vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
About 14 years ago I was the victim of identity theft. Someone was using my accounts & information to make purchases with my credit card. I contacted discover and the credit bureaus. All of the charges that I did not make were deemed fraudulent and removed from my credit report. I have made numerous calls to discover through the years and thought this situation was taken care of but 10 plus years later I found out, it is not. Last month, I spoke with a very kind & helpful Discover representative who informed me that in 2014 Discover had reviewed my file again and decided that I was responsible for the fraudulent charges. I recently received a court notice saying my wages were going to be garnished. I have talked to the attorneys from XXXX XXXX XXXX numerous times and Discover card and explained my situation to them and specifically told them that I did not make those charges. Their response was that they could not do anything about that and said I had to contact Discover. Discover is now garnishing my wages for over {$11000.00} in fraudulent charges that I did NOT make
!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical data systems keeps eeporting the same 2 accounts but changing the balances to make it look like a new report. The placed a report in XX/XX/XXXX then the same one afain in XX/XX/XXXX with a different amount as new.

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 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
XX/XX/2019 helvey collection agency reported to XXXX credit reporting that I owed XXXX XXXX {$250.00}. i have never lived at that address. XXXX has already determined that I never lived at that address and removed the collection from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RGS Financial, Inc.
State: AZ

Complaint narrative:
This company RGS Financial which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019 a charge was made to my pay pal account through XXXX to a 3rd party app developer for {$53.00}. Immeditaly upon reciept of the email moments after the purchase was made I deauthorized my pay pal account and submited a dispute for the charge. A few hours later I received this response from pay pal : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. '' So pay pal indicated that the dispute was denied because " THE CHARGE WAS NOT AUTHORIZED ''. Below that wording it clearly shows my dispute was submitted on XX/XX/2019 while the trnasaction was still pending. Even after receiveing my dispute paypal still put the charge through on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bass & Associates, P.C., Attorneys at Law
State: TX

Complaint narrative:
On XX/XX/2019, I sent US Dept of Education/ Bass & Associates , P..C. a notice of breach of agreement. This company disregarded the letter and sent back a response of notice of intent to garnish. I specifically asked them to answer all 6 questions to no avail. This is a violation of the FCRA/FDCPA. I do not have a contract with this company and they havent produced the information that Ive asked for along with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax refuses to work with me to correct a collection account being reported by them that has been resolved. I don't understand why XXXX  and XXXX  have removed the disputed item but Equifax refuses to correct it's error. I have tried many many times to get Equifax to get their act together but they just ignore me. numerous times I have sent letters initiating a dispute that goes without any response from them - they just ignore my dispute and violate the fair credit reporting act by not addressing the dispute - many times after 30 days I have not received anything from them on a dispute which in itself is reason to remove the item - I pointed this out to them but they ignore me over and over again. they report a XXXX dollar collections for XXXX hospital that I do not owe. Equifax needs to get in line with the other reporting agencies and fix this incorrect information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Early Warning Services, LLC
State: NY

Complaint narrative:
There are three fraudulent accounts listed on my Early Warning Services consumer. I have contacted Early Warning Services to have this information as a result of identity theft removed and have not received any response back. 

Early Warning Services is not allowing me to place a fraud alert on my credit report with them. They are telling me they are a consumer reporting agency and are not obligated to do so. 

Early Warning Services will not provide me with the addresses and contact information for XXXX or XXXX XXXX XXXX XXXX to contact them to have the fraudulent information removed from my report. 

I have attached copies of all relevant documents to this complaint including copies of the front and back of my NYSID with my current address along with my SSA card for ID verification. 

