vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Professional Recovery Management
State: FL

Complaint narrative:
I was seen in the Emergency room at XXXX XXXX Hospital in Tennessee in 2015. The bill of XXXX $ was send to the Insurance and paid. Spoke with hospial and was told they Did Not send in a claim. Then talked to billing department and was told they had nothing against me. I dont have any paperwork on it. But XXXX did pay the bill. My ssn.XXXX. 
My birthday XXXX XXXX XXXX XXXX. I dont know any XXXX XXXX   and was never contacted by them. I need to get this off my credit report. I talked to the hospital and billing department and each time was told there is nothing. Please get this corrected or let me know what else I can do. I requested a statement but never received one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
I called in beginning of XXXX and I did a balance transfer in the amount of XXXX to XXXX card services and it went through and approved and got a letter in the mail on XX/XX/XXXX and saying the balance Transfer is processed and it had a wrong zip code on that letter and I was told that I wont be able to resubmit a balance transfer for 30 days and I was have trouble paying my bills this month due to the error on the bank end and the bank dont want to apologize or cancel the balance transfer

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I was notified today that my credit score was impacted due to going over the limit with my Commenity Overstock Credit Card and I logged into my statement and saw two charges for {$150.00} and one charge for {$410.00}. That is a total of {$720.00}!!!!! How can this possibly be ethical. I don't care what their justification is. This is literally ruining my life. How can they be so cruel, unfair and deceitful?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I have contacted Equifax on Several occasions in reference to some unauthorized inquires on my credit report from XXXX XXXX XXXX XXXX. I was told by different Reps that the inquires would be disputed, in a matter of days the results would come back as being factual. I contacted XXXX XXXX XXXX XXXX and their reps stated they did not receive anything from Equifax. I was also told by a rep to get a letter from XXXX XXXX XXXX XXXX stating that the inquires was unauthorized and send it to them and they will remove the inquires. I faxed over the letter to Equifax and called them to see if they received the letter. The Rep that I spoke to his name was XXXX, told me that now I have to contact XXXX  again and tell them they need to contact their business office. The rep I spoke with at XXXX told me they don't contact Equifax and that the letter should be enough. 
I'm just trying to get my credit report correct, I gave Equifax the information they requested and now they are giving me the run around. All I want is my credit report to reflect how it is suppose to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
On XX/XX/2019, I learned a credit account had been opened in my name at Barclays Bank. The card had an outstanding balance of {$15000.00}. I called Barclays Bank to notify them of the fraudulent account and was told they would investigate. I completed an Identity Theft Report at the Federal Trade Commission website. I printed the report, sent it to Barclays along with a letter requesting the account be closed and reported as fraudulent to the credit bureaus. I froze my credit report at all 3 credit bureaus and mailed them the identity theft report along with a request the account be removed from my credit report. On XX/XX/2019 I filed a incident report at my local police precinct and a police report was issued. I faxed the police report to Barclays on XX/XX/2019, then followed up with a phone to Barclays on XX/XX/2019. When I called I gave the representative the name and contact information for the Detective assigned to the case. As a result of the Detective 's investigation an arrest warrant was issued, an arrest made, and a guilty plea entered in court. The guilty plea was entered on XX/XX/2019. On XX/XX/2019, Barclays called me to inform me they had completed their investigation and determined the account was valid. On XX/XX/2019, I faxed additional documentation to Barclays, including a letter for the US District Attorney 's office documenting the guilty plea on the charge of credit card fraud. On XX/XX/2019, I called Barclays to follow up, according to the representative, the documentation faxed XX/XX/2019 had not been reviewed, but would be forwarded to the investigations team. The account remains under review. Over the last 3 months, I have received 2 letters from Barclays stating their investigation was complete and the account is valid. I have spoken with multiple representative who claim that purchases made with the card, including groceries, were household items and therefore I am responsible for the account. Every time I call Barclays, I am place on hold multiple times, transferred at least twice or asked to call back at another number. When I call, I never speak to the same representative more than once.

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 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Greater Collection Agency Bureau, LLC
State: AZ

Complaint narrative:
on XX/XX/XXXX I received a call from my Mother-in-Law in California that she received a call from XXXX XXXX of GCAB ( XXXX ) and that I was getting sued for a debt owed. I called XXXX back immediately and after verifying my information told me they were filing a class action suit for a XXXX XXXX credit debt. I told her it was part of our bankrupt several years ago and that I would call my lawyer to give them this information. She stated she had my lawyers information and would note it in my file. 

