vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company in XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my current California Drivers License for verification.

Please Note : I have 2 home ( mailing ) addresses. One address is reflected on the top left corner of this letter. My other address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My drivers license has my XXXX XXXX address on it. My credit report reflects both my addresses. 
Thank you in advance. 
Very Respectfully, XXXX XXXX ( 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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: NC

Complaint narrative:
I had know ideal I had this account with XXXX XXXX  Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Today, XX/XX/XXXX, and last six months I am faced with a " One-Time Payment Fee '' although I am well within my contracted grace period in which I should be charged NO Late-related FEE. 

Yet this company 's web site applies a " One-Time Payment Fee '' depending on lateness, per schedule below. 

This feels to be a violation of my contract and fee-gouging. They explain their processor charges them and passes the fee along. I countered that they can ( 1 ) switch payment processors ; or ( 2 )  absorb this unnecessary, unreasonable fee. 

Note I have NO ALTERNATIVE to paying within my grace period. No branch to visit. And via phone there is a phone convenience fee of {$15.00} XXXX XXXX XXXX XXXX XXXX One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00}

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 7 mos ) - This is not accurate ; I've never used XXXX before in my life. This needs to be immediately removed from my credit report before I take appropriate action and exercise my rights in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLD NATIONAL BANCORP
State: AZ

Complaint narrative:
To whom it concern : we feel harrassed by Old National Bank. We had a personal loan for a business with XXXXXXXX XXXX, whom was bought out by Old National Bank. We assumed we would continue with our payment on this loan. They are now calling in the entire amount of the loan, which is around {$40000.00}. They want payment by XX/XX/2018 in addition a penalty of over {$1800.00}. We are seniors on fixed incomes. 
Were requesting a payment plan as we had initially. We anxiously look forward to a reasonable response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX We have made many efforts to pay this loan, including a line of equity based on the home but it fell apart when we had to replace a furnace. We can not do this again in time for XX/XX/2018. Please assist us. I do have an XXXX credit score. No other outstanding bills or loans or credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bushwood Capital Group, Inc.
State: PA

Complaint narrative:
Repeated phone calls at my place of employment to collect a debt that was already paid. When transferred to voicemail they do not leave a message and will just call back until I eventually take their call. 
Bushwood Captial Group First it was XXXX. Now it is someone named XXXX ( XXXX ). 
The debt was already paid to the original creditor - XXXX XXXX XXXX {$190.00} However, they still continue to call and harass me at my place of employment. 
This time XXXX said they are taking legal action to sue me. 
I have already supplied them with the receipt of the original creditor XXXX   XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-07-06 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: SC

Complaint narrative:
I WAS CHARGED ON XX/XX/12 FROM A XXXX XXXXXXXX FOR XXXX ON MY CITI MASTER CARD, AND ALSO CHARGED ON XX/XX/12 FROM XXXX XXXX FOR XXXX ON MY CITI MASTER CARD  OLD CARD # XXXX. I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPANIES AT ALL AND I NEVER AUTHORIZED ANY OF THESE CHARGES AT ALL. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND THIS IS SENIOR ABUSE PLEASE HELP ME GET MY MONEY BACK.

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: CT

Complaint narrative:
I am the mother of the patient, XXXX XXXX. He received services at the XXXX XXXX XXXXXXXX and never received the bill because the wrong address was used. The Collection Agency, Bull City Financial Solutions at XXXX XXXX XXXX, NC Tel XXXX was incredibly rude to me and tried to tell me that payments I made were not made to them and were paid instead to the XXXX XXXX XXXX XXXX XXXX, which they were not. I tried to get the bill from them to ascertain whether they were billing accurately, but they refused to give it to me. XXXX was the agent and she kept telling me to pay the bill and would not answer my requests for information. The name of the person I was speaking to was XXXX, and she just kept getting ruder throughout the call. So I asked for a supervisor. She tried to pass me off to a friend, but I insisted on a supervisor. She said they were not there and said they would call me back. They never did. I called and tried to talk to the supervisor again, and again the person who answered was incredibly rude. I finally got through to a supervisor ( XXXX ) who told me she never got a message to call and said the record showed I was sent to a supervisor voice mail, which never happened. I then tried to get her to give me the information, but she refused citing HIPPA. I am an attorney and had my son the patient on the phone giving permission to give my records. She kept interrupting me and was incredibly rude and would not give me the information. I had already made payments which were not reflected and they changed the story so many times through the two calls that I can not get them to give me any accurate information. She was so incredibly rude and finally disconnected the call when I insisted on getting the information to show that the amounts were owed and to show the payments made. They are attempting to collect amounts not owed and are refusing to recognize payments that were made. Please help me hold these people accountable for their horrible treatment. I have never refused to pay a bill but I am owed the courtesy of knowing what the charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My HSBC personal account and business account has been hacked since XX/XX/XXXX. I notied today. There were several transactions to transfer fund from my accounts to unknow accounts. I called HSBC security dept. I was told that someone login from New York to do the transactions. I am currently in XXXX. I have not login my account for almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have receive calls from XXXX XXXX ( XXXX XXXX credit card ) from blocked numbers, as well as their listed number. I answered the blocked call today ( XX/XX/XXXX ) and the representative confirmed they were from XXXX XXXX. Once I told them Ive received multiple calls, and that its harrassment, I was hung up on. Earlier this same morning I received 2 calls from their company ( XXXX ). I have no number for the blocked call, just that I answered and they stated the company name. On XX/XX/XXXX, I received 4 blocked numbers in a row, as well. This is the only company whos tried contacting me through calls, and I rarley get a voicemail not offing why they called. ( They called while writing this complaint. Heres when they called : XX/XX/XXXX I have no time for, my phone doesnt show it. I was called 4 times in a row from a blocked caller. 

XX/XX/XXXX I have received calls at XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX from the listed and blocked numbers. I tried speaking with a manager, and she continued to tell me they can call to collect. I let her know I know the fair debt act, and she continued with the same statement. I told her that its harrassing. She said they comply with the Fair Debt Act, and I let her know that if she complied, I wouldnt get 5 calls before XXXX. She continued to state she was in compliance and she wouldnt let me speak without her interrupting me so I can tell her what happened. I asked for my number to be taken off and I notified her Im filing Chapter XXXX Bankruptcy. She kept telling me that they are allowed to call and I told her the fair debt anusive practiced of calling during inconvenient hours and calling multiple times to harass or annoy. She said she as well would sum it a complaint and see why I was hung up on when I tried reporting said abusive practices. I 100 % feel like this is harassment to get me to pay the bill. My attorney advised me on XX/XX/XXXX that I needed to stop paying my bills because I am filing Chapter XXXX. She continued to say my phone number is in an automated list, and I let her know that it doesnt matter, that its against Federal debt practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I was involved in a accident which wasn't my fought. The Insurance company was responsibe for 100 % of the payment. I shouldnt have any dept on this particular account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Service
State: AL

Complaint narrative:
On XX/XX/2019, Alliance Collection Service Owner of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX, called someone OTHER THAN the actual person who owed the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I WAS CHARGED ON XX/XX/13 FROM A COMPANY CALLED XXXX XXXX XXXX   FOR XXXX ON MY CHASE CARD AND I NEVER AUTHORIZED THIS CHARGE AND NEVER DID BUSINESS WITH THIS COMPANY. I LIVE ON A FIXED INCOME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: IN

Complaint narrative:
As of XX/XX/2018 and XXXX XXXX XXXX, Experian, and XXXX   are still reporting the item on my credit history from XXXX XXXX. I am still suffering considerable economic harm. I demand they remove this item from my account immediately.

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I was treated at XXXX XXXX Hospital ( " ER '' ) as a result of a motor vehicle accident. I received a bill for {$1600.00}. On XX/XX/18, I paid {$1600.00} online to ER and received a receipt reflecting the same. On XX/XX/18, I received a letter from AMCOL Systems ( " Debt Collector '' ) attempting to collect {$1600.00} on behalf of ER. I contacted Debt Collector via telephone but was unable to speak with a live person. On XX/XX/18, I mailed a letter to ER and Debt Collector providing a copy of my bill, receipt stating the bill was paid in full on XX/XX/18, and a copy of the collection letter sent 37 days after my bill was paid in full. I also disputed the validity of the debt and requested debt verification under the FDCPA. No response was received. Yesterday, I received notification from my credit monitoring service that this account was formally " in collection '' on my credit report and three major FICO scores dropped 58, 50, and 40 points as a direct result. I have written proof of everything that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had an AMEX card since XX/XX/XXXX it is a Delta Sky miles card XXXX XXXX XXXX it has an expiry date of XX/XX/XXXX. This year American Express indicated that my card was being converted to a Gold Card against my will and would now have an annual fee of $ XXXX. The prorated fee for this 1/2 year was over {$50.00}. I had over XXXX miles on my prior skymiles card that XXXX, an AMEX representative, told me I was in danger of loosing if I didn't activate the new account. I had many of these miles for many years. I told XXXX it was extortion. She offered me another account that was free, however, she instructed me I had to activate the Sky Miles Card or I would lose the miles. I made a complaint number : XXXX with XXXX. I called AMEX on XX/XX/XXXX because of an email sent on XX/XX/XXXX at XXXX XXXX from AMEX indicating that I would have to CONFIRM receiving the new card " to avoid an interruptions when using your card. '' My old card had an expiry of XX/XX/XXXX. I don't know why I can't continue to use that until it expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: MI

Complaint narrative:
{$520.00} unauthorized charge from XXXX XXXX ( for the 3rd time ) appeared on cc XX/XX/XXXX, and was immediately disputed. Original charge ( {$500.00} ) disputed on XX/XX/XXXX and a 2nd one ( {$510.00} ) on XX/XX/XXXX. Both first and second charges finally resolved and a credit given. The third charge was disputed immediately, and I have worked over 50 hours to resolve with Citi Bank. I have mailed letters, spoken on the phone and worked tirelessly since XX/XX/XXXXtrying to get a permanent credit on this issue. No charge was authorized, no mdse received. I have had 56 separate touch-points with merchant and cc company to resolve ongoing issue.

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 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: NM

Complaint narrative:
I started a complaint with XXXX XXXX due to somebody stealing my money twice now the first time that it happened they were very quick about it but now that it happened again it is taking longer I don't know what's the difference that it was quicker the first time and not the second time but somebody has stolen my XX/XX/XXXX social security check of XXXX and I want it back now either XXXX XXXX can handle this or something because it happened out of state in XXXX and I live in XXXX XXXX XXXX, XXXX XXXX. how am I going to get from XXXX XXXX XXXX to XXXX just to use the ATM and pull out my own money I just don't understand I want this issue solved.. now they haven't done it again thank God but the fraud and identity theft thing has got to go people should just get a job and leave other people 's money alone and stop stealing they should do like in the old times and have their hands cut off.

Company response to consumer: Closed with monetary relief