vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've had this bluebird account for years and as of late I've had alot of unauthorized us currently found out I was experiencing ID theft after a few months back I checked my XXXX XXXX  and saw things I'd never do or have hotel stays, XXXX which I don't even use and I disputed XXXX in XXXX money returned now it's happening again. Why and how is this possible for someone to hack into or use another identity and how can a client be protected as this is very difficult to figure out returning money, adding money, changing passwords nothing seems to stop the issue I did police report officer said that was good cause during you guys investigation u may come upon a name or any distinguished indepent features, tattoos etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account AD ASTRA RECOVERY SERVICES Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AD ASTRA RECOVERY SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help me.

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 2019-01-31 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:
This is the third complaint now regarding Experian 's reporting of a medical debt in my credit report. Experian 's prior response to my complaint that it had agreed with most US State 's Attorneys General not to report medical debt within the first six months was met with a ridiculous response here at the CFPB. Experian stated that, rather than the 30 day investigation period mandated by law, it would now take 60 days to make a determination that could be adduced by a plain reading of the entry in the report. The entries reported by Experian are cleary within two months of the date of first delinquency ... not six. The entry should be removed on that basis alone, not invoke a new 'investigation ' period of double the amount permitted by law.

But that is not the purpose of this complaint. It gets worse. Experian next purported to have removed this entry and DID remove the entry. See attached report of XX/XX/2019. And so I stopped purusing the matter and when I again checked my credit report on XX/XX/2019 the information had re-appeared ... again in violation of federal law. 15 U.S. Code 1681i requires Experian to notify me within five days of reinsertion, which it did not do.

I expect that, once again, Experian will simply state that it will take another 60 days to 'investigate ' with the collection agency. However, NEITHER issue above requires any investigation at all with the collection agency. Quite frankly, it is apparent to me that Experian considers the Consumer Financial Protection Bureau to be a joke that it responds to complaints in this manner and watches as the CFPB deems the matter resolved and closes the case in the face of blatant and proven FCRA violations. I consider myself a consumer advocate, but perhaps Donald Trump has this one right and your agency should just be dismantled as a waste of taxpayer 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 2019-01-31 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SYNCBPAYPALEXTRASMC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for credit card and was asked if I wished to do a promotional balance transfer prior to submitting application. I accepted and put the amount to pay off credit card balance, upon submitting application I was only approved for a lower amount in which I had no interest in accepting. I called company and stated I didn't want their offer within 24 hours. It's now 10 days or more later and I receive letter stating of a balance transfer for XXXX dollars and a fee added to it, I never authorized a balance transfer for XXXX dollars and a extra fee. The card they sent it to is now in a negative balance because I paid the card off myself. I still to this day don't have a credit card from this company and they also decided to do a balance transfer for a amount I never approved of. I called them today XX/XX/2019 and was told they're allowed to do whatever they want and charge me for it. It's also my responsibility to get them their money back according to them. Any help resolving this problem would be greatly appreciated. The letter states the last 4 digits of account is XXXX, wells fargo, XXXX XXXX XXXX, XXXX XXXX IA, XXXX. XXXX dollar transfer with a XXXX dollars on a account that is in the negative now. 

Thank you 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
Consumer complaint received 2019-01-31 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: BC SERVICES, INC.
State: TX

Complaint narrative:
XXXX 's client XXXX XXXX was a victim of ID theft. Her information was used to obtain medical treatment and services at a location in Colorado that she never authorized. Several collection accounts were established related to that service. While the majority of those accounts have been disputed with success, BC Services has failed to remove the data from her XXXX  credit reports ( obtained XX/XX/XXXX ) as outlined in the FCRA.The first formal dispute was provided to BC Services XX/XX/XXXX, and again XX/XX/XXXX and again XX/XX/XXXX. Even after submitting this information BC Services still attempted to collect on this debt after the data was provided to dispute this account as fraudulent. Address confirmation information was provided to BC Services to show she did not live at the address of the first established medical account as well as a police report indicating the issue was ID theft related. 
BC Service continued reporting of these accounts is a violation of the FCRA and FDCPA and my clients consumer rights.

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 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2019 I received a stack of mail from Chase Banking, with whom I have never done business and do not intent to. Two pieces of this unexpected mail were to activate new debit cards for two fraudulent checking accounts opened in my name without my authorization. Three pieces were returned checks dated XX/XX/2019 from XXXX XXXX XXXX ( routing # XXXX ), which Ive never heard of, electronically deposited to the fraudulent accounts in the amounts of check # XXXX  {$900.00}, check # XXXX  {$750.00}, and check # XXXX {$800.00}. Three pieces were returned checks dated XX/XX/2019 deposited into the fraudulent checking accounts from The XXXX XXXX XXXX XXXX , XXXX  ( routing # XXXX ), with whom I have an optional disability policy, checks were in the amounts of check # XXXX  {$1800.00}, check # XXXX   {$1900.00}, and check # XXXX  {$1600.00}. Two pieces of mail stated that these Chase bank accounts had been blocked and would soon close. I have no confirmation that these accounts have been closed, and no further information was given to me about the application to open these accounts or any further deposits/withdrawals. I have no claim numbers for these companies because this wasn't authorized by me. I studied my credit report and found unauthorized inquiries recently and fraudulent addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: PA

Complaint narrative:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX They reported the collection amount of {$1300.00} to my social security now my credit score is low, now I talked with the financial services of XXXX XXXX XXXX XXXX XXXX MD, His name is XXXX phone number is XXXX and I applied for Finacial Aid and I was APPROVED with 100 % discount and I shouldn't owe anything. So I want all the collection in my credit score to be dispute because this is unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank, please answer the following questions : 1. ) On XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, JPMorgan Chase accessed information about me through XXXX XXXX XXXX , XXXX. 
*What was the valid reason for accessing my personal information through XXXX XXXX XXXX , XXXX? 

2. ) The Chase Checking Account that was closed recently during XX/XX/XXXX had a routing or XXXX number of XXXX, according to checks and statements provided to me by Chase. 
XXXX XXXX XXXX showed Chase reporting an XXXX routing number of XXXX, before and after I had disputed the XXXX number with Chase. 
*Why do these two routing numbers not match? 

3. ) XX/XX/XXXX, I received a response, from XXXX XXXX XXXX XXXX, to a dispute about information Chase was providing on my report. Dispute case ID XXXX The information Chase had been submitting was deleted due to disputed info being incomplete, inaccurate or unverifiable. 
*Is this true? 

Once again, I have asked 3. ) * questions. 

I will send the CFPB copies of the information I have pertaining to the 3 questions in this complaint, via US Mail, which are the XXXX XXXX XXXX, XXXX reports I've received. 

Thank you for your attention and humbly await your response,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: PA

Complaint narrative:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2019 I made two payments from my checking account to my personal line of credit that is issued by the same financial institution. Two payments : 1 being the regular current due payment of {$200.00}, and the other an additional principle payment of {$100.00}. Both made on the same day one after the other. Both payments had been withdrawn from my checking but only the additional principle payment had posted to the personal loan. I have since called Citizens bank 3 more times to rectify the situation. First was on XX/XX/XXXX, for which I was on the line with the bank for 45 minutes at that time received a confirmation number that the problem would be fixed. 
I consistently checked my account on line and still had not been fixed so I called back on XX/XX/2019 and was assured it would be fixed and I would receive a phone call by Citizens bank the following Tuesday or Wednesday confirming the funds of my regular payment of {$200.00} would hit the personal loan. Still no payment as of Thursday XX/XX/XXXX and now I have received a past due notice in the mail stating I still owe {$42.00} and being charged a late fee. I am on hold with Citizen bank now waiting for a supervisor and have been on hold for 20min. They keep claiming that this is waiting for review from " BACK OFFICE ''. I am not sure why I have to wait for them to post a payment that is clearly seen as being withdrawn from my checking account long before actual payment was due. Both accounts are with the same bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North American Credit Services
State: GA

Complaint narrative:
I think the payments started XX/XX/2018. The amount was around {$800.00}. I was set up on a payment plan to pay medical bills. There was an option for a settlement, but I didn't have the money for it at the time. The second time i inquired about the settlement i was told that because i either inquired or was offered a settlement twice, i would no longer have that option. I think it is unfair that the option is off the table because of something i could not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: U.S. BANCORP
State: NY

Complaint narrative:
Found out someone either hacked my email and phone was opening accounts in my name using my personal Information which mustve been stolen and reported to bureaus and put a fraud lock. Also filed report with FTC. I then reported to each company thats was involved XXXX XXXX, XXXX, US BANK AND XXXX XXXX and told them about fraudulent accounts in my name with them. Some were closed but are still reporting and some where not closed and are still reporting hurting my report with missed payments on an account that was opened fraudulently.

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 2019-01-31 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: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Credit World Services DID NOT remove the account from XXXX  it still is showing in active collection as of yesterday. XXXX  was called and I was told it does not take this long to remove an account especially if the were notified in XX/XX/XXXX as Credit World states.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: College Ave Student Loan Servicing, LLC
State: OH

Complaint narrative:
I am cosigner on my daughter 's school loan and I have been paying it but College Ave collection keeps calling me even after the loan has been paid. I have told them to stop I have paid it but they just keep calling.

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 2019-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NPAS, Inc.
State: GA

Complaint narrative:
I think the payments started XXXX 2018. The amount was around {$1200.00}. I am currently set up on a payment plan repay the debt. I have inquired about a settlement to so that i can be relieved of the debt, but one is not being offered.

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