vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and Same XXXX  XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with XXXX  XXXX XXXX they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and XXXX XXXX XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with Bank of America they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.

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 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B OF A unjust close my checking account and never refunded me XXXX that was in that account. I want my money

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 2019-09-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
Thier. Is a account on my credit file that is not mine it is U.S.A..A. Saving account not mine told XXXX. To remove it. and i have sent in a police Report saying that it is not mine. It was removed from XXXX. And XXXX.. so XXXX wants to play around with me like they don't understand. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I had a Chase debit card need to renew in XX/XX/XXXX this year. But I did not received an information from Chase before I contact Chase. They did not inform me that a new card sent to me or mail the new debit to me directly. I had to contact to Chase by phone on XX/XX/XXXX for asking for renew card, they said the new should be arrived within one week. After contacted them, I also got a email confirmation that the new debit card would be sent out on XX/XX/XXXX, but I did not received the new card before XX/XX/XXXX, I called them again Chase customer service said they just sent the new card out, I should received it next week. But I did not received it in next week. I had to contact them again by secure message through Chase bank system on XX/XX/XXXX and XX/XX/XXXX, but no one answer me. Today is XX/XX/XXXX, I still do not received my new debit card or received any information from Chase. That means I have Chase account, but I do not have Chase debit card, how can I do deposit on Chase ATM? I only have to go to Chase field branch 's counter to do this. I think this is bad experience with Chase service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
I have been grossly fraudulently misrepresented, mislead, bamboozled, in addition to having my identity, and social security number compromised by Finance of America, it's mortgage broker representative ( XXXX XXXX ), and his assistant ( XXXX XXXX )!!! 

I applied for a mortgage refinance on XX/XX/XXXX with Finance of America ... documentation requested, and provided included the attached documents : Copy of my driver 's license/social security card ... 1 month paystub ... XX/XX/XXXX tax returns ... XX/XX/XXXX tax extension ... XX/XX/XXXX/XX/XX/XXXX W2 's ... property mortgage statement ... rental agreement. 

I have even consented to providing the opportunity to Finance of America, and it's representatives to right the wrong that has been performed, and they still continue to fumble, and stumble, and continue to have done NOTHING but exhibit a fraudulent negligent ineptness which is still to this day taking place with XXXX XXXX stalling, and not being able to fulfill the task responsibility of getting the loan process properly completed, and closed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I don't know whether this kind of complaint is appropriate here ; it seems to come under the false-advertising category. Equifax advertises, and has sent me emails regarding, a service called " myEquifax '' that is supposed to make it more convenient to get credit reports, lift security freezes, etc. But there is no way to use the service ; I've been trying for months to login to the service, with multiple calls to their customer service, with no success. I realize that I can get the annual report via XXXX, and accomplish other actions via phone calls, but I don't feel Equifax should promote a product that doesn't work ; this results in a waste of valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to dispute a charge for the amount of {$1600.00} made from my bank of America account on XX/XX/19. I never received the services from the merchant so I requested a refund I never got a response from the merchant on my many attempts. I started a dispute with my Bank. During the process, my bank never kept me updated and I had to keep calling weeks after weeks to get updates. My bank finally told me that they were not going to dispute the charge because the merchant already has the money and can't get it back. I've worked hard for my money and feel as though my bank gave me a XXXX poor effort and response to retrieve whats legally mines.

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 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I have realized that my credit dropped 55points from a derogatory mark from Radius Global Solutions for {$210.00} bill payment for XXXX. I had no idea what I was owing to the company. 

I had few months of internet services last year but I found out that my apartment building doesn't have good service with XXXX. I complaint the service problems and they gave me free of charge for the months of services I had to pay. Then I returned the modem. XXXX never billed me anything after that. Then I found out about this through XXXX XXXX that the credit collection agency put the derogatory mark on my credits. I take care of my credit reports and take it very seriously. I try to keep my scores over 800. 

I called XXXX and after talking to them for 2 hours with 5 different departments, they told me that they had a mistake to put charge on modem which I returned. Then they said I still owe {$110.00} for service fees which supposed to be free of charge since I didn't have any good services. 

I still need to call their financial department but I can never get the representative. I run multiple companies and travel a lot internationally. I really need help to solve this issue so that I can have my credit back to 800 level. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: NY

Complaint narrative:
I have called Citibank Fraud Dept. on XX/XX/19 to report the fraudulent charge when they were just pending ( 4 charges ). 3 charged were reversed. Charge of {$92.00} is not reversed and payment is due XX/XX/2019. 
Called again on XX/XX/19, told they would take care of it, This representative called the vendor in a 3 way call who confirmed I did not make the charge and it was not my address for shipment. ( Shipment was stopped before delivery ) Still not reversed. 
Went into bank on XX/XX/19 and told must call and speak to a Supervisor. Called for the 1st time on XX/XX/19 ( 46.51 minute call ) spoke with a Supervisor who did absolutely nothing to help and transferred me to a Dept. who said they would " look into it ''.

