vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
1 ) Recently received debt collection letter from XXXX XXXX XXXX XXXX XXXX , XXXX ; dated XX/XX/2018. Referencing XXXX XXXX Bank Card XXXX XXXX ; Total {$11000.00} ; ref no. XXXX ; current creditor ; XXXX , XXXX 2 ) respondent has not owned a credit card in 10 years ; statute of limitations for Florida and Georgia is 5 years and 6 years respectively. 

3 ) respondent did send out a debt validation letter and cease and desist letter but the company First National Debt Collection Bureau , Inc has no working fax number and has two addresses one in XXXX, NV and another in XXXX, PA. All information on the company is hard to find and most likely old and out dated. A ghost of a company. So I am not sure if my debt validation letter or cease and desist letter will get to their proper destination. 

4 ) I dispute the claimed debt as not verifiable and way beyond any statue of limitations for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX, XXXX   XXXX XXXX  XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX, XXXX GA XXXX. They received this letter according to certified mail with the UNITED STATES POSTAL SERVICES on XX/XX/XXXX. I sent this letter in Regards to the inaccurate information reporting on my consumer report. Today 's date is XX/XX/XXXX and I have yet to hear back from them regarding the dispute about the collection accounts on y report. According to FCRA, they have only 30 days to respond to my disputes EXPERIAN, XXXX  and XXXX had yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. These account XXXX  XXXX XXXX XXXX in the amount of {$1100.00}, XXXX XXXX in the amount of {$1100.00}, XXXX XXXX XXXX in the amount of {$850.00}, XXXX XXXX XXXX in the amount of {$1300.00} and XXXX XXXX XXXX in the amount of {$360.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. These such debt has never been verified, I have not received anything in the mail and EXPERIAN, XXXX, and XXXX  is not responding to my correspondence.

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 2018-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Manley Deas & Kochalski LLC
State: CO

Complaint narrative:
My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XX/XX/XXXX my parents took out a loan for {$40000.00} from XXXX XXXX, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XX/XX/XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XX/XX/XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XX/XX/XXXX, they made an agreement to lower the payment, but extend the loan until XX/XX/XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If XXXX XXXX  had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: OH

Complaint narrative:
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: OH

Complaint narrative:
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2018-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I get calls all times of day and night sell my loans to different Leanders and not telling me and report miss information to the credit unions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
1 ) In XX/XX/2016 I was contacted by a law firm called XXXX XXXX  XXXX regarding a XXXX debt at XXXX  XXXX. I paid the debt in 3 payments and the debt was cleared from my record 2 ) I had two debts I collection from XXXX  XXXX, one was at XXXX XXXX  XXXX for XXXX and another was at portfolio recovery group for XXXX. I paid XXXX XXXX  XXXX the full amount and settled with portfolio recovery for XXXX with portfolio recovery on XX/XX/2016 On XX/XX/XXXX I noticed my credit reflected a debt from XXXX  XXXX at portfolio recovery group. I contact portfolio recovery group and they said I have 3 XXXX  XXXX debts with them one for XXXX one for XXXX and a third they would pull up for me. I explained the situation and they refused to listen.. 

I contacted XXXX XXXX  and spoke to a manager name XXXX who saw the debt paid off at XXXX XXXX   XXXX but refused to contact portfolio recovery group on my behalf and regarding the other 2 she said since they are sold to portfolio recovery she has no information. I faced proof of payment to XXXX XXXX  and to portfolio recovery and asked portfolio recovery to pull all the recorded calls from my phone number and confirm that we had settled for one debt and the secon debt was already settled at XXXX XXXX  XXXX and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XXXX my parents took out a loan for {$40000.00} from Chase Bank, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XXXX, they made an agreement to lower the payment, but extend the loan until XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If Chase Bank had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On my card ending in XXXX american express deducted XXXX  membership reward points.

When I called in on XX/XX/2018 I was told the reason for this is because I downgraded a card I earned a bonus welcome offer.

They did not tell me this when I downgraded.

Also, when I called in the supervisor was not able to show me any terms that mention this specifically. After speaking with a supervisor for about a half hour all the supervisor was able to come up with is that the terms specify they have a right to remove the points if " you have engaged in abuse, misuse '' All I did was change my card to a blue card. Changing a card is a standard procedure. The rep that changed the card didnt mention that changing cards is abuse.

Also, they took back the points about 2 month after the points was used leaving me with a negative balance. What kind of decency to after using the points to come up with reason to remove the points. If they felt this was abuse they should have removed the points right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report XX/XX/2018 Credit score should be adjusted due to XXXX, XXXX XXXX, XXXX XXXX XXXX was on my credit 2 XXXX XXXX XXXX was showing due to the deletion and back in XX/XX/XXXX that they be removed due to 1 had went to court and dismiss and I provided the documents several times with no results. Experian had has enough time to correct the issues in which they was all deleted and XXXX XXXX XXXX was placed back and removed a second time in which I provided a letter stating the account had been deleted. My score has not change due to errors on Creditors and Experian I should not have to wait due to errors and mistakes by Experian time of months.

