start date. Without notice filed that you are not qualified for the promotion. Misleading promotion, falsify make customer apply the credit card and then charge you annual fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I opened two CD accounts with this bank. I funded both CD accounts on same day.This bank was not sending me my details of accounts by mail.I called their customer service, spoke to MR.XXXX  & MR. XXXX. They were rude in behavior. Customer service of this bank was very bad.I was holding more than 15 mins before some body comes on phone. They do not have any respect for customer time.

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 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: LendUp Loans LLC
State: TN

Complaint narrative:
Complaining in Accordance with The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977. Due to the following reasons.

1 ) Failure to merandize upon contact with Operator in an attempt to settle a debt.

2 ) Operator refused to let me speak to someone of higher authority to help with the situation.

3 ) Failure of Settlement with account being closed and reported to IRS for tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I was alerted that someone attempted to open an bank account in my name in XXXX XXXX, TX but I reside in XXXX, OK. I did not attempt to any new account. 

I immediately place fraud alert and Freeze on Equifax, XXXX and XXXX. No one is to view my report and I have not submitted for any credit or new accounts since XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I received an alert that someone attempted to use my name or applied for an account with XXXX, I did not authorize such transaction and this was not me. I immediately submitted a dispute to Equifax on XX/XX/XXXX stating this was fraudulent inquiry. They have stated that this is accurate and will not remove the inquiry from XX/XX/XXXX. This is not accurate, I did not submit or authorize my file to be reviewed as it is frozen and fraud alert has been placed on my file. 

I request removal of XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
My now ex-wife took out multiple credit cards in my name without my consent, and went as far as to forge my signature. I am also dealing with her illegally loaning against my life insurance policy. This is one of many credit cards that she took out in my name without my knowledge, and I am only finding out about it 3 years after she took out the card and it has gone to collections. I have spoken with the collection company and they are not willing to dispute the issue, nor are they willing to provide me with any credit card statements in writing. They did provide me with a few brief charges with this card such as small monetary increments to XXXX XXXX, XXXX etc totaling in the amount of {$760.00}. I am trying to get my credit back in good standing and trying to resolve old issues without filing for bankruptcy, and this is an outstanding debt that I did not agree upon nor have any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
I bank with XXXX XXXX who now uses XXXX. I recently received an email from XXXX XXXX directly advising my " mobile number is inactive and has ben removed because it has been disconnected '', so they were removing it form my account for me. My phone number has not changed, nor has it been disconnected. I called XXXX XXXX who informed me this was a XXXX issue, not theirs. So I get transferred to XXXX who plays the blame game and says I need to speak with XXXX XXXX. After explaining over and over to the woman that this is not a XXXX XXXX issue, she suddenly asks if I changed cell phone providers. Although she already told me this was not " their fault '' I explained that I did switch providers, but my number did not change. She then admitted that if you change providers you will be " kicked off : '' XXXX. What do you know, I was kicked off XXXX, not registered, they removed me. My phone number has not changed, I have the same number. My husband and I pay bills from MY account, so he transfers me money on a monthly basis, every single month. When we register with XXXX as a " new user '' you are only allowed to send {$500.00} because you're a " new user ''. My issue is that I AM NOT a new user. I have now registered three separate times with XXXX and this last time is solely because of their error and negligence with my account. My husband now CAN NOT send me funds we have for our bills. XXXX has no business removing my phone number from my account or touching my account in the first place. Or the fact that they can clearly see I am not a first time user, but refuse to make any sort of " allowance '' to fix their {$500.00} first time user non-sense. I am literally being told what I can and can not do with MY MONEY all because of an error XXXX made. An error they will not own up to, fix, or make right with me. This is thoroughly unacceptable and I am beyond dissatisfied with BOTH XXXX XXXX and XXXX. the blame game. typical. no one can help, no one can fix anything, nothing. they literally did nothing for me. so I once again registered, took the {$500.00} since XXXX tells you how much you can and can not send to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened the Chase/XXXX XXXX Rewards credit card. At the time I was verbally told that the offer was XXXX rapid reward points and a companion pass after spending $ XXXX in the first three months. I followed a link provided to open the credit card. Now they are saying that the offer was over at the time and they have given me a much less valuable sign-up promotion that doesn't include the companion pass. The companion pass was the entire reason we signed-up and the reason the card was promoted to me. They have informed me that the offer was from Jan 10-Feb 11 and that my cc shows approval on the XXXX XXXX. The supervisor I spoke to said that they specifically don't send out offer details to confirm your offer when you sign up ( thus denying me evidence ) but also that they can't fix it without this evidence. I feel that their offer and subsequent actions are fraudulent and constitute deceptive practices. When I spoke to XXXX, they acknowledged that it doesn't seem right but stated that Chase is the one who has to authorize the deals so the error was definitely on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST
State: SC

