vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I contacted Pinnacle to resolve a past due debt. The original debt is from a XXXX bill of {$500.00} from XX/XX/XXXX. I tried to arrange a pay for delete but Pinnacle informed me they do not offer a pay for delete option. They are reporting that the debt is from XX/XX/XXXX. The woman on the phone indicated this is when Pinnacle purchased the debt, not when it was originally first delinquent. This debt has been re-aged and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MD

Complaint narrative:
Direct Recovery Services LLC. I have received multiple calls from different numbers from this company. The same company recently contacted an acquaintance of mine and left a voicemail stating they were escalating the issue pertaining to a debt owed. When I attempted to call the numbers the associates on the other line were extremely rude and cursed and became irate when I would not confirm my identity. The associates would scold me and say I am not the one in control and refused to give me a mailing address to send a cease and desist letter. I also expressed they were not to call my number again. Each time I requested a physical mailing address they would hangup on me. They are attempting to collect a debt that they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Collection agency Credit Collection Services collecting on a fraud Debt that does not Belong to me for {$100.00} File number XXXX and i request a cease and desist collections on this disputed fraud amount that does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back inXX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust experian credit reporting company to comply and follow what XXXX XXXX  is telling them to do. I have had major problems with experian in fixing my credit report to show correctly.

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a cash advance with Citibank in the amount of {$2000.00}. The interest fee was 5 % of that cash advance. I made a cash advance on XX/XX/XXXX in the amount of {$1000.00} and another {$1000.00} on XX/XX/XXXX. A {$100.00} interest fee was assessed.

I have a low balance on this card with 0 % interest on purchases until XX/XX/XXXX. I made a payment of {$2100.00} on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I saw another pending transaction for {$100.00} notating that it was a cash advance fee. I had already paid {$2200.00} so it looks like they were charging me again.

When I called to speak to a representative, they told me the pending charge was to apply a credit towards the {$100.00} because I had paid in full the cash advance along with {$100.00} fee. It didn't make sense at the time and I logged into my account everyday since XX/XX/XXXX, to see the pending {$100.00} charge date move to a future date.

I logged into my account on XX/XX/XXXX, and see that they are trying to charge me {$100.00} for cash advance when I already paid {$2200.00}. No one at Citibank can explain why I'm still being charged. If I pay the {$100.00} that will account for my total fees for this {$2000.00} cash advance to be {$300.00}.

It doesn't make any sense since I paid in full the cash advance plus {$100.00} fee on XX/XX/XXXX which is 5 days after making the cash advance.

Citibank is trying to charge me {$300.00} in fees for a {$2000.00} cash advance that I paid off in full within 5 days.

I have my chat correspondence with a representative from Citibank who can't give me a legitimate answer so I'm filing a complaint about this.

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 2018-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX  last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back in XX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX  PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust XXXX credit reporting company to comply and follow what XXXX XXXX is telling them to do. I have had major problems with XXXX  in fixing my credit report to show correctly.

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 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX myacct was broken in to by a remote hacker and with draws from XXXX XXXX to Coinbase then transferred to another out side us company with out my athurization Then both XXXX XXXX and Coinbase have made me feel I didnt protect my accounts or phone and said to bad I want my money back and I want someone to help instead of blaming me or saying there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Today I received a call from Transworld, a company that collects debt for XXXX XXXX XXXX. I received that call at XXXX XXXX. Transworld admitted they pursue debts for XXXX and XXXX XXXX XXXX. They stated they could not take me to court but expected me to pay the debt. I told them the debt was discharged in bankruptcy court and was 13 years old. He continued to dispute the debt with me and I continued to say it was discharged in bankruptcy court. Transworld admitted they did not own the debt but were pursing it for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS

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 2018-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX has been allocating purchases as cash advances and improperly charging cash advance interest and fees towards the purchases as if they were cash advances. This has taken  place for the last 10 years and only recently did I notice the issue on my statements. I contacted XXXX XXXX and obtained statements dating back 5 years which show the purchases being charged as cash advances. In addition to paying cash advance interest and fees, XXXX XXXX has also been reporting the inflated balance on my credit reports negatively impacting my ability to obtain credit and loans. I have consulted with an attorney and will also be taking legal action against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I have a loan with Lendmark Financial Services. For at least a year I have been asking for a monthly statement that shows current balance. Each time I am told the " process '' is under construction. 
I also expressed on serveal occasions my balance goes up and not down. 
They crafted some form of a statement that was very confusing. 



