vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. 

The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received a bill for the annual fee for a credit card on XX/XX/2019 from Barclay Bank for an XXXX XXXX XXXX Mastercard. I have not used this in a year or so. I called the Service line for Barclays Bank 's on XX/XX/2019 found on the back of the bill. I spoke to an " off-shore '' service individual about closing the account. After providing my name, date of birth, l

ast four digits of my social the service center could not find my account in their database. I was put on hold for more than 20 minutes. I called back and went through the same process and then asked to speak to a supervisor. No one could find my account although the card company sent me at least two bills at my current address. I had destroyed the card after the previous bill so could only provide the last four digits from the current bill. After 30 minutes on hold I gave up. I wrote a letter to cancel the account and mailed i
t with a copy of the bill to the bank. I am disturbed that a credit card company can send me a bill, but is incapable of cancelling my account. I have spent hours dealing with this without resolution.

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 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, Nevada XXXX Date : XX/XX/2019 Complaint against M & T Bank M & T Bank imposed and an insurance policy that I did not want, requested, authorized, or needed. M & T Bank started to draft my bank account without my consent. M & T Bank is taking funds they have no right too. I notify M & T Bank to stop this insurance they disregarded my orders and continue taking the money. 
This is an FHA mortgage. They are not abiding by FHA Rules and regulation.

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 2019-06-11 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: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
LATEST CREDITOR : MEDICAL BUSINESS CONSULT ORIGINAL CREDITOR : XXXX XXXX XXXX DATE REPORTED : XX/XX/2018 BALANCE : {$920.00} MEDICAL BUSINESS CONSULTANT XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX PHONE # : XXXX ORIGINAL CREDIT PERSISTENTLY RESELLS DEBT THAT HAS ALREADY BEEN PAID TO NEW CREDITORS. THIS DEBT REAPPEARS FREQUENTLY. THIS DEBT HAS ALREADY BEEN DEEMED INACTIONABLE BY THE CREDIT REPORTING AGENCIES. TO CONTINUE TO PLACE THIS ON MY REPORT IS AGAINST THE FAIR CREDIT REPORTING ACT AND I WILL PROSECUTE. REMOVE THIS DEBT IMMEDIATELY AND QUIT RESUBMITTING IT AFTER IT WAS SUCCESSFULLY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Today XX/XX/2019 I was looking to buy XXXX XXXX tickets for their game tomorrow. On XXXX, under a XXXX XXXX XXXX XXXX post someone was selling tickets. I messaged the seller and he told me he had 4 tickets to the game for {$50.00}. I told him to drop the price and we got a deal for {$40.00}. This is the first time I used Pay Pal and he helped me send him the money. 5 minutes later he tells me to send him verification and he told me his computer is updating. I asked him to send me the tickets and he blocked me. To check if he was a scammer I opened a new fake XXXX under a differnt name and I asked him for 7 tickets and he told me he had that amount. He was very aggressive and wanted the money as soon as possible. On my personal XXXX account however, he blocked me and I was not able to send him messages. Off my fake account, I was able to send him messages. I contacted Pay Pal and they told me to file a report here. I tried contacting the receiver of my {$40.00} but he never responded.Attached below are all my documents. The pictures that are taken from the computer are from my actual account. I will also attach my transaction with my Pay Pal. The screenshots are my fake account trying to get in contact with him to prove that he was a scammer. I am really disappointed in the security of Pay Pal. My email for Paypal is XXXX. My phone number associated with this account is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX calling random people I may be affiliated with.

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 2019-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested verification under federal law asking Experian, XXXX and XXXX to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

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 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate XXXX employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.

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 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law
State: AZ

Complaint narrative:
Dozens of Times to try and speak with a representative and can never get anyone to answer. Wait times on a consistent basis of twenty minutes or more. Left voicemails multiple times over the course of months and no return call. 

Trying to debt resolved to stop further interest accruing and to help clean up credit. Finally get a hold of someone about 7 weeks ago to setup payment program and was advised of payment program and to setup payment program. Waiting on paperwork to be received and contacted rep after 35 minutes on hold. Advised my letter was just completed as it has to be hand typed????? Its been almost 4 weeks since last call and I received mail today XX/XX/XXXX advising the company Bass and Associates has been trying to reach me in which they havent. ( we can pull phone records if needed. 

