vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We opened an Amazon Prime Credit card through Chase Bank in XX/XX/2018 because of a promotion that would allow us to buy a couch worth {$1000.00} for about {$800.00}. We purchased that couch on XX/XX/2018 and it was shipped XX/XX/2018. The couch was paid for in one payment and we immediately called to cancel the card prior to XXXX. My wife and I had the understanding that Chase Bank received and processed the cancellation as we both distinctly remember receiving a couple of letters trying to get us back on board with using their credit card. 

Seven or eight months ago, my wife and I received a curious letter which appeared to be from Amazon Prime but did not have matching contact information nor did the logo appear to match prior statements that we had from them. We called to ask why we received a letter about owing some money, and we were told that our account was closed at the beginning of the year after we made our one time payment for a single purchase. I called Chase bank just to be absolutely sure, told them about the letter, and they told me the same thing to disregard this as spam. We did exactly that. 

A little over a week ago I received a letter from XXXX XXXX XXXXThat I had been sent to collections for {$350.00} because of a debt with Chase bank. I immediately called my branch and spoke with XXXX the XXXX XXXXXXXX, Who took the XXXX account number from the letter I had and said that this debt was real and in conjunction with Amazon Prime. She looked it up and said that that resulted from unpaid credit card fees, late payments fees, and interest. This is very concerning considering we have canceled the card at the beginning of the year after paying it off in one payment. XXXX said she was going to print out some statements for me to pick up at the bank branch later, and I have those statements now. 

An additional issue has begun today. I have started receiving phone calls from XXXX in XXXX Florida. There have been several calls to my phone from this number just this morning, and not one single voice message. I had my friend Who is well-versed in computer technology do a search on this number. According to XXXX, this number belongs to Chase Bank collections department. According to XXXX notes, people report receiving dozens of calls from this number a day, some have noted that it is an automated message from Chase bank. Personally I do not respond to an identified collars, or computers that call me, when there is no voice message left as an explanation. 

According to the statements, the only thing Chase Bank did after my request to cancel the Amazon Prime credit card, is open up a new one with a new account number without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: GA

Complaint narrative:
Experian is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX USDOE/XXXX  - XXXX USDOE/XXXX  - XXXX USDOE/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX  is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPT. OF EDUCATIO -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX - XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX

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 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MO

Complaint narrative:
I pay an overage of about {$27.00} per month, I have asked that the overage be applied to principal. Edfinancial uses XXXX that allows me to designate the additional principal payment. However, Edfianncial continues to apply payment to future payments. This is costing me additional interests every month. I have filed a complaint in the past and nothing was resolved. They continue to refuse the apply the additional payment to principal because it is a manual process for them? The additional cost in interested is effecting my financial and my ability to pay the loan off faster, ultimately making EdFinancial more money. My prior complaint id wasXXXX XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: LEXISNEXIS
State: NC

Complaint narrative:
I have been a victim of Identity Theft through a data breach at XXXX XXXX and XXXX XXXX in 2009. The items I have identified and notified Law Enforcement of on my credit report, do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score. The Accounts deemed fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Hello, I continue to receive repetitive calls Monday-Friday from about XXXX all day from this company attempting to collect a debt from me. I have made them aware I am more than willing to pay {$300.00} but that is all I owe to the original creditor XXXX. Their employee 's stole 4 cell phones from me and are trying to stick the bill on me. I will pay the {$300.00} fee that XXXX  wanted to charge originally for closing the account.

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 2019-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/2019, I applied for and was approved a Home Depot credit card. I made a purchase in the amount of {$130.00}. On XX/XX/2019 I received an account statement in the amount of {$160.00}. The breakdown was as follows : purchase {$130.00}, late fee {$29.00}. interest {$3.00}. I wrote a check on that date ( XX/XX/2019 ) in the amount of {$130.00} along with an explanation that this was the first statement I had received and that I had not received a prior statement for only {$130.00}. I requested the fee and interest be subtracted. 

Since that submission, i have receive several account statements for late fees and interest on the original purchase which have increased to a total of {$100.00}. 

My statement is that I did not receive an original statement for the purchase less fees and interest ; therefore, can not be expected to pay more that the amount of the original purchase.

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 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
On XX/XX/19 I had applied for a loan online, at XXXX XXXX, I received a text message from Ace Cash Express with a Loan Approval Code : XXXX and to call them to complete the loan process. I called them and they offered a loan of {$3000.00} with payments of {$94.00} a month for 36 months. They verified my personal information as well as my banking information. They also said they would email the loan documents so I could electronically sign them. On XX/XX/19 at XXXX, I received a text from them again saying I had to provide my online banking login information, my username and password to verify they were depositing the funds in the right account. I replied that information is private and I don't give out that information. They then said they were part of the XXXX, and they 4.5 star rating, and if I didn't provide the username and password I couldn't get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX XXXX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX Equifax is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX  - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX XXXX DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF  EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

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 2019-07-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

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 2019-07-24 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.

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 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Was informed by XXXX that the I C System account was verified and remaining on my report. I have not had any open accounts in over 11 years, and have never had an account with XXXX XXXX of any kind. This negative report has an open as of date of XX/XX/2019. This is not my account I have not open an account and more than 11 years. This account is not reported on any of my other credit reports. This account is not mine and should be removed from my credit report as false and untrue.

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 2019-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX my credit card was handed to the cashier at the XXXX XXXX  XXXX   XXXX restaurant drive in. The card was used without my permission for two additional transactions to XXXX*XXXX XXXX XXXX XXXX XXXX. The valid transaction was for {$9.00}. The charge for {$400.00} to XXXX XXXX XXXX XXXX XXXX was not authorized. The charge for {$390.00} to XXXX XXXX XXXX  XXXX XXXX was not authorized. 
I received a text on my phone from Capital One asking me if the two large transactions were valid. I told them NO, that I did not authorize the transaction for {$400.00} or the one for {$390.00}. Capital One credited my card for both transactions on XX/XX/XXXX. Then on XX/XX/XXXX, Capital One rebilled my account for these amounts. They said because the chip was read, the charge was valid. The 'fraud investigator ' said there is nothing they can do, I should go to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
I purchased a prepaid debit card for {$100.00} from a grocery store a few months ago. The card was issued by US Bank. I made a purchase from a restaurant that was well below the {$100.00} limit on the card, {$56.00}. However, the bank approved the transaction for {$140.00}. Which made my balance negative, which makes no sense since this is a prepaid card without overdraft protection. 

I called U.S. Bank at the phone number they provided for disputing transactions. I informed the representative that I needed to dispute the amount of the transaction. She asked me if I had contacted the merchant first. I responded no. She said that I have to first dispute the transaction with the merchant. I replied that is contradictory to the disclosure provided to me by U.S. Bank which states that I should contact the bank in the event of an error with a transaction. The representative put me on hold while she spoke with a manager. She came back and said that her manager stated that I must first contact the merchant before I contact the bank with my dispute. I asked to speak with the manager and I went over this again and again. After almost an hour long process, the manager finally said so you would to go ahead and file a dispute? I said yes that is what I have telling you from the beginning. Then he transferred me to another department to finally file my dispute. 

U.S. Bank is not following their own disclosures or the law. They are attempting to turn as many people away as possible from filing disputes with them. Had I not been so persistent, I would not have been allowed to file my dispute. 

On XX/XX/2019, I received a letter from U S. Bank that they had provisionally credited my account in the amount of {$140.00}. The letter stated " You will have full use of these funds while we complete our investigation. '' I tried to use my card later that week and it was declined. I called U.S. Bank and they said that it was declined because my card was " deactivated '' due to the disputed transaction. I asked then if I could get a new card so I could " have full use '' of my funds. The representative stated that she could send me a card, but there was normally a fee of {$5.00} for a new card. However, she said she could waive the fee in my case. I received the card recently. However, the bank charged me {$5.00} for the new card. So essentially to " have full use '' of my funds I have to pay U.S. Bank another {$5.00}, which was NOT mentioned in their letter to me regarding the provisional credit.

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I disputed the Diversified Consultants account # XXXX with all 3 bureaus. Diversified Consultants verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to Diversified Consultants via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to Diversified Consultants. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.

Company response to consumer: Closed with explanation