vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Today, XX/XX/2019, I tried to call my bank ( Bank of America ) to request they give a new card because I stupidly made the mistake of sharing my information with a guy so he can deposit money. I called the bank at least 7 times and they only picked up twice. I am XXXX years old and open the account with an adult after I recieved my first card a app charged me multiple times so the bank send a new one, the second time was for the same reason. I literally just got this card and I put XXXX dollars in it because my account had been below XXXX because I'm out of a job. So those could be the reasons but they wouldn't tell me. Now I previously said I shared my information so someone I know can make a deposit but was smart and sent my XXXX $ to my friend just in case this person was a scam. When I realized that said person was causing me trouble that's when I called and found out my account was close. Which sucks because Bank Of America is my favorite bank and i wanted to be with them forever. I want to reopen my account and change my information so this person doesnt have access to it but I cant do that unless the bank reopens my account.

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 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ASTA FUNDING INC.
State: IN

Complaint narrative:
there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a violation.

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 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted my Mortgage company ( XXXX ) to move my monthly payment from XX/XX/XXXX to the XX/XX/XXXX. I was told that would not be a problem but they failed to receive the payment and placed my account on default. I contacted them in XXXX and yet again they did not take my payment. In the following week I received a letter that my account was going to be in default again. I contacted them after realizing my credit score went down XXXX points. When I spoke to them they I made arrangements to repay the amount. Toward the end of XXXX I called to make sure my XXXX tax form was in the mail. As time passed on XX/XX/XXXX I still haven't received my tax form so I contacted them again and a representative of the company said my form was mailed out. I waited for another week and my form has not arrived. So on XX/XX/XXXX I called and wanted my forms to be mailed they said I could just do my taxes they told me the amount and I refused and said I need my forms that I would like for it to be overnight and this time the manager said that's not going to happen. Now it's XX/XX/XXXX and my tax forms still haven't arrived. At this point I have no idea what my options are. Your help would greatly be 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
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I checked my credit and noticed two accounts from Capio Partners, one for {$300.00} and one for {$5800.00}. I can not pay either debt but would like to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding LLC Successor in interest to XXXX XXXX XXXX represented by XXXX XXXX  XXXX sued me and I responded to the lawsuit stating I will pay {$50.00} a month until debt is paid in Full. So they asked for payments on a website at XXXX. Which I did every month to total of {$65.00} until one day the web page return with XXXX not found. I no longer could reach XXXX XXXX   XXXX. Now I'm being sued for Judgment and Writ of FlFA from a XXXX XXXX XXXX. XXXX  stating I defaulted. I never heard of them. I don't know what to do. I just keep trying to clear this up so that I will not lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I checked my credit report and noticed tow accounts from Harvard Collections for {$740.00} and {$290.00}. Not sure where these debts originated from but wiling to settle to pay to delete both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TX

Complaint narrative:
I received a alert on my experian credit report and I called them this afternoon and report a fraudulent address and a fraudulent account on my credit report and they refused to remove the address and that fraudulent account off my report and told me to contact the XXXX to remove it and I try that and they refused to assist me and I send in police reports and other documents to prove that I dont live in that address and experian is very slow with there investigation and kept that account remains and that fraudulent address on my report ...

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I paid XXXX XXXX XXXX   HRRG on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXXHRRG. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The HHRG is an alias for XXXX  XXXX XXXX. The HRRG website is hosted on the same webserver as XXXX. HRRG and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XX/XX/XXXX that the HRRGXXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.

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 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I checked my credit and saw an account from Midwest Recovery for {$220.00}. Not sure where it originated from but Im willing to settle the debt to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Asset Management
State: MD