Complaint narrative:
I was behind in our property taxes because of personal/medical issues ; as a consequence we put our house on the market to be sold. In the mean time my mortgage company ( Bank of the West ) paid off the property taxes due and sent me notice that my mortgage payment was going to be more than twice the current amount, this is more than my monthly take home pay. I have reached out to Bank of the West numerous time to try and modify the amount due to avoid potential foreclosure, while trying to sell the house. The representatives I spoke with have not provided any help, including any kind of forbearance or temporary loan modification, in fact they told me if I do not pay what I owe immediately, foreclosure would commence. I would appreciate assistance in helping resolve this issue, as Bank of the West seems intent to force me into a foreclosure situation.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I received a gift card from my place of employment in XX/XX/XXXX as a reward for " job well done ''. I placed the card in my wallet and never used it. I was reminded of the card when I received another gift card from my employer in XX/XX/XXXX so when registering this new card I checked the registration of the card that I received last year only to find that the full value of the card had been exhausted. I contacted the gift card company ( XX/XX/XXXX) to find out why my card now had no value. They provided me a list of charges that were made against the card, charges that I never made. When informing them that I not only didn't make the charges they listed, I made no charges at all against the card. The card never exited my wallet. They informed me that there is nothing they could do and would not refund my balance. When I persisted with the fact that I made no charges against the card I was rudely hung-up on. I called back and spoke to a supervisor who also reiterated that not only does he did not intend to reimburse me for the fraudulent charges but will not look into how this could have happened on their end and also refused to provide me with any information to pursue this problem further myself. The next day I called one of the businesses that charged against my card and they wouldn't help me or provide me with a refund for their products that I never purchased because the charges were made beyond their 60-day policy. They did provide me with the persons name and email address that made the charges with my card. This person is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX. Anything that you can do to help me to recover the large amount of money that was stolen from me would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I just realized that I had this debt on my credit file, never receive any kind of letter trying to collect or dispute the debt called the company and there were unable to offer me enough information in order to verify the debt, still got into an agreement to pay it, they told me it would be removed withing 15 days of my credit report, and my credit report still showing the collection charge.

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 2019-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I received a payday loan from Advance America in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX, SC XXXX. I assumed my loan had been paid off. I have received calls periodically over the past XXXX years from some type of third party agency stating I still have an outstanding debt to pay back. They last contacted me on Thursday XX/XX/XXXX. They first called my mobile phone and left a voice message and turned around and contacted my administrator before even allowing me to call them back which I DO NOT appreciate. I have NEVER received anything in writing from them, and when I ask for a certified letter of what I owe I'm always told they have tried to contact me by phone several times. They go on to tell me I owe {$240.00} and will turn around and say I owe {$840.00} in interest. When I try to contact the local branch of Advance America where I received the loan from, they tell me they can't help me and refer me back to that same agency that I don't even know the name of. They only reference their name, my case file #, and that they are going to take legal action. Again, this has gone on for over XXXX years now and I have yet to see any type of legal action take place. I will pay back what I owe IF I owe something but they will need to send me something in writing first. I'm complaining about Advance America because of the confusion and because of the third party collection agency they use. I don't need to be threatened by anyone of legal action. And I don't want calls being made to my place of employment! They are VERY rude and won't let the consumer talk. They talk over you and get louder when you're trying to get your point across.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX I paid XXXX XXXX XXXX {$7200.00} as payment for work on my home, in XXXX I had paid them {$13000.00} as a deposit. Since that time I have found numerous deficencies in the work 2.5 bathrroms tile and not been sealed and caulk was cracking and falling out, new floors had paint on them, paint was not completed or poor quality, paint dumped in side yard. They installed a new tub that was cracked in two places any many others.They have been here 4 times to fix problems but have not fixed any of them. They have no interest in making it right because they have been paid in full. In XXXX I filed a dispute with my credit card Chase. A month later I called to see what the status was ... they had closed the dispute, without contacting me for any further info. I have 62 emails and photos between myself and XXXX XXXX detailing the issues, in one he agrees all these items need to be repaired. On XX/XX/XXXX I again attempted to file a dispute and called them to ask what info they needed. They said at this time they did not want the correspondence or photos, I mailed them anyway.. On XX/XX/XXXX, they sent a letter saying they would contact me if they needed anything else. On XX/XX/XXXX, I again called Chase claim ID XXXX and was told the merchant had not replied and after 2 billing cycles without an answer from XXXX XXXX we would receive a credit, They did not contact me. On XXXX XXXX, I called Chase and was told the dispute had been closed. I was advised that they needed more info from me. I have had no phone calls and one letter letting me know they had received my dispute and would be contacted if they needed more info. They have not contacted me in writing or telephone and both times closed the dispute without asking for any further info.My husband and I both have cell phones and a landline with voicemail.If any documentation is required I will send 62 emails between XXXX and Myself. I have now lost the 60 day window to dispute the initial XXXX with my bank ( XXXX XXXX XXXX paid as a deposit to XXXX XXXX, because Chase has not made any attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
OnmyXXXXXXXX,XXXXstatement,Ihad{$0.00}purchasebalancesubjecttointerest.Therefore,chargesmadebeforemyXXXXXXXX,XXXXstatementshouldhavefallenundertheinterestgraceperiod.InXXXX.Icharged{$89.00}.Yet,myXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.ThisisincorrectsinceIhadaminimumpaymentof{$83.00}andmadeapaymentof{$200.00},thereshouldhavebeen{$0.00}subjecttointerest.

Accordingto12CFR226.53,anyamountpaidovertheminimumisappliedtothehighestratebalance.InXXXXmy{$200.00}paymentshouldhavebeenappliedasfollows:{$83.00}XXXXminimumpayment)tothe0%balancetransferpromotion,{$89.00}topurchasesresultingin{$0.00}purchasebalance,andtheadditional{$27.00}tothe0%balancetransferpromotion.

MyXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$10.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$420.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXX.XXXX,XXXXstatementshows{$1300.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

EverymonthsinceXXXX.Ihavemadepaymentsinexcessoftheminimumpaymentpluspurchasesforthatmonth.Asaresult,Ishouldhavehad{$0.00}subjecttothepurchasesinteresteachmonth.

MyXXXXXXXX,XXXXstatementshowspurchasesweremadeandthepaymentandgraceperiodwereappliedcorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
My complaint was directly with the credit bureaus who have my address and should have confirmed that the bill in question has a different address than mine, but across the street. 
My previous address was XXXX XXXX XXXX, XXXX. IL XXXX and the bill was addressed to XXXX XXXX XXXX, XXXX, IL XXXX. I want this bill resolved and removed from my credit file. 
The bill is a whopping {$2700.00}!

Company response to consumer: Closed with explanation