vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have reached out to JPM Chase via certified letter to rectify errors and discrepancies being reported on my personal credit report that JPM Chase is reporting. On XX/XX/XXXX, a letter certified letter was sent to JPM formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from JPM Chase, however as when I pulled my personal credit, on the 31st  day from when JPM Chase received my certified letter. The company failed to DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. JPM Chase is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for onXX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified JPM Chase of this federal law violation in XX/XX/XXXX, which the address that was furnished to me on my credit report reflects, however that letter was returned to me as an unknown address. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow JPM Chase to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, JPM Chase MUST NOW remove the items. JPM Chase then responded on XX/XX/XXXXwith a letter agreeing that the information is inaccurate and will now go ahead and send the information to the Credit Bureaus. This is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IN

Complaint narrative:
XXXX XXXX XXXX Bought a debt from XXXX, so the original creditor was payed for the amount the bill actually was, which was back in XX/XX/XXXX, XXXX XXXX XXXX bought the debt in XX/XX/XXXX and it was placed on my credit report as a recent collections debt. I tried to file a dispute with the credit agency and they refused to remove it from the credit report. I requested the original contract from the original debtor and it says that XXXX was Paid, So it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Hello, I paid XXXX XXXX  a total of {$290.00} on my XXXX  credit card onXX/XX/XXXX {$99.00}, XX/XX/XXXX {$99.00} andXX/XX/XXXX {$99.00}. I noticed that no progress was being made regarding to the services said company promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Initiated the application process for a Wells Fargo credit card but did not complete the application process. I did not agree to the terms and conditions which were presented during the application process. When presented with the terms and conditions agreement page I closed out of the application.

Even though I did not agree or authorize an account to be created in my name I received a credit card approximately two weeks after initiating the application process. A balance transfer was made to another credit account which had a zero balance. This resulted in a balance transfer fee of {$270.00}. The initial balance of {$9000.00} was refunded to Wells Fargo. However, after multiple attempts at resolution I am still encountering resistance from the XXXX XXXX XXXX XXXX XXXX  on canceling that balance transfer fee and closing the account which was never authorized.

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 2018-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

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 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has an account # XXXX stating that I owe XXXX   from 2012. XXXX another account # XXXX  reporting a XXXX balance These account was fraudulently acquired in my name de to identity theft. This account doesn't belong to me. This company has judgements in XXXX County Court System under my name that is negatively affecting me form acquiring a mortgage loan. I need this to be removed asap so that I can close on my property. I have also filed an identity theft report for the 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX, I had bought {$5000.00} American Express XXXX 's check from my bank XXXX XXXX, because, I was traveling. Unfortunately, the checks were stolen by my shipper, who never shipped all my goods as well. In fact of this, I called American Express to report my checks stolen, hoping for a quick replacement of the check. As is the polices of American Express, but, it was not the case. Because, American Express " needed my blood, '' literately. Anyway, I had done every thing possible that American Express needed from me, e.g. police report, etc., including my bank 's involvement to get my checks for me, so that I could travel. 

somehow, American Express never replaced my checks, after months in XX/XX/XXXX, instead, I got a letter that American Express do not believe that my checks were stolen. Yet, this company placed a stop payment on the checks, and did not replace the check which I needed to use. As a result, I traveled without my checks, consequently, I suffered and went through extreme hardship on account of American Express action. 

Please I want this office to make American Express replace my checks as soon as possible. Because, {$5000.00} is a lot of money that this company is trying to covet, or withheld from me, since, XX/XX/XXXX. This is my money ; I did not borrow, nor, stole any money from this company. 

However, recently, I had sent copies of the police report from XX/XX/XXXX, other documents, letters as I was told to do, as well instructions of where to send my checks, or money. Again, I beg this office to help get my checks, or money {$5000.00} is a lot for me. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: NJ

Complaint narrative:
I have opened a money market account and a realtionship checking account with them and the promotion code is XXXX XXXX- Promotion, XX/XX/XXXX, XXXX {$300.00}. where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me. 

Go to the website, even now it is clear they still run this promo period to period. The requirement is exact the same. They just cheat with customer and tried to get our money, I am disappointed about commerce bank credit -- could not keep the word as they said on flyer. 
https : //www.commercebank.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.

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 2018-03-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Attn : Complaint Department I have recently pulled my Experian credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history. 

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors. 

XXXX XXXX XXXX Account # XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 



Thank you for your cooperation, 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 non-monetary relief
Consumer complaint received 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2017, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. 

American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. 

Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit  my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. 

Please also look for accounts under my maiden name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.

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 2018-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
This morning my wife received an unknown call from XXXX. She ignored it but then received a call from her brother. Her brother stated that a student debt collection agency had called him and his wife ( my wife 's sister-in-law ) from the same number she had ignored. This happened within a two minute period. They were all trying to get a hold of me and stated that it was an urgent matter and needed to get a hold of me right away. 

I called the number back on my phone. They stated that I had given them all three of their numbers as permission to call them. This is not true at all and a form of harassment. I have no idea how they were able to research and obtain my brother and sister in laws phone numbers. I don't even have my brother and sister in law 's phone number. 

What makes matter worse is that they were trying to get information about me from both my brother and law and sister in law. When they refused to provide information, they kept asking questions about me. 

When I was on the phone with them, they admitted that they already had my phone number and home address. I complained to two people, XXXX XXXX and XXXX stating that from this point on, they could only reach me and to never harass my wife, brother and sister in law in regards to anything about me and my account with them.

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 2018-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 

Federal Trade Commission Number XXXX

Company response to consumer: Closed with explanation