Is is not required to get a statement with due date, payment due, and current balance??? 
Are they not required to show current apr?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I noticed a few items on my credit report that were unfamiliar. I challenged the bureaus and disputed some of the items with the creditors. One creditor in particular, Diversified Consultant, has inserted, removed and reinserted several accounts on my report in an attempt to collect a debt that does not belong to me. I observed on one of the letters, that my name was inserted on a bill dated from XX/XX/XXXX - XX/XX/XXXX. This was the first discrepancy that caught my eye. I've been requesting validation from this company for two months and they finally responded with a forged document ( bill ) dated a month prior. How is this possible that I'm fighting a collection company on a bill or debt that's not even 30 days old? 

Then they sent a letter shortly afterwards saying that the account with their office would be closed. 
I checked my report again and lo and behold, Diversified Consultants, again reporting this debt on my report. Only this time, they changed the account number. and sent a similar bill with my info photoshopped again.I 've disputed this account with the credit bureaus, to no avail. I'm not sure how this is even legal, but I decided to complain here as another option before I consult with an attorney. Also, now they are reporting the debt as XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The creditor closed the account in XX/XX/XXXX for {$85.00} balance. They are still billing me the monthly payments and late fees since. Due now XXXX.. I opened up an account with XXXX, XXXX XXXX in XX/XX/XXXX to help rebuild my credit. I had a check that didn't clear in XX/XX/XXXX, and returned twice from my bank, in which XXXX XXXX closed my account. Balance then was {$85.00}. As of XX/XX/XXXX, I was charged an additional {$44.00} plus late fees, for not making the monthly payment. XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment, XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment. I'm being charged monthly payments on a closed account. Instead of just paying off the balance due. The balance is increasing. I only had a credit limit of {$200.00}, and when it was closed by them, the balance due was only {$85.00}. I'm very upset because at this rate, I will owe over {$700.00} on this account, and it's not open. I though that once an account is closed, all monthly charges stop. And, the {$85.00} balance that was due was all that I owed because the account was closed. XXXX XXXX is not doing that, they are incurring monthly charges on a closed account as if it was open. I feel this is illegal, and unethical. On XX/XX/XXXX, because my credit score is dropping I made a payment of {$150.00}, not because I was in agreement with the amount but because it's hurting my credit score every month. I need someone to resolve this immediately before this closed account balance reaches a XXXX dollars..

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 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX overcharged me with a {$10000.00} bill for a single epidural injection. The insurance company negotiated it down to a total of around {$750.00}. Out of which the insurance paid 70 % and I paid 30 % to the collections agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX XXXX agreed that the debt is settled in full and they would close my account. 

Today, after 1.5 years, I get a letter from XXXX XXXX that I still owe {$9600.00}. They never closed my account even after agreeing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made multiple purchases on the same day because my bank 's overdraft policy states that the maximum amount I can be charged in one day is {$100.00}, or three overdraft fees of {$34.00} each. However, I was charged a total of eight overdraft fees amounting to {$270.00}. 

I called the bank, and they explained that different types of merchants ( retail, restaurants, etc. ) process their payments in " batches. '' This apparently means the merchant does not submit their request for payment from the financial institution immediately, but at some later date. The bank explained that the overdraft fee is based on when the payment is presented to the bank by the merchant, and not when the card is swiped or authorized. That was my understanding of the bank 's explanation. 

I believe, respectfully, that this is a deceptive marketing/trade practice. Had I been aware I would be subject to eight potential overdraft charges I dead of the daily cap of three, I would not have made multiple transactions on the same day. 

Furthermore, charges from various types of retailers ( gasoline, retail, restaurant ) were all processed and posted on the same day ( XX/XX/XXXX ), but various other charges from the same types of retailers were not processed or posted until XX/XX/XXXX. Attached, please find a list of such charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
In XX/XX/2017 I reached a settlement with a law firm D Scott Carruthers representing XXXX to settle my account for {$7500.00} and remove the negative items on my credit report. I attached the settlement emails and the verification of my completion of the terms. I specifically ran my credit report prior and included in the exhibits so there was no confusion. Unfortunately, they did not remove my negative items. I repeatedly called and emailed both the law firm and cash call to remove and even tried to submit to the Credit Reporting Agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX has been calling me multiple times per day. They have also been contacting my mother multiple times per day and have been asked repeatedly to stop calling that number as I can not be reached there. They even told my mother that I missed a credit card payment and thats why they are calling. Not only have they harassed me and my mother, but they have breached my privacy. I told them to stop calling and instead they now just call from blocked numbers and hang up like 4 times a day. This last time I had my husband answer the phone to confirm it was them and sure enough it was. They leave no voicemails, they just call and hang up constantly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: FL

Complaint narrative:
I contact the credit breau transunion and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date is XX/XX/2018

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OR

Complaint narrative:
I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.

Company response to consumer: Closed with explanation