vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted a complaint last week against American Express Bluebird ( #  XXXX ) for a {$50.00} payment I made to my XXXX XXXX credit card on XX/XX/2020 that was never received and never returned to me and realized upon evaluating my account that there is SECOND payment of {$45.00} that I also attempted to make to my XXXX XXXX from my Bluebird account that was also never received by XXXX XXXX and never returned to my Bluebird account. So that is actually a total of {$95.00} missing from my account. Both payments on my account say " processing '' and they continue trying to " process '' these two payments even though I called Bluebird Customer Service to inform them that my XXXX XXXX Credit Card # changed due to fraud and I was assigned a new credit card #. They refused to update the credit card number, they refused to let me set up a new bill pay to this account with the correct credit card information and they refused to refund these 2 payments that have clearly been in limbo for months. Calling customer service is near impossible as it takes over an hour for someone to answer and once they do, they refuse to resolve a simple issue. I've submitted all the dispute forms they asked for and I can't even close this account until I get my money back. I need someone to help expedite this as I'm not getting anywhere with this terrible company. ( attached is my dispute form I sent to them )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc.
State: VA

Complaint narrative:
I receive several calls regularly from XXXX stating they are calling from Receivables Outsourcing LLC. The message states that it is a communication from a debt collector and to call XXXX. I have no knowledge of this company and I should not be able to be contacted via phone per an identity theft investigation. 

They have called a total of 8 times in XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX LVNVFUNDG XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on  applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank initiated an account closure of my checking account on XX/XX/XXXX, but they did not provide an adverse action notice and have not given me any specific reasons for the account closure whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
ALL FTC VIOLATIONS ENCLOSED The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : MortgagesXXXX XXXX, XXXX XX/XX/XXXX - ... stop collections on an additional XXXX accounts to settle the FTC 's charges that the company violated the FTC Act. XXXX will pay another {$2.00} ...

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020, I opened a billing dispute with my credit card company regarding a merchant that had not refunded by account for a return, despite several attempts by me to facilitate the processing of the refund. This is a high value item ( {$1700.00}, transaction date XX/XX/2020 ), and given the difficult economic conditions we all find ourselves in, I had serious concerns about the status of this refund, and whether I would ever receive it. 

I have provided ample evidence that the item was received by the merchant ( which I will submit again here ), yet the merchant continues to refuse to provide a credit in a timely fashion, only giving assurances about a forthcoming refund that to date has not occurred. 

For this reason, as said, I opened the billing dispute with American Express and advised them of this situation in some detail. I further provided the return tracking information ( attached here as well, item received on XX/XX/2020 ), as well as the company 's own several confirmations ( also attached here ) that the item was properly received and that a credit was forthcoming. 

However, despite the clear preponderance, in fact, mountain of evidence in my favor, AmEx refuses to issue a provisional credit for this amount, which, in my view, suggests a clear bias in favor off the merchant during this investigation. In the absence of any documentation from the merchant justifying their failure to issue a timely credit, there is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times. 

I can only assume this decision is because of a commercial relationship AmEx has with the merchant, that AmEx has taken this stance. While I understand that a provisional credit is not permanent, any fair-minded reviewer of the evidence to date must agree that I have well-established my case. I do not believe AmEx therefore is acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ), and therefore I am fearful of the eventual final outcome as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
PHOENIX FINANCIAL COLLECTION AGENCY CONTINUE TO VIOLATE " HIPAA '' / MEDICAL PRIVACY ACT, " FDCPA/ FCBA '' WITH REPORTING OUTDATED MEDICAL ACCOUNT XX/XX/XXXX ( 3X ) ON ALL CREDIT FILE " NOT MINE '' / NEVER DONE BUSINESS WITH MEDICAL PROVIDER. ..NOTE : COMPANY CONTINUE HARASSMENT CALLS/ AND MAIL NOTICES OF ACCOUNT NOT COLLECTIBLE, ID FRAUD ACCOUNT AND FORMAL COMPLIANT FILED WITH BBB AND FTC FOR UNFAIR PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
U.S. Bank is claiming mortgage is in default, but all payments were made timely and accurately. U.S. Bank, without notice, increased the amount of escrow by {$52.00} for XX/XX/2020. After U.S. Bank processed my automatic payment for XXXX, I received a call from a U.S. Bank representative stating that I owed {$52.00} plus {$150.00} late fee. In addition, the representative, even though U.S. Bank had received and processed the XXXX payment, informed me that U.S. Bank had declared my mortgage in default. 

On XX/XX/2020, I sent a letter to U.S. Bank identifying its failures and requesting remediation. On XX/XX/2020, I received a letter dated XX/XX/XXXX, declaring my mortgage in default.

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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: MI

Complaint narrative:
I have spoken to 3 people about this problem. 
The debt is not mine they even admitted it was a mistake from their part but no action has been done to remove it from my credit report. 
Im in the process of buying a car and this affects me. 
Thanks

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, a service of XXXX XXXX reported a 67 point decrease in my credit. 
In the report was an amount matching medical services I received months before. 
I made contact with the hospital and I was assured the hospital ( XXXX  ) does not report to credit agencies but the numbers were exact, what was reported and what I owe the hospital. I don't use insurance so they ran self pay and we had an agreement. 

next visit to the credit wise site and the derogatory explanation was gone but the credit score was still 67 points lower. 

Please help me restore my past and correct 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 non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TriVerity, Inc.
State: TX

Complaint narrative:
I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending  payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. 

When I called the number the receptionist answered the phone CU Recovery. 

They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. 

This was intentional. 

Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. 

This was done to intimidate and humiliate me. 

When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. 

I had to contact the credit union that stated it was CU Recovery that  had my account and on hearing what this company was doing.. the  credit union pulled my account from them and it's back with the credit union . 

I filed other complaints with the XXXX  about their tactics and CU Recovery LIED to the XXXX  and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. 

The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA COLLECTS & has destroyed my Credit. See attatched. CREDIT CARD FRAUD CLAIM {$470.00}. 1 ) USAA HAS NOT PROVIDED PERMANET CREDITS {$470.00} ( 2 ) TWO YEARS LATE. ** Kindly Note Complaint is ALSO 2 ) USAA JUST PROVIDED FRAUD CREDITS FOR XX/XX/XXXX {$460.00} ON XX/XX/XXXX. TWO YEARS??? ** AFTER DESTROYING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an inquiry from XXXX XXXX XXXX but I never applied for XXXX XXXX ... I have a XXXX account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to TransUnion because TU does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : 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