Calling a elderly family member is wrong when I do not owe any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im part of a group on XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied to a job posting via email. I was offered a position where I was told Id be paid $ XXXX/wk to have my car wrapped for their sports drink company. They sent me a check for {$2300.00}, which I deposited and had me send a XXXX payment through my bank account for {$1700.00} to the installer. I sent the XXXX payment on XX/XX/XXXX at XXXX. Shortly after, I realized it was a fraud when they asked me to send more money, this time they asked via text. The text was full of grammatical errors and didnt sound like a business at all. Upon learning this I contacted my bank ( Bank of America ) and XXXX. This was at XXXX on XX/XX/XXXX, less than nine hours after sending the payment. I told Bank of America of the fraud and asked that they reverse the {$1700.00} immediately. They said this isn't something they can do so I contacted XXXX. XXXX said the money already went through, said there wasn't anything they could do and transferred me back to Bank of America 's fraud department, which was closed for the day. Everyone I spoke to knew exactly where the money went ( a XXXX account ) but refused to get it back. 

I contacted Bank of America once again on XX/XX/XXXX at XXXX to file a claim and to inform them that I believed I was given a fraudulent check. Their response was that once the check was bounced back, they would shut down my account ( once the claim has been closed ) because that's standard practice when that happens. So not only was my account overdrawn when the check was proven to be fraud & the {$1700.00} wasn't returned.. but now I was being told that my account ( that I've had since XX/XX/XXXX ) would be shut down. 

I've learned that XXXX, unlike XXXX, has no fraud protection but instead perpetuates fraud by giving scammers a platform to conduct their business. Not only that, Bank of America ( and other banks ) support this by offering XXXX on their apps. I'm now aware that this has happened to many people through XXXX and it's ridiculous that they haven't changed their policies to protect their consumers. 

.

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 2019-05-15 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: MI

Complaint narrative:
I routinely my credit report via XXXX. During a check on XX/XX/2019, I noted a change on my Equifax report indicating a hard credit inquiry. This inquiry was named as XXXX XXXX XXXX XXXX , XXXX and was also dated XX/XX/2019. Only my Equifax report seemed to show this inquiry - no other credit reporting agencies show this inquiry. I did not authorize XXXX XXXX XXXX to run a credit check. I am not currently an XXXX XXXX XXXX customer, nor have I ever been. I do not intend to be an XXXX XXXX XXXX customer and did not seek any inquiry on their products or services and did not provide my personal information to facilitate this. This credit inquiry was obviously in error. 
My first course of action was to file a dispute with Equifax. I filed this dispute online ( Complaint No XXXX / Confirmation number XXXX ). I received notification that the dispute was completed on XX/XX/2019. As I was unable to access this report online, I called customer service on XX/XX/2019. I was told Equifax would not remove the hard inquiry as it was a " factual report, '' and that if I believed the inquiry was in error or fraudulent, I should contact the company directly. 
As a result, I contacted XXXX XXXX XXXX on XX/XX/2019. I had extreme difficulty finding a representative that even understood my problem and spoke with at least four different individuals at three different numbers and received no help. Through some diligent online searching, I came across an online portal for filing billing and credit disputes with XXXX, an XXXX XXXX XXXX company. I completed this online form and provided my personal information as requested on XX/XX/2019. No confirmation was provided of the submission. 
As of this date, XX/XX/2019, I have not been contacted by XXXX XXXX XXXX to address this complaint and this hard credit inquiry still shows on my Equifax credit report. It is deeply troubling that not only can this sort of inquiry erroneously be applied to an individual 's credit report, but that there is no recourse or responsibility taken by the companies involved. I'm very dissatisfied with my experience with both Equifax and XXXX XXXX XXXX in both the error and the lack of correction. I'm unsure whether there is any accountability for them and wish this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My daughter had passed away and I was going through a divorce and lost my job at the same time. I let XXXX know of this situation as to remove late payments after I paid my balance in full and they declined my request. I have then resubmitted another goodwill letter with no reply. I still have a current open account with then in good standing. I am just asking them to remove the late payments off my credit report as it hurting my credit to know buy a new home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 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: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
Spoke with XXXX at Bsi financial on multiple occasions about credit reporting and my payments being reported as late when they were on time when XXXX reported that it would be reported correctly when my modification was finalized. After my modification was finalized and payments were made on time I made multiple calls to get this fixed. To no resolution. Even after modification was finalized they continued to report my payments as not on time and have failed to correct that within a timely fashion. I have been dealing with this issue on both end since XX/XX/2018. I have never received a written response and received maybe two phone calls in reference to this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was disputing inaccurate information on my credit report with Equifax. And some how my disputed information was shared unlawful with other companies of dispute. For example I was disputing a company here in South Carolina name : XXXX XXXX and Equifax mailed them my research request from with other disputes with different companies that was being disputed as well. That very unlawful for Equifax to share my other disputes with sunset finance as well as other information. I have proof letter from sunset finance mailed to me with everything Equifax mailed to them in which XXXX XXXX mailed to me. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion Inquiry XXXX XXXX- Inquiry from XX/XX/2019 Institution Information XXXX XXXX XXXX , ND XXXX ( XXXX  ) XXXX This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.