I discovered my identity was stolen in XX/XX/2017. I have attached confirmations of identity theft after formal investigations by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
I closed / settled on my mortgage two weeks ago and they haven't funded the loan ( sent me the mortgage ). I have emailed ( 5-7 times ), called ( 3-4 times ), left a messages and voicemail with a manager. Nobody is trying to fund the loan ... it doesn't seem to be anybody 's priority, which is mind boggling. I'm confused because I've had a mortgage before and the money was send that day ( or maybe the next day ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/10 my account was negative about {$8.00} due to pending transactions that already deducted from my available funds. I made a cash deposit and have the receipt showing my balance was in the positive at about XXXX. When I woke up this morning, I received 3 insufficient fund fees. Once researching I noticed that not only did my available balance change, but they allowed for a charge from 6 days prior go through. I DO NOT have overdraft protection because I will never allow the bank to overdraw and charge me fees. Instead they allowed a transaction to go through from XXXX ( {$47.00} ) instead of declining it. They also rearranged all pre deducted transactions to add in an older dated transaction that appeared after I took my account out of negative causing 3 insufficient fund fees. If I am not electing overdraft then no transaction should be causing the account to go negative. Rearranging transactions from largest amount to lowest is also against the law. It is not my fault the merchant or bank waited 6 days as shown in attached photo, to charge or post. Standard posting is 3 days somehow this took 6 days which is at fault of bank. This is not a recurring charge it was an online purchase made a week ago. Bank needs to be careful with deducting and posting while rearranging transactions. They deducted as they were purchased, but this morning they are all rearranged with transaction that appeared last night sometime posted before my pre deducted transactions from earlier in the day. As transactions are coming through it lowers the available balance whether posted or pending. That means at some point only so much is allowed to go through as long as there is a positive balance not negative and create bigger negative balance due to not following standard practice and laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal ( XXXX, XXXX  ) checking account services use of holds and or authorizations for inordinate periods of time can harm consumers. E.g. the bank, Paypal, in some cases, will place an authorization for more than 21 calendar days on common types of transactions, unnecessarily withholding funds long after the release by the vendor with whom the funds were initially authorized. 
On XX/XX/2019, I utilized a Paypal debit card to authorize the opening of a folio  at a nationally recognized hotel chain. The authorization was a standard amount of {$50.00} USD. After a week and a half the authorization was still pending and the funds continued to be withheld by Paypal. On or about XX/XX/2019, I contacted the vendor, hotel, directly and they informed me that they had released the hold or authorization two business days prior to my contact. I then contacted Paypal, on or about XXXX XXXX, to inquire as to why the funds continued to be withheld. The customer service representative informed me of their policy to hold funds for a minimum of 21 days from the date of transaction, notwithstanding the vendors action to release the funds, the policy of the bank was to withhold the funds for this inordinate period of time, regardless. I was informed that it was possible to have the period of time shortened and Paypal would only do this if a series of onerous and burdensome actions were undertook by both the account holder and the vendor. First, it was necessary for me to reach out to a specialized customer service representative, in an understaffed department at Paypal, another inordinate wait time, with limited opening hours. This representative would email me detailed, lengthy and impractical set of instructions for early release of 'authorized funds, ' which I was responsible to deliver to the business. As the account holder I would have to deliver these instructions, unsolicited to the vendor, personally, with great effort to convince them of my identity and the legitimacy of my request. I would have to convince the vendor to fax personally identifiable, sensitive and private information to Paypal, which they already had secure access to, including names, account numbers, address etc. Needlessly transferring a tremendous amount of risk, possibly compromising my personal information and exposing me the account holder to identity theft. This information would than have to be verified by Paypal, again, causing further delay. Paypal, and other federally insured financial service institutions, administering basic checking accounts should not be allowed to withhold debited funds, inexplicably, long after the vendor has fully released the hold on the funds, they initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
Got about 6 or 7 charges I didn't atheroize and some are in Minnesota I haven't even been there in years so can't believe all this. It totals {$370.00} N my paycheck is only {$430.00} So most my paycheck I can really use for XXXX right now it's from XXXX to take care my dad n we really need money this is been going on over 3 no the n they don't care and tell me they gon na send papers or do this or that n then never do anything can u plz help me it's almost a 2 week pay for me. It's thru XXXX debt card it's only option we get thru XXXX so XXXX for XXXX  is to get ur money direct deposit on this card then sure enof just my luck somehow someone used n spent most my money. Plz help me I need my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX XXXX  XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
1- Ticket Been send XXXX XXXX XXXX City bank Case number for Dispute city bank XXXX $ XXXX. 

