vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: OH

Complaint narrative:
I had my debit card compromised staring on  XXXX   XXXX   2017 . Reported it on Sunday with Chase bank. Followed their procedures, and it affected my son as well as he was linked to my account. We shut the accounts down and I went to the branch 2 times. And was promised the money withi n 12 hours on the recorded lines with Chase Fraud.  I escalated again tonight. And still got the same scripted information from reps from  XXXX . This is a complete. Injustice to keep my money when my debit card was hacked. I had physical possession of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX   XXXX   is harassing me about a debt that I do not owe. I am a victim of ID Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I have sent repeated disputes and request to verify information. They fail to do so. I sent another request on   XX/XX/XXXX  and  XX/XX/XXXX  and  have yet to hear anything This is a predatory collection agency who updates my credit report monthly with derogatory information. I never entered into any contract or agreement with this business. I never received any notification of any form of this alleged debt before it was attached to my credit reports. This has caused me severe financial hardship and has made it extremely difficult for me to obtain credit. There are several complaints of this company online with similar situations. I truly believe they have violated the FDCPA numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files

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 2017-06-09 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: MD

Complaint narrative:
I contacted Transunion via phone call in XXXX XXXX, 2017 to have them remove INACCURATE information that was reporting from 3 companies, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX, and inaccurate addresses and phone numbers also. The customer service rep I spoke with was very nice and pleasant, and went through each line on my credit report. She said she was making the changes as we spoke, and that I would received an updated/corrected credit report within 30 days. I was ecstatic, as I have been trying for so long going back and forth via mail and online disputes to get this corrected, so when the customer service rep informed me that it would be taken care of, I was happy she was able to assist me, as I am going through the home buying process as a first time home buyer and the inaccurate information was bringing down my credit score. well, today, I received a credit report from transunion, and could not believe that NOTHING was done. The report states that the accounts were verified, and all the inaccurate addresses and phone numbers the customer service rep and I went through were still there! very upsetting. I am requesting that these items be deleted from my credit report asap, and my address and phone numbers be updated. I appreciate your assistance very much.

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 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
The original creditor is XXXX XXXX XXXX. This account is in collection for all three credit  bureaus. The account was bought out by enhanced recovery group. I explained to them that i would seek resolve through XXXX XXXX XXXX but i never get anywhere. I tried last month in XX/XX/XXXX and also XX/XX/XXXX to pay them for what was owed on my account. The problem is they are charging me for equipment plus past due service balance which is {$900.00}. I would like to pay the balance but not the equipment charge because i returned the equipment. Everytime i call them they give me the run around, i have to wait on hold for hours and then i get switched from one representative to another, just for them to tell me i have to wait two billing cycles for them to investigate. I did that and called back after a month and they tell me the same thing. They claim they do n't have a record of me returning the equipment. They asked did i have a receipt of this. I 'm upset because this happened back in XX/XX/XXXX. No i do n't have the receipt, but i did return the equipment. I just want to settle this debt and be done with them. They continue to hurt my credit. According to my bank statement, I paid enhanced recovery back in XX/XX/XXXX for a debt showing on my bank statement. I will be calling tomorrow to see if it was for XXXX XXXX XXXX.XXXX They are charging me for equipment that i returned to them and i do n't think it is fair. They told me i need to have my receipt. I disagree. All of their equipment has serial numbers on them. They will know if i returned the equipment because the equipment serial numbers will be used by another customer if so. I just feel they are being rude giving me the run around and i want this resolved so this can be removed off my credit. I am trying to get a house and this does not look good on my credit. It hurts because they know i have tried calling to straighten this thing out. Supervisors/managers claim they would call back and never did. However, they continue to insist that i call enhance recovery instead. I am in desperate need of help..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be 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 2017-06-09 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: EQUIFAX, INC.
State: UT

Complaint narrative:
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).   XXXX   and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: UT

Complaint narrative:
For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the   XXXX   credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until   XXXX   2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be 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 2017-06-09 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: Rent Recover, LLC
State: GA

Complaint narrative:
Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Persolve, LLC - Legal - Series 2
State: AZ

Complaint narrative:
Case File No :  XXXX  Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named   XXXX   XXXX   and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges,  Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you  are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full.  <P/> If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within  Seven Working days after the petition is filed against your name.   <P/> Should have any assistance regarding this case you can reply back on the same email.  <P/> Do revert ASAP in order to avoid legal consequence on your name and SSN.  <P/> Thank You.     XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: First Data Corporation
State: MA

Complaint narrative:
I started a lease on   XXXX   XXXX     with  FirstData fo r  XXXX  credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with  FirstData after  only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got  XXXX  of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to  FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch  manager  at  XXXX  a number of times since first data was in his branch. It was all talk but nothing got resolved.

Company response to consumer: Closed with explanation