vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 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:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and XXXXollectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the XXXX BREACH.

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 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I reported my card lost on XX/XX/17 and Chase Ink said they would close the account and send me a new one. However, they did not block charges on the old account, but continued to accept charges on the new account. I disputed the charges posted after I reported the card lost. The charges posted to the new account should never have been reported as fraud. They should have been blocked. 

No one should be responsible for paying charges after a card is reported as lost, and merchants who try to post charges to a card that has been reported as lost should not be charged with fraud. This company 's customer service department says that it can not do anything except report fraud. This leaves both the credit card holder and the companies with which she or he does business at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Repeated phone calls to my employer after he was asked not to call anymore. I have records of every phone call to the office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.

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 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase charged me an overdraft fee of {$34.00} even though I have contacted them to opt out of Overdraft protection multiple times. They refused to refund an overdraft free for a payment that should have never been processed because there were not enough funds in the account to cover the payment. When I contact chase to request a refund, they stated that because the account is a reaccuring payment by XXXX for XXXX $ even though there was only {$20.00} in the account. I asked the rep to look back on my account because this was not a reaccuring payment. The rep refused. Chase goes around the overdraft opt out by allowing these charges to go through. Ive never had this issue with any other bank that allows your account to be charged regardless if it was a reaccuring charge or not. Ive brought my account current and am going to close my account but I am still requesting a refund of the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reports a public record of chapter XXXX petition in which there is no plaintiff, no liability and no status.

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 2018-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I filed Bankruptcy in XX/XX/XXXX, at the time my student loan with THECB was in forebearance. Upon the filing of my bankruptcy my loan was continued into another bankruptcy. I had not had any correspondence with THECB since XXXX   of XXXX. Towards the end of XX/XX/XXXX a representative from THECB contacted me in regards to my account being past due. I advised her that I had no knowledge of this information and would like to request for my loans to be put into forbearance or Income Based Repayment plan because I was not employed and on government assistance. The agent then stated she was willing to submit my request. After about two weeks, now XX/XX/XXXX I received another call from a gentleman with THECB requesting me to pay my balance. I did advise him that my loans should have been in forbearance due to the previous conversation I had with the last representative. He informed me that the last representative did not actually put me in forbearance and that I was misinformed, I would have to fill out a general postponement form for that. The following week I faxed XXXX the general postponement form. I did not hear from anyone else after this so I contacted them again XX/XX/XXXX requesting more information on my forbearance the representative stated they had not processed my request and to check back with them in the next week or so. I contacted XXXX on XX/XX/XXXX after I received a letter stating my forbearance request was denied. I asked them why they denied it and they said my loan was in default. After continuous attempts of communicating with XXXX over a three month period not one single representative told me my loans were in default nor approaching default. I wrote a letter to XXXX dated XX/XX/XXXX to their executive management team requesting them to remove my account out of default because I had been communicating and trying to resolve the past due loan with a payment plan or forbearance that could work for me since I was unemployed. The letter I received back from XXXX was to contact the credit burearus for any disputes. I was not disputing anything but simply trying to get my loans in a proper repayment plan. I contacted XXXX again XX/XX/XXXX and still received no assistance from this company only a request to pay them over {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: ID

Complaint narrative:
I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. 

On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. 

This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. 

Thank you for reviewing this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Fidelity LP
State: VA

Complaint narrative:
A business called XXXX XXXX XXXX XXXX sent me to a collection Agency named XXXX XXXX XXXX Director XXXX XXXX.They dont pay attention at my letters.The bought items were a fraud a fake.Send them back to company.Look different than the pics.I returned them after 30 Days asking for a refund.Nothing was done! Nothing.Now they are killing my credit reports.We are in Chapter XXXX paying all our bills on time.This is negligency on the collection Agency .This must be fiscalizar and STOP. Is a fraud.Please help me stop their reporting to the credit Agencies.This is wrongdoing.Due to the lack of sales we filed chapter XXXX and we r working 24/7 to get off our debts and start our business.Please stop fraud.Thank you so much.Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX added a 30 day late negative to my credit report. However, on XX/XX/XXXX I did an overpayment to XXXX of {$140.00} as I frequently added extra money to the account because i shopped there frequently. XXXX refuses to acknowledge where the money went. It shows it was paid and my bank does almost all payments electronically and the account number hasnt changed. However, this payment cant be found by XXXX. While I want the {$140.00} back, I am even more irate about the 30 day late they put on my account. The representative told me that " this is accurate and can not be changed '' even tho I told her I paid and can provide them my bank statement. 

On the attachment of my bank statement, if you look at XX/XX/XXXX you will see the XXXX   payment. I used the same payment method for the last 5 years to pay it. 

They refuse to acknowledge a technical issue on their end and refuse to assist me. I tried to call twice and both times the representative told me I had no recourse even though this is an obvious error. I asked them why, after 5 years of higher balances always paid off on time, would i short XXXX for a payment at a random time. It makes no sense and XXXX doesn't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Officer, Fifth Third Bank offered me a XXXX credit card with a 12 billing cycles promotional rate of 0.00 %. I accepted the offer and a balance was transferred on XX/XX/XXXX for a fee of 4.00 % of the amount ( not a subject of dispute ), which appeared on the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which could be interpreted as the first billing cycle. On the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which based on the above-referenced interpretation and the best-case for Fifth Third Bank would be the 12th billing cycle ) I am already being charged interest at a nominal of rate of 1.6229 % ( which if compounded annually is approximately 21.3 %, the statement quotes an Annual Percentage Rate of 19.74 % ). I believe that 12 billing cycle free interest charge means that the 12th cycle is also free of interest charge. I called customer services but they said I'm incorrect on my interpretation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For two days, I have been trying to upload requested documentation to place a security freeze on my credit report through Experian after my identity was stolen. The website continues to say that it is unable to upload documents ( despite that there are only three documents and clock in at under 1 MB collectively ) and I need to mail them in ... which not only will significantly delay the application of the freeze, but will also subject me to additional security issues since what I need to submit is sensitive information that, if stolen, could lead to additional identity theft. I've also tried to call two different numbers over the past two days and can never get a live person. I end up in an automated voiced loop that does not provide any assistance. I placed a freeze with the other two credit bureaus with no problems, dealing with both online as well as talking to someone live.

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 2018-03-20 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The debt was sold to a collection agency, portfolio recovery, that I do not have a contract with. I have disputed the debt numerous times and still they attempt to collect from me. I am asking this be removed from all 3 credit bureaus and my credit file be updated as such

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received an automated message ( XXXX ) from XXXX XXXX XXXX for XXXX XXXX asking him to call XXXX and reference Acct # XXXX with zip code XXXX. 

We tried to reach out to the company to have them stop calling us but the calls could not go through

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this account 4 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. ACC # 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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX,  and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA. 

However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.

Company response to consumer: Closed with explanation