I call city bank at XXXX XX/XX/2019 At time XXXX XXXX  total time for the call 20 minutes call from my cell XXXX to Dispute XXXX $ from company XXXX it was after les than 2 hours from the time I paid for my ticket the city bank customer Dispute they ask me if we can make call 3 in one call with XXXX to found solution and city bank side they recommend to XXXX the call is recording. After that city bank side she sad she have to hang up the call and if I dont found solution I have to call city bank in the phone number at the back of my card to file Dispute I call back city bank Dispute service to file dispute I have to start over for that I call one more time XXXX XX/XX/2019 time XXXX XXXX  total a mount of call 26 minutes from my cell XXXX and I file Dispute ( I have to start over ) she sad just call us back to full with your Dispute In the XXXX XX/XX/2019 to full with my complain icall to ask what happened with my Dispute the answer was sorry sir you dont have any Dispute for XXXX $ I have to start over at XXXX XX/XX/2019 at XXXX XXXX  for total 34 minutes from my cell XXXX to fill Dispute My question 1- I could dont that from XXXX that give me 24 h to cancel my transaction with some fee and the money with be in my city bank account the next business day 2- why city bank stop the call with XXXX And they left me alone in phone the Dispute is not complete 3- when I call the same day to fill Dispute they told me every think is complete 4- I call in XXXX XXXX I dont found Dispute 5- I have to fill anew Dispute at XXXX XXXX 6- I could finished every thing from XXXX befor 24 h from the time I bay my ticket and the money will be in my acount in 24 h 7- how longe I have to wait 8- what documents you need from me

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 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to ask about my payment from city bank to my XXXX XXXX More than 7 time I make payments from city bank to my XXXX XXXX and the payment is not go through even I have some thousands in my city bank and when I call city bank and contact with XXXX XXXX city bank sad yes he do have enough funds and I ask how much money I have most of the time some thousand and my payment is some hundred My XXXX XXXX refuse to increase my limit becouse its show in XXXX XXXX side I dont have enough funds ( I dont haven enough money ) 1- why 2- how city bank can fixes this mistake When I call city bank they sad we sorry 3- all the call it was 3 in one city bank and XXXX XXXX and me in one call 4- city bank they chose slots of mistake 5-city bank cant clearer my name with XXXX XXXX 6- XXXX XXXX that not approved me and I will never have a good relationship with XXXX XXXX 7- you can go back to your recording line and listen to conversations 3 in one me and city bank and XXXX XXXX

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 2019-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Im disputing medical bills that have been placed on my account from XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) and HARVARD COLLECTION ( XXXX Account Number ) Collection account. {$2200.00} past due as of XX/XX/2019 Ive previously disputed this information with the original creditors ( XXXX XXXX XXXX XXXX XXXX ) and have previously provided them a police report for identity theft. The account was then removed from my credit and now after various years they are trying to collect again. Please have this corrected as I have contacted them and they are unwilling to remove this from my credit. 

- Contact Info for Harvard Collection XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Upon using my XXXX/Commenity bank card, I was offered an interest free program if paid off before a certain amount of months. However, Commenity still charged me interest every month. 5 months later I contact commenity and was informed that they woud fix the error with the program that commenity entered me into after supplying them with the necessary documents to prove my claim. 9 months later they still have not fixed the error. They are refusing to give me what they promised. I had a customer service representative call and speak to me and a nasty manner saying things like "you can tell me the truth you don't have the money". I was told by a customer service representative "It doesn't matter what we say we were going to do, we are not honoring the no interest program for you." This is not fair. If I wasn't told my purchase would be interest free I wouldn't have used the card. Even though they stated they would fix the error, they don't feel like they have to follow through.

Company response to consumer: Closed with monetary relief