I feel I may not be the only one as the company has terrible reviews online with same issue. My personal opinion is that they are doing on purpose to keep tacking on interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested verification under federal law asking XXXX, XXXX and Transunion to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

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 2019-06-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested verification under federal law asking XXXX, Equifax and XXXX  to send me written verification of items they are reporting on my credit report. I have been asking for written verification of any contract or document bearing my signature sent to me for the last several months. 

They continue to report inaccurate information and wont send documentation that the items they are reporting is in fact mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

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 2019-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate Transunion employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.

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 2019-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX  mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Bureau name Capital one bank USA I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score. 
I had 2 XXXX within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls. 
I really need your help and I appreciate your up. 
Best regards, USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has failed to address my dispute in a timely manner even though I have informed them that the outstanding balance of my credit report is inaccurate.

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 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I noticed on my Chase Mobile app that several large ATM withdrawals were made on XX/XX/XXXX that were not authorized. I called Chase immediately on XX/XX/XXXX at XXXX to report the fraudulent withdraws and told them that my card was stolen and I was given a different individuals Chase debit card instead of mine. The closed the debit card immediately and I requested a new card to be sent. 

The transactions were made at the following locations in XXXX at Non-Chase ATM 's : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I later received a XXXX message from an individual stating that he had my card and we had realized that our cards had been swapped unknowingly by someone not associated with either of us. This individual and I have never met before. His name is XXXX XXXX ( XXXX ) XXXX. I had a police officer from XXXX XXXX, IL call me to ask about XXXX fraudulent charges on his debit card and I stated that I have never been to XXXX XXXX nor did I know where that city was located in IL. 


Below are the fraudulent withdraws from my account : NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$23.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$45.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$320.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$420.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} NON-CHASE ATM WITHDRAW XXXX XX/XX/XXXX {$500.00} The total amount {$1800.00} I received a letter no XX/XX/XXXX from Chase dated XX/XX/XXXX that they closed the claim and stated that they found the transaction ( s ) was processed correctly or was authorized and that they were going to remove {$1800.00} from my account on or after XX/XX/XXXX. The last time I used this debit card was on XX/XX/XXXX at XXXX XXXX # XXXX XXXX XXXX IL XXXX for {$9.00} I have filed a police report with the XXXX Police department and below are the details : INCIDENT : DECEPTIVE PRACTICES REPORT NO : XXXX IUCR CODE : XXXX DATE/TIME OF OCCURENCE : XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When booking a hotel with XXXX, I checked the properties listed ( 4 ) as the stay being in one of the four. There was not a listing for " XXXX ''. XXXX, XXXX, XXXX and one other was shown. Again -- no " XXXX '' listing. I stayed at the XXXX in 2014 and it was TERRIBLE. Feeling safe, I hit " book it now '', and what turns out to be the property? The XXXX. XXXX hid the name " XXXX '' by using the name XXXX. I immediately called XXXX to rebook to another property. XXXX service center   ran me around in circles and told me the U.S. service center wasn't open until normal business hours. Called there and got XXXX again. Disputed the charge with Chase. Even though I told them this was fraud, they refused to help in any fashion. Chase Credit Card services refused to help despite this being blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bureau name XXXX XXXX XXXX XXXX I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score.

I had 2 miscarriages within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls.

I really need your help and I appreciate your up.

Best regards, USA

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 2019-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been making payments to a private student loan. I have reviewed the online information on Wells Fargo 's site to obtain how the payment is applied. Each month I pay over and above the amount due. I can see how much is applied to principal and how much is applied to interest but there is no information to show how the balance has dropped from the previous month. I would like to be able to receive a statement by mail to show the balance from the previous month and the new balance after the payment is applied. I can only see the current balance of the student loan. I have not been able to see how much interest accrued over the time my son was in school. I am a mortgage lender and I understand finance completely. I have been to a local branch and made a call with one of the agents to the student loan department and I have emailed 3 times to explain the issue. There is no way to track what the original balance started out at and then showing how the payments have been applied or the new balance each month. This should be very clear to a consumer. I can not begin to imagine inexperienced students trying to understand this. There also have been mistakes made where the payments I made were applied to a loan that my x-husband was obligated on solely in his name but I made the payment. This was eventually corrected only because I was paying attention and researched it. There is currently an error that I see where it seems as if a payment was posted but one I didn't make. I have also never been given an option of opting out of a mailed statement. I was told they do not send statements when I inquired on this. Any assistance you can provide would be greatly appreciated.

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