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 2018-08-05 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:
The disputed charge was posted to Chase Visa on XX/XX/2018. The actual date of the transaction was XX/XX/2018. The dispute was for {$260.00} to XXXX XXXX and XXXX in XXXX XXXX, CA. 
I did not get the tour I paid for but upon my call to Chase Visa the representative asked if I got into the limo and I did so she concluded that the charge remains. Two days later received a letter saying case resolved and the charge remains, before I got a chance to write a letter or send information. 
My dispute is with the XXXX Rapid Rewards Chase Visa Card. I was never asked to submit a letter I wrote to the company, nor was I allowed to submit letters from my clients about how their clothes were ruined and made sick in the limo. 
Chase representatives just blew me off! They did not even speak to the limo company prior to telling me too bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc
State: MA

Complaint narrative:
Ive notified this company of my XXXX and that Im classified as collection proof. Im still being contacted and the company continues to attempts collection on a 7 year old debt Im not liable for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax had 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, weighed my credit score down for months even after I disputed them and XXXX XXXX XXXX was placed to times on my credit and deleted. I had even sent letters and it took months after the creditor requested to be removed. Equifax has had so many errors at my expense its not right. The time frame is forever as to correcting the credit issue as well as my score not changing due to errors. Equifax has many issues that even with employment been sent to you address phone number XXXX uploaded Pay check uploaded and still wrong spelling of company incomplete information. If Equifax is updating as said month after month why has it been over 6 months and the information is still wrong. I have filed so many complaints to errors made on Equifax part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Follow up information regarding Treasure Offset Program ( TOP ) Reference number : XXXX I had filed a complaint in regards to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and a third party collection agency Transworld Systems , Inc. 

I filed my complaint on the following basis. 
1. Did XXXX sent me a letter in regards to Treasury Offset ( TOP ) 2. Transworld never advised per letter that they will collect on debt 3. Transworld added further fees to benefit themselves at my expense. 
4. Any attempt to contact XXXX to re solve this matter was not accomplished. 
XXXX  refused to assist on resolving my concerns with the excuse by customer service that I was fully aware of a debt. 
5. Attempt to communicate with Transworld was with excuses to collect and I spoke to a supervisor that refuse to assist in resolving the matter any further. I was treated unfairly and with disrespect. 
Soon after I filed my complaint with the FTC consumer complaint ( XX/XX/XXXX ) the following occurred. 

Consumer Financial Protection Bureau, provided me copies of Transworld debt collection ( itemized ) they continue by saying of Federal laws protecting my rights but my rights were not protected why I tried to resolve this matter before my complaints. Secondly, all documents received by CFPB and attached to me on the resolution could not be read. Why CFPB did not notice this matter. 

XXXX, then proceeded to send me documents of the same attachment. XXXX  sent statements and a letter in small font ( required magnifying glass to read ) and if I had concerns of my right to communicate this with XXXX, again prior to my complaint, I called XXXX trying to resolve this matter and they continue to say you know you had a debt! Why call if they will not listen to me and try to get this matter without a third party collection. 

The problem, I read per XXXX  letter provided by Transworld XX/XX/XXXX XXXX  : if you do not pay your debt or take other actions described below within 60 days from the date of this Letter. ( XXXX XX/XX/XXXX ) 60 days from XX/XX/XXXX is the first week of XX/XX/XXXX. The agreement has been violated and the law broken. Both XXXX and Transworld has conspired to insure my Federal Tax Refund is taken away regardless of the agreement set forth in XXXX  letters. 

My Federal Tax refund dated for XX/XX/XXXX of {$540.00} was taken away from me. 

I am aware of the TOP law since I work for an agency that handles this type of collection. We advise of the 60 day rule and collection will not be prior to the 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: SC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX : Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX XXXX XXXX XXXX '' From XX/XX/XXXX to XX/XX/XXXX SAME COMPANY Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX  " Since last 5 years they are taking about same amount from by business checking account. 
Please, do the NEEDFUL for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
A JP Morgan Chase & Co. credit card was applied for using my personal information and 2 charges was placed onto the card for the total amount of {$13000.00} I reported the fraud incident to Chase in XX/XX/2017 with a supervisor closing the account immediately. Chase evidently did not remove the amount charged and cancel the credit card as stated, so several months later I randomly began receiving billing under what appears as a different credit card number. Chase asked me to send a fraud affidavit with a copy of my driver license and personal information. Chase never called, emailed or sent any written response confirming they had received my affidavit and what they were doing with my information. Since sending my affidavit I have spoken with fraud supervisor after supervisor with zero results. I have asked for a US based English speaking supervisor or above and I believe Chase is misrepresenting their staff, as each supervisor I have spoken to is a foreigner trying to speak English on what appears as a US phone number. I have repeatedly requested a copy of the signed credit card application that they say was applied by me. They have refused to provide any such application. They have required me to continue paying for the minimum payments and claim they are investigating. I do not believe there is any investigation and as I have mentioned to previous supervisors there should NOT be any monthly charges necessary during a investigation and why did you close the account and several months later Chase decides to reopen a new account with zero communication with me. I have asked how the application was completed and signed i.e. by mail or if completed on the internet then what IP address initiated the application. It would appear Chase could easily check my IP address to confirm I did not make application. Again, they ignore all requests for any documentation. I have never applied for a Chase credit card, and I have not authorized anyone to use my personal information to make an application for a credit card and do not authorize any of these charges. Chase states in writing a Zero liability protection for unauthorized purchases and fraud protection. Chase endorses this policy in writing yet I am still having to pay a minimum payment in order to maintain my credit score and good credit bureau reports. I have fraud alerts in place at all 3 credit bureau 's and attempted twice to get the county Sheriff 's office to make a fraud report but they unfortunately said it is between me and the credit card company. Chase has violated not only federal regulations but their own written rules and promises to their customers.

Company response to consumer: Closed with explanation