Called a second time on XX/XX/19 and spoke to another Supervisor who again said she would have it taken care of.

After 4 phone calls, a visit to the bank, a conversation for seller, and over 1 month later I am still charged for the {$92.00}.

This amount was charged to a Visa Credit Card that Citibank closed in XX/XX/2019 as they no longer offer Visa cards.

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 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
I have never heard of this company until XXXX XXXX yesterday when I received my first voicemail on my personal cell phone from them. Then voicemail said they were from a law office attempting to collect a debt. I can not take personal calls at work, so I decided I would call them when I got off work to see what they wanted. 
They called my place of employment ( where I have only been working for 3 days ) and informed myself colleagues they were trying to collect a debt from me. The caller asked me for my social security number and my date of birth. I told them I would not be giving that over the phone, and that it is not ok to be calling my place of employment and I demanded that they stop and I hung up the phone. 
They called back immediately after I hung up on them and demanded to speak with my boss, and my boss boss about this. That is absurd and I informed them that they would not be getting through to my boss and to stop these calls to my work number, and I hung up on them again. 
They called my work a third time, and spoke with another one of my colleagues asking for my SSN and DOB and asking for my boss phone number. My colleague of course did not give it to them and hung up. 
The caller then somehow found my boss number and left him a voicemail. 
The caller ALSO called my sister and informed her that he was trying to collect a debt and asked how I can be reached. 
All of this occurred within a 45 minute period, and I have never hear of this company until XXXX XXXX yesterday. 
They refuse to tell me what kind of debt they want to collect, or from whom, until I give them my ssn and dob, and they have repeatedly called my place of employment, advertising to colleagues that I have known for 3 days total that they are trying to collect debt from me, even after I demanded that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am complaining about the collection agency, HRRG. Unfortunatley, I did not forsee this problem and don't have a list of dates. However, it started in around XX/XX/2019 with mail correspondence. I called and explained that I had been unemployed and seeking work for some time and could not possibly pay the bill. I could not make payments, I am not shirking my responsibility, but I simply am barely surviving right now. HRRG then proceeded to bombard me with mail. Quickly they moved on to daily collection calls, sometimes twice a day. The calls have been going on since at least XX/XX/XXXX. I don't know what to do. I would love to find a job and pay the thing. Anyone need a bookkeeper?

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/XXXX a letter went out asking for my free credit report. Called on XX/XX/XXXX, I was told it was mailed XX/XX/XXXX. I asked about it - I was told another one would be mailed out. Where are they? I even called to put in my current address as a consumer comment so they would have it correct since they refused to put it in in the address field. 

Transunion simply refuses to mail me a free credit report as provided by federal law. 
XXXX and XXXX has both complied with the law, why can't transunion?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems knowingly lied to the credit bureau about re-aging a collection adding three years to what I still do not now is a valid debt.

I submitted a dispute via XXXX and Jefferson lied and said it met FCRA rules considering I haven't had the account in 5 years -- ans had a current account with XXXX until I switched providers last month can't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
Do not understand how you can be charged something and you never receive the service

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 2019-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I have repeatedly told the people calling that they are calling me after XXXX XXXX CDT. I get calls repeatedly all day long after I have spoke with another representative to make arrangements. I am now being called late at night on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX CDT.  This company threatens and bullies during phone calls.

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 2019-09-26 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: ERC
State: UT

Complaint narrative:
XXXX XXXX XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX   which is a major violation under the FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Contacted the XXXX police department on XX/XX/2010. Spoke with former detective on the case of identity and fraud on Police report - # XXXX. I was notified PRA has never contacted them to retrieve police report in regards to the fraud on account ending XXXX. Yet PRA, continues to report this fraudulent debt anyways on my credit reports willfully and with negligence. It their responsibility to retrieve the police report directly from the XXXX police department. They are reporting this debt any ways to the credit reporting agencies. I have filed numerous complaints for them to cease reporting all debts in my name and obtain the police reports and yet they continue to violate the FCRA anyways freely. So I continue to report these violations to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I took out a {$400.00} loan on XX/XX/2019. I started paying them back in XXXX, and have been paying XXXX bi weekly since. I have paid this company almost {$700.00} and they are claiming tribal immunity, also saying my balance is still XXXX. How is that even possible. I have also added my name to a class action investigation where the company is being investigated for fraudulent use of claiming to be a tribal owned company. I have lodged a complaint with the XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XX/XX/2019 : Tried to transfer American Express Membership Rewards points from my account to XXXX XXXX, a transfer partner. Attempt failed with this message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

XX/XX/2019 Called American Express customer service, explained, then was transferred to another representative who told me no idea why this happened, no idea how long rewards would be frozen, no plan of what would occur next.

Company response to consumer: Closed with non-monetary relief