vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Constantly chase bank witholds my information to  XXXX , a payday app.. they donot give my oayday infirmation as it has to be done they give it too late resulting in me not being able to borrow from my check, ive called chase in numerous occations asking how this can be fixed and i never get a deffinitive  answer. Please push chase bank into updating my account info with  XXXX  so i can live at peace.. thank you !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have done several complaints regarding a debt thru  XXXX   XXXX   XXXX  and theservicer of the account Resurgent Capital Services. They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  on XXXX    XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in   XXXX   an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: TX

Complaint narrative:
Equifax has reported a judgment for {$870.00} that was not even mine, and this matter was resolved a year ago, and it still shows. They are unreasonable, and when I called they just said to dispute again ... this is keeping me from getting a new car because I was in a car accident and need a vehicle. I 'm hoping this will help so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I am writing to register a formal complaint against  Citizen 's Bank r egarding predatory overdraft fees.  <P/> On the morning of  XXXX   XXXX   2017, I lo gged into my online banking account via the Citizen 's Bank smartphone application, at which point I learned my checking account was overdrawn by {$20.00}. Upon closer examination of my recent transactions, I discovered that Citizen 's Bank had levied  XXXX  overdraft fees of {$35.00} each against my checking account on  X/X/2017   , for a total of {$100.00} in overdraft fees.  <P/> My account was not overdrawn as of  XXXX   XXXX   2017. Ac cording to my records, my account had a positive balance of {$75.00}, nor were any pending transactions listed. Please note that Citizen 's Bank 's smartphone app does display pending and " on hold '' transactions prominently, and that no such transactions had been displayed.  <P/> I contacted Citizen 's Bank for an explanation. I was told by a representative named  XXXX   XXXX  that the most recent deductions and debits in my account had occurred in a different chronological order than that displayed in my online banking account, which had resulted in the first of the  XXXX  overdraft fees.  <P/> I asked  XXXX   XXXX  's supervisor, a woman who identified herself as  XXXX   XXXX , to waive the fees, and was told that although Citizen 's Bank could not be held responsible for the problem, the bank would be willing to refund  XXXX  of the  XXXX  overdraft fees - a strange solution to a problem they had supposedly not caused and could not be held accountable for.  <P/> Shortly after the conclusion of the conversation with  XXXX   XXXX , I learned that Citizen 's Bank had refunded  XXXX  of the  XXXX  overdraft fees, despite having not been explicitly instructed by myself to do so. Again, this seems strange, given Citizen 's Bank 's refusal to accept responsibility for this error. This fee rebate can be seen in the attached screenshot of my recent checking account activity.  <P/> Given Citizen 's Bank 's history of deceptive practices regarding checking account fees, I wish to formally complain about these unfair and predatory banking practices. My income is very modest, and to lose so much money to fees that could have easily been avoided had Citizen 's Bank provided me with accurate transaction records is not only utterly infuriating, but also completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-10 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: MS

Complaint narrative:
I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.

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 2017-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
XXXX   XXXX   notified me that  USAA  is not relaying information timely so it is hindering my use of their services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.

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 2017-06-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10 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: MS

Complaint narrative:
I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.

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 2017-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On  X/X/17    I called to inquire about paying off of debt of {$1100.00} wit h Diversified Consultants.  I let the representative know that the account went into collection because I had opened the account for my ex-boyfriend who failed to pay the bill. I asked the representative if I could pay the amount in full, would the collection be removed from my report. He took notes and let me know that the collection would be removed from my report " immediately '' after I paid. I let him know that I would be calling them back to make a payment after making arrangements with my husband.  <P/> On  X/X/17    I called to make the payment and inquire about settling. We made a settlement agreement for {$720.00} with the representative and her supervisor. I then asked if paid, would the collection be removed from my report. She let me know that it would be updated as " settled in full '' so I then asked if I paid for it in its totality, would it be removed. She let me know that it would be reported as " paid in full '', but not removed. I let her know that the previous representative told me it would be removed if paid. So she let me speak to her supervisor who explained the same thing. I then let them know that I will call them back after making a decision to pay in full or settle in full after speaking to our mortgage loan credit specialist.  <P/> On  X/X/17    I called to make sure the settlement still stood since I had n't made the decision to pay in full or settle in full. The representative let me know that he would take note of it and the {$720.00} still stood.  <P/> On  X/X/17    the representative gave me the dates and names of representatives that I had previously spoken with. I called to let the company know that I was going to make a complaint since I was told previously that the collection would be removed after paying, and now they were going back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A great nephew of my wife was murdered  XXXX . When we finally got the wallet after the trial, we found a  XXXX   XXXX  prepaid tax refund card and we were able to determined that there was a little over {$1000.00} in this account. We have been try to cash this card since  XXXX . Note the great nephew only has his mother  ( m y wife 's niece ) and my wife as relatives. The mother is in a  XXXX   XXXX  and my wife has a power of attorney for her. Since  XXXX , we have contacted  XXXX    XXXX    express ten times and have faxed then different information five times. Each time we respond, they would come back and with more information that they needed and we would comply. Finally, we received a letter from t he American Express Resolution Team requ esting forms filed through the court system. In checking with an attorney, we found that it would cost us far more way more then {$1000.00} to do this. American  Express has hindered us at every turn. I guess American Express will  get to keep the money rather then the mother who needs this money to fix her teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I took advantage of the offer fro m Capital One to tr ansfer credit card balances over for 0 % interest for a period of time. The first transfer of {$8000.00} was to be interest free until  XX/XX/XXXX  ; and the second transfer of {$4000.00} was to be interest free until  XX/XX/XXXX . You only had to make their " interest saver '' payments to keep the 0 %. In  XX/XX/XXXX ,  Capital One star ted charging full interest on the balance that was to be set at 0 % even though I had made all of the interest saver payments. To do this, they increased the interest saver payment to the full balance knowing that most people are not able to pay. I had planned to pay the entire balance by the deadlines to keep the 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,   XXXX   and  XXXX   XXXX  respectively. The attache d medical collections were instantly filed by Overton, Russell, Doerr & Donovan, a law firm located in the state of New  York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows :  1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.      2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the    right report any or all collections previously ordered paid.   In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  Overton Russell Doerr & Donovan for a continuous illegal collection practice ( s ) against  consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center  of Overton Russell Doerr & Donovan alo ng with a permanent injunction against same from this continuous abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with experian a couple of times, I feel like they 're not properly investigating my dispute. And all they 're sending me every 30 days is a credit report no letter about the informations about investigation of the dispute. I have asked for them numerous of times.

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 2017-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,  XXXX  and  Trans Union  respectively. The attache d medical collections we re instantly filed by  XXXX ,  XXXX ,  XXXX   XXXX   XXXX , a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows  : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medic al invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.     2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid.     In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  for a continuous illegal collection practic e ( s ) ag ainst consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  along with a permanent injunction against same from this continuous abusive practice.

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 2017-06-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with Experian, XXXX and XXXX XXXX respectively. The attached medical collections were instantly filed by XXXX, XXXX, XXXX XXXX XXXX, a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question. 2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid. In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of XXXX XXXX XXXX XXXX XXXX for a continuous illegal collection practice ( s ) against consumers without any consideration of the law. An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations. My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of XXXX XXXX XXXX XXXX XXXX along with a permanent injunction against same from this continuous abusive practice.

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 2017-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.

Company response to consumer: Closed with explanation