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 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have used the XXXX services through my bank without a problem in the past but lateley is like XXXX makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight into longer days in the interbanking lending process. Also is sharing that information with other banks On or about XXXX money was send to my XXXX bank account via XXXX using my email address. My Email address is register ( XXXX ) but I learned that on XXXX JP Morgan Chase   intercepted that money. I dont have any accounts at this time with JP Morgan chase. The money send to me was to pay a balance on a business transaction that if not pay on this day will cost me a {$75.00} daily fee plus lost of my origianal investment 0f {$3500.00} through an internat customs services. XXXX Upon cantacting XXXX I learned thought is representative XXXX and XXXX at the Arizona center that The Money was being detained by JP Morgan Chase the same answer I got from XXXX. 

When contacting JP Morgan Chase a representative by the name of XXXX in customer service confirmed, XXXX at the XXXX call center transfer me to Chase Mobile banking the the XXXX with a representative by the name of XXXX XXXX whom then acknowledge that the money was being held by JP Morgan Chase it would transfer me to a department to assist me - I called several times and the emplyees at JP Morgan would disconnect me once they realized that they were holding my money illegally and did not wanted to get involve. 

For some reason JP Morgan Chase had illegally open an account to keep those funds. I had not done any sort of busniess with JP Morgan Chase in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, I disputed this online, on your website and uploaded my ID at that time. I received an email a few days later saying that they wanted my ID and they wanted me to submit it by fax or mail. I truly don't understand why your system allowed me to submit it online and upload my ID at that time if you were going to in turn ask for the ID a different way. This is a CLEAR AND UNNECESSARY STALL TACTIC and my MY INTELLIGENCE IS INSULTED. I also received an email that my dispute was complete just for you to say the same frivolous rhetoric that you said previous in the 1st attempted stall tactic. I tried to send the documents again to no avail to the fax number provided by your company which failed every time. This is not rocket science and I will not let your company make me perform like a cat chasing his own tail. So, I have decided to file this complaint to get you guys at Equifax to do your simple job of updating my birth year to the correct year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received a voicemail on XX/XX/XXXX from a person named XXXX XXXX stating that there was a complaint notice that needs my immediate attention. I am to call XXXX and if there are any further attempts, they will contact my HR department at my employer. 

Upon receiving this message I called the number provided since I know I do not owe anyone past due debts. This was from an overdrawn checking account from XX/XX/XXXX which has been paid since then. XXXX is the representative that answered the phone and handled my phone call. The first time she hung up on me. Upon calling back she told me that there would be litigation and they are going to come after me. I informed her that this has been paid since XX/XX/XXXX and asked for a validation of the debt. She said they wouldn't provide it until court proceedings and I am not entitled to it until then. She then told me it was sent to their legal team after I repeatedly told her it has been paid. The company in question is XXXX and she would not give me the corporate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi, I initiate a debt management program with a company XXXX XXXX XXXX in order to reduce interests on my CC and reduce monthly payments in order to pay them in a best time manner, I set up the plan successfully with my other 3 CC but the Capital One CC was not accepted by the institution saying that I was already in an " internal program '' so the couldn't authorize to be handled by XXXX, I have a big interest rate of 22.24 % and 27.15 % in part of the debt. I called them and Capital One said that they don't remember in what internal program was subscribed, which I don't recall to enter any program, so there was nothing they could do. 
I'm asking you, the CFPB to step in and help me resolve this situation that all I want to do is pay my CC and not become delinquent on my responsibilities, please let me know if you need any additional information.

Company response to consumer: Closed with explanation