vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
A background check was done under my name on XX/XX/2018 by First Avantage National Criminal File Plus and found a record on my file. 
( DATABASE SEARCH XDB- FLORIDA XXXX XXXX  REGISTRY ) Case Reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: UT

Complaint narrative:
I was contacted by XXXX XXXX of ARA in XXXX/XX/XX/XXXX regarding a debt, unknown to me. I replied with a letter dated XX/XX/XXXX requesting documentation of said debt and never received further communications from ARA until XX/XX/XXXX when I believe ARA phoned my house and informed my son that they had and read to him my social security number. However, when he requested that the caller identify themselves, they refused. Today, XX/XX/XXXX, I received the same letter that I received 10 years ago, also from XXXX XXXX, insisting that I owe {$15000.00} for a debt that I do know nothing about. Ten years ago when I received this letter, I phoned XXXX XXXX ( now XXXX ) regarding the debt, which XXXX XXXX claims that I hold. At that time, they informed me that they have their own in-house debt collection, which makes XXXX XXXX 's claim highly dubious. I have requested documentation and never received it, and they are persisting in contacting me again which is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
This company begins calling me 1 day before my payment is due and then continues to call me 6-7 times daily until the balance is paid. I have never been more than 10 days late on a payment and continue to receive repetitive calls each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, account # XXXX is wrongfully attempting to collect a debt I do not owe.THE ORIGINAL CREDITOR, XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX AND XXXX CREDIT BUREAU REPORTS.I opened the account in XXXX of XXXX.The payments made for this account were for usage and a XXXX XXXX  XXXX phone.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I wasn't interested, but there was SALES PERSISTENCE. 
F inally he said we will cancel everything and I will not be charged.I kept the same phone number and transferred it to XXXX XXXX.THIS ENTIRE BILLING IS FRAUDULENT! 
I owe nothing.

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 2018-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XXXX I went to Wells Fargo to open an account. I was asked if I ever had an account there. I didn't, after the fraud with XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. I stopped using banks, my credit have been abused. I went back to Wells Fargo and requested a copy of the account. 
Since the account is in my name, I was given a copy. It have my name as XXXX XXXX XXXX XXXX A EIN number have been created in my name. 

This account shows it was created in XXXX. I filed bankruptcy in XXXX, I was going through the procedure during that time. The account is set up as me being the XXXX of this enitity. 
All of my history was being deleted and myail was being stolen. 

I address you have on file was with XXXX, separate from the United States Postal Service. I submitted a change of address with the United States Postal Service. I was told they couldn't forward Family/Individual from a Business Address. I  never had a business. Due to identify theft /fraud/abuse of my identity. Someone was stealing my mail.

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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After I reviewed my account statements in detail, there are a total of 6 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account. All 6 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft.

By Citizens Bank 's overdraft policy, there should not have been six {$35.00} overdraft fees assessed for these transactions on the attached dates.

I have attempted numerous times to resolve this with RBS Citizens Bank phone support representatives.

Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank.

I have been unable to resolve it directly with RBS Citizens Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 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: WI

Complaint narrative:
There are two accounts that have just suddenly appeared on my credit report that I am not familiar with. Both accounts list an opening date of XX/XX/2018 and I know that I have not opened ANY new accounts within the last 6 months. I have sent both XXXX XXXX XXXX and XXXX XXXX a letter demanding validation of the debt they are attempting to collect from 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 2018-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined 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 2018-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-13 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: IL

Complaint narrative:
Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC
State: CA

Complaint narrative:
This debt was paid as soon as I found out about it

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 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Casesa Bowden Barlow, P.A.
State: FL

Complaint narrative:
I am being constantly harassed a third party collection law firm claiming there is an outstanding balance for a XXXX final hearing that never even occurred, after my having already paid thousands of dollars in 2017. The collector claims to be an attorney and repeatedly calls in a nasty, harassing and threatening matter, having already been told to cease.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-13 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: NC

