vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to 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 2018-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.

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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My husband XXXX XXXX X/XX/2017 ( he went to bed a healthy man and just after XXXX had a massive XXXX XXXX. My daughter and I did XXXX on him while waiting for XXXX to arrive ) a few days later I called to let CHASE CARD know. They repeatedly asked to speak to my husband to get authorization to talk to me?????? Totally upset I handed the phone to my aunt ( not even my husbands aunt ... .MINE ) they spoke to her!!!! They changed the card to me being the primary ( after my husband XXXX XXXX ) without my authorization ( Iwas originally only an authorized user ) I have requested repeatedly that something/anything be mailed to me showing that I gave authorization for this change. They did mail me a copy of the original application that shows my husband as the primary, no secondary and me as an authorized user only. After receiving this they still refuse to remove my name from the card and asked me to mail them a copy of this????? They mailed it to ME why would they then need me to mail it to them? The ENTIRE time that we had this card I would have to have my husband call to give authorization for them to speak to me about anything except making a payment. They also closed the card ( not me ) they continue to call and harass me, They called me 3 times ( even after telling them where i was ) while I was at the hospital waiting while my daughter was having XXXX XXXX!!! They are ruining my credit and will not wash the balance on the card and leave me alone. I would like to have my name removed from the fraudulently opened card, have the balance removed from the closed card and have my credit restored. ( XXXX has already done this XXXX XXXX has not as of yet ). I have repeatedly asked them to turn it over to an outside collection agency as an outside agency will require them to prove this is my bill, yet they continue to try to collect internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My debit card had 2 unauthorized charges and I called it in to wells fargo.  they gave me a claim number.  4 days later, the charges were taken out of my account.  I went to the branch and got a temporary card and was told that wells fargo treats their debit card holders like second class citizens as compared to the credit card holders.  They do not refund the debit card unauthorized charges for up to 10 business days.  Credit card holders are credited immediately.   When I questioned wells fargo about their treatment, they cited that there are 2 procedures for refunds.  This is wrong.Additionally, I was told that when I called and got a claim # that I should have been told to call the fraud people.  I was not told this.  They led me to believe that until I talked to them today, that nothing would happen to the credits til I called.  This is a lot of double-speak.They should treat debit cards and credit cards the same.

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 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, both my husband and I received offers on our American Express XXXX card accounts to earn bonus Starpoints by adding authorized users ( AUs ) to our cards. The offer stated that for each AU who spent at least {$1000.00} in 3 months, we would earn XXXX Starpoints, up to a maximum of XXXX points ( 4 AUs ). 

We both took advantage of the offer, added the AUs, and each of them spent at least {$1000.00} in well under 3 months. However, it 's now late XX/XX/XXXX, and we still have not received all of the Starpoints -- we each received only XXXX ( the bonus for one AU ), so we 're missing XXXX points each. As Starpoints are a very valuable points " currency, '' and not easy to earn, XXXX Starpoints is a pretty big deal. 

We 've contacted Amex multiple times about this, and even though Amex has confirmed ( multiple times ) that we did indeed earn the bonus points, they 've been stringing us along for MONTHS without posting the points. One customer service rep even tried to tell me that the offer was for just ONE authorized user and XXXX bonus points, but fortunately I had saved screen shots of the offer, which clearly says " up to XXXX points/4 authorized users. '' I also saved a conversation ( live chat ) that my husband had with Amex, in which they assured him that he HAD earned the points and that they would soon be posted. That was about two months ago : -/ Now we 've been told that Amex will " open an investigation '' -- which could take up to TWELVE WEEKS! -- into why the points have n't posted, which is just ridiculous : Amex OWNS the points, so all they have to do is post them to our accounts. 

We have a vacation planned for late XX/XX/XXXX/early XX/XX/XXXX, and I 'd love to be able to use the points to book our stays at XXXX hotels, but I ca n't commit to the hotel stays without the extra points we earned. I have even requested that XXXX intervene on our behalf to get Amex to release the points, although I 'm not sure that 's something they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every month.

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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Unable to acess td bank from the XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way.

During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: PA

Complaint narrative:
I have send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had checking account with Chase since 2013. 
I have been always careful with this account : very few cash deposit/withdraw, no over draft, and as an international XXXX, only occasional international wire transfers ( the last one was almost 1 year ago ). 
And it was closed without any reason in XX/XX/XXXX. as well as all my credit card accounts. 
I made multiple calls to Chase but they just transfer me back and forth and calls always end like " we closed your account and we wo n't tell you why or which department closed it or anything '' There are many cases all over the web, but most of them are associated with unhealthy account state or untraceable cash flow but none applies to my case. 

So it 's very probable it 's a human mistake that Chase is unwilling to admit/correct, or even worse, systematical discrimination towards certain group. 

The closure affects my daily life, as the checking account is my main account for receiving scholarship, paying apt rental and auto loan and utilities. Moreover, closing all my credit card accounts greatly impacts and will continue to hamper my credit record for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. 
I do n't believe its mine either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.

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 2018-01-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent a letter with payment for my account and I am waiting for them to adjust my credit report and increase my credit limit to what it was prior. In the letter and on the check it said if they chose to cash that particular check that they would restore my credit limit and remove negative information from all three credit reports. I would like them to correct the errors on they agreed to correct when cashing check # XXXX for {$580.00} dated X/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 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: FL

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit card accounts. While the accounts were not established the applications did result in fraudulent related inquiries on her credit reports. Several official disputes were made with the creditors as well as the credit bureaus in an effort to remove those inquiries however, Equifax is still reporting two of the fraudulent inquiries while XXXX and XXXX have removed the data as fraudulent. The inquires remaining are XXXX and XXXX/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.

Company response to consumer: Closed with explanation