vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I just found out that Synchrony bank has been charging me {$10.00} a month on a card I've had with them since XXXX of 2015. 

For the last six months I had been wondering why I couldn't get my balance to go down. I thought maybe I had a subscription to something that I didn't realize I had subscribed to, so I cancelled the card. I was still getting these fees and not understanding where it came from. I messaged someone on the live chat. They told me I signed up for it, what it was, and why it's been there. I reacted in a very shocked manner because I really couldn't believe eyes. 

Keep in mind I'm a XXXX year old attending XXXX  full time. 

I messaged XXXX on the secure messaging system, as well as the live chat, as well as emailing synchrony and XXXX. Nobody would help me and the live chat employee told me to call a number to have them cancel and refund me. XXXX. 

I called and after being on hold for 20 minutes, the CSR answers and of course, tried to give me the run around. At this point I was furious. I kept telling her " I did NOT sign up for this, and I was NOT aware of it. I need you to cancel it and give me a refund '' I was told I'd be refunded {$360.00} ( Out of my {$610.00} total, meaning I had only accrued {$250.00} on this credit card myself. ) I never received the {$360.00} refund. 

This " optional '' security fee that nobody is informed of, ended up costing me over half of my balance. Why would I pay for something that would get rid of my debt in the event of " losing my job '', when it costs over double what my actual balance is??? THAT MAKES NO SENSE. 

This is a SCAM and it is deplorable.

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 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have disputed the debt they are trying to collect. I sent them notice and they admit they received it. But they keep calling telling me I have to produce receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I called into Chase Credit Card to make a payment on my account ending in XXXX. The bill was a small amount but several months due to Hurricane hitting down south where my brother lives and my mother was staying. My mother subsequently became ill due to the stress of the damage and having to return back home to NJ and I did not pay attention to my bills. The total amount due was originally {$200.00} and the representative offered to remove the late fees so the balance paid was {$120.00}. I asked the representative if all was well with card and she said to wait 24 hours to allow payment to process and all should be fine. She said my available credit was {$20000.00}. I also inquired about my XXXX bonus points and she said I could also start redeeming them after the first 24 hours. This morning I went to XXXX and was declined a {$23.00} charge. I called Chase and they told me card was closed and I no longer have the XXXX points which have a {$550.00} value. So they in essence stole the money. I asked to speak to a supervisor who just said it was policy and had no interest in reviewing notes on my account. I also asked that the recordings of my conversation be pulled to verify my statements. I have been a Chase card holder since XXXX. They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I SENT THE FOLLOWING TO CHASE. NOTE* XX/XX/XXXX Chase on a recorded line told me to stop making mortgage payments. It due to my HOA stealing the title to my home and not allowing Chase to redeem my property. At present, HUD FHEO ( XXXX XXXX ) is reviewing my request for fair housing discrimination. 

CHASE has stayed every foreclosure since XX/XX/XXXX provided I could prove active and contentious litigation. I would not be in foreclosure if Chase had not told me to stop making payments. 

XX/XX/XXXX Chase encouraged me to stop making mortgage payments in its effort to support me as I defended my property rights. My HOA stole the title to my home XX/XX/XXXX and during the first quarter of XXXX Chase 's effort to repurchase those rights was thwarted. Until now, I have fought my HOA on my own. But due to limited financial resources and cognitive and other physical XXXX due to a near fatal car accident I had to get help. Attached is acknowledgement from the US Department of Housing and Urban Development. It includes a name, telephone number and email address of the person reviewing my matter. Please honor the word given to me by Chase representatives when they said as long as I could prove active and contentious litigation they would stall foreclosures. The reason Chase said this is because at the time, XX/XX/XXXX, it was unknown to me or Chase whether or not I would prevail in Court. The HOA already had the title and they despite knowing I was challenging the validity of their title seizure, was expediting a dispossessory in magistrate court. If the  magistrate court dispossessed me from my residence I would be evicted yet still financially responsible for the mortgage. If I won, then I would not have a problem - but if I lost, then the property would have also foreclosed due to nonpayment. Please do not let my home foreclose. I have been the victim of XXXX housing discrimination since XXXX. They have harassed me practically every day for 15 years. The documentation provided supports that I am telling the truth. If this were about money and not race - they why did they not simply take the money from Chase when it was offered during the first quarter XXXX. Please ask your legal department to file a tortious interference with a business contract lawsuit against my HOA. Essentially, the unlawful foreclosure of my title impeded the financial business relationship I have with Chase. The financial injury to Chase would be the missed mortgage payments that included interest income not realized by Chase that could have been received in a timely fashion and used to further its business interest. Even if you do not file suit against them, please do not allow my home to foreclose. I am doing my best to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Checkr, Inc
State: OH

Complaint narrative:
Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. 

Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. 

I request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've mailed certified letters to Experian in regards to credit inquiries that I do not recognize. The inquiries in question are listed below ; - XXXX XX/XX/XXXX -XXXX  XXXX/XXXX XXXX   XX/XX/XXXX -XXXX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX 1XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/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 2018-12-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Citi Bank AAdvantage Platinum Select World Elite card in XX/XX/2018. When I applied the AD said as follows : They claim in AD if following conditions are satisfied then I get XXXX bonus miles after spending {$2000.00} in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening. Unfortunately I spent more than {$11000.00} because of there luring AD and see any other conditions posted under their disclosure and was never told on the phone. So I thought it is good deal in my Senior years and I can use this mileage for my vacation but later I saw it was never awarded to me and I was shocked. 
I called them about their misleading practice and not being transparent but all they made vague argument via letter as follows : Special offers are not allowed if account is approved or closed in 24 months. But honestly I did not see in their AD Disclosures. The copy of which is pasted below. If it is hidden somewhere to me that is fraud and deliberate lack of transparency.. I would like you please resolve this issue that is fair to me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITI ADVERTISER DISCLOSURE Partner Offer Citi / AAdvantage Platinum Select World Elite Mastercard Good to Excellent Credit  Recommended ( XXXX )? 


at Citi 's Secure Site Intro Bonus XXXX miles Earn up to XXXX American Airlines AAdvantage bonus miles : XXXX AAdvantage miles after making {$2000.00} in purchases in first 3 months and XXXX after making a total of {$6000.00} in purchases in first 12 months of account opening* Reward Rates 2X 2 AAdvantage miles on eligible American Airlines purchases* 2X 2 AAdvantage miles for every {$1.00} spent at gas stations* 2X

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 2018-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX I ALSO HAVE XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX, I MAILED A DISPUTE AND HAD RESULTS AS DELETED BY XXXX  AND XXXX  BUT EXPERIAN IS NOT REMOVING THE ITEMS, I ALREADY GOT A LETTER FROM THE COMPANY STATING THEY ARE REMOVING FROM THE CREDIT REPORTS, PLEASE HELP. ITS ONLY EXPERIAN WITH THE NEGITIVE ITEMS

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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Certified Mail No. XXXX XXXX XXXX XXXX XXXX United States Postal service document to remove inquires that are inaccurately reporting and not 100 % verified thereby must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
The alleged collection agency states I owe a XXXX  bill in the amount of XXXX. However, this is false. I paid my entire XXXX  bill in full before switching cell phone companies. This is in fact accurate because XXXX would not unlock my SIM card so that I may switch carriers WITHOUT paying my cell phone balance down to XXXX. This additional charge does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My complaint is with Transunion Credit Bureau. file # XXXX 1. They offer help but I filed a dispute and received nothing but a temporary fraud alert.

2, They failed to freeze my account due to a police report and a seven year credit freeze.

3. I have excellent credit and was denied a bank charge card because of XXXX  in my credit report.

4. They don't offer a fax number or website for uploading documents as they want to use snail mail. Ok, the dispute took thirty days and now I can wait another thirty days using snail mail.

5. I was told I was denied credit because of too many inquires in the past two years but they wouldn't be there if Transunion placed that seven year credit freeze.

6. I talked to XXXX the Supervisor today and basically all he said was wait TWO years for the credit report to clean up.

7. Do I have the right to ask companies that I deal with not to use Transunion?

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 2018-12-03 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: CA

Complaint narrative:
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now, this account is still showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX : Account REF # XXXX, Highest Balance {$7000.00}, Opened Date - XX/XX/XXXX I am  looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/18 I opened an HSBC Advance online bank account. Shortly after, I have not been able to get access to this online account to transfer any money into it or do any other transaction. Since then I have called HSBC several times to have them resolve the issue with the online account. I have been put on very long holds up to 1 hour or more without any resolution. On one occasion, a representative took my number and told me that someone will call me back to resolve this issue. Nobody ever called since then. Subsequently, I have tried to close this account but have been unable to do so because again I am either being transferred or put on hold for a long time without any resolution. HSBC simply refuses to do anything. And I am sure, 30 days after my account opening they will begin charging their maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now this account is showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened -XX/XX/XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NJ

Complaint narrative:
My dispute is with the creditor, as you will see in the attached email chain. The creditor, XXXX fraudulently tried to charge me triple for treatment I received earlier this year. I emailed the creditor advising I disputed the fraudulent amount and I wanted to clear this up, and as you will see in the attached copy of the email chain they responded that someone would be in touch with me. I never heard back, and you will notice I emailed them again to follow up, but heard nothing. Now, I am receiving a dunning notice from XXXX ( copy attached ). While I understand that my communication was with the creditor, per the communication from the CFPB the debt collector is responsible for performing due diligence on new placements prior to making collection attempts to determine if a dispute exists. I received no verification of the debt or response to my dispute, but collection activity continued in the form of my receipt of this dunning notice. This constitutes a violation of the FDCPA.

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 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Continuation of complaint XXXX XXXX XXXX  have me a reference number of XXXX XXXX XXXX accepting a XXXX credit in my behalf in XX/XX/XXXX. They werent able to reverse the credit because XXXX  accepted it. 
Reference XXXX I spoke to XXXX  because I also have a blue XXXX. I was told XXXX XXXX did accept the XXXX credit in my behalf. Apparently it was transferred XX/XX/XXXX to Citibank visa XX/XX/XXXX as I was told my customer service XXXX. Citibank has no record of receiving this XXXX. 
Ive spoken to managers at XXXX  and no one is willing to help me obtain the XXXX you accepted in my behalf.

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 2018-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: MI

Complaint narrative:
My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.

Company response to consumer: Closed with explanation