Complaint narrative:
In XX/XX/2018, I sent a payment to Chase for {$100.00} before a statement was sent to me as this is a very new account just opened. I placed my name, address, first and last four numbers of the new account on the money order as well as enclosing a copy of the new credit card with the entire number. Unfortunately, my payment was placed on another person 's account. After calling and calling to check on this payment, the payment was found and finally credited to my own account. Then the next time I called Chase to check this payment status, I was advised that my address that I gave was not my address because another address was on this brand new account. This was not true, the address I submitted on the new account is the same as my current address. Lastly, it appears that I was charged twice for a XXXX XXXX membership on my XXXX XXXX Chase Credit Card and on my XXXX in store account. Thus, I requested this refund of {$13.00} for the XXXX membership. As a result of all of these errors I reported this to the Executive Office of Chase Card Services who initially refused to call me back after the initial request to investigate these issues and was told that a credit of {$13.00} was being placed on my account for the inconveniences. However, the {$13.00} credit is not for the inconveniences but for the dispute in process. The Executive in the Corporate Office of Chase would not transfer the call to her superior or allow me to leave a voice mail message. Mistakes are being made on my account over and over within such a short period of time and the contact person does not wish to credit my account for the events that are unacceptable. I have spent hours and hours attempting to correct these mistakes and requested only a {$50.00} credit for my time and assurance that these errors would stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: AR

Complaint narrative:
ERC WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I spoke to the company on at least 4 occasions about the debt, explaining the information that they have was not correct. I also wrote to them on one or two occasions asking for a copy of the contact they say they have with my signature on it. But they would not provide me with a copy showing that I was a cosigner to the debt. 
I have sent them a certified letter around XX/XX/2018 with no correspondence from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
By around XX/XX/XXXX the bank account got frozen by company 's decisions for a no reason. due to using ATM machine that customer 's transaction made at his travel time during in XXXX. Amount in a account is XXXX $ worth. 
the company has no right to freeze account under the customer 's permissions. Yet, account is still freeze at this moment and customer is no finance access what so ever in the XXXX and struggling to find his shelter. also seeking help from US embassy at this moment but there is no successful actions and faith. and he is stuck getting back to USA even it is not his fault nor his cause. 
this is a serious ignorant with abandoned abuse service ever and it need to unfreeze the account immediately. 
identifications should be given over the phone via emails anyway possible but has not been approved. all the company has saying was he has to visit the branch office counter him self to unfreeze, which is impossible at this moment. he is in a XXXX. not in a home town. The customer is still stuck him self desperate to leave the XXXX.ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.

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 2018-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cedars Business Services, LLC
State: NM

Complaint narrative:
I received out of the blue a letter from a collection agency indicating that I owed {$380.00} for a traffic violation incurred at an unspecified date and location ( somewhere in XXXX ), with an unspecified car from an unspecified car rental company. Supposedly I would have received numerous letters from an unspecified Italian municipality which I would have ignored. This is an attempt to extort money unjustifiably. No evidence was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, account no.XXXX is wrongfully appearing on my EQUIFAX credit bureau report.I opened the account in XX/XX/2015.The payments made for this account were for usage and a XXXX XXXX XXXX PHONE.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX phone for {$600.00}. 
I said I WASN'T INTERESTED but there was SALES PERSISTENCE.Finally he said we will cancel everything, I WOULD NOT BE CHARGED as everything was settled to XXXX BALANCE.I kept the same phone number and transferred to XXXX XXXX. 
The entire debt is fraudulent! I owe nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/XXXX I had noticed that there were fraudulent charges on my bank account which I called Chase to address. I recently moved from XXXX  to XXXX XXXX so I was unable to go into a branch to resolve the issue. The nearest branch was over 150 miles away in XXXX XXXX, and without the funds from my bank account, there was no way for me to get there even if I had the time to take off of work. Furthermore, they refused to have the funds transferred to the account of another bank in my name or make any other reasonable accommodations for my circumstance especially in consideration of the fact that my rent was due on the XXXX of the month. 

After 3 separate calls with Chase they finally put my account on " restricted '' which would close the account in 10 business days. I essentially had to live without access to any of my money for two full weeks. Come the end of the 10 business days, the account was still not yet closed even though the notes of all interactions with chase indicate a closure date of XX/XX/XXXX and mailing of my funds by XX/XX/XXXX. I had to call again to have the closure of the account " expedited '' which isn't the correct term because the date of closure guaranteed to me was already past. As of XX/XX/XXXX, the writing of this, the account is still not closed and no check has been mailed to me. Chase has been extremely unresponsive and I've spent over 15 hours on the phone with them over the past two weeks to be " guaranteed '' different deliverables by different dates only to have them continually pushed back. They have made it ridiculously difficult to simply close my account and all of this is noted in their notes as multiple representatives I've spoken too have read back to me. I have been informed the account will now be closed by XX/XX/XXXX Monday, but even if it is I have been unable to pay my rent or access the funds I need to buy groceries and pay other bills because of the actions, and inaction, by Chase. Simply put, I will never bank with Chase again and they ought to be responsible for any negative financial consequences I've incurred as a result of their inaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
I sent a registered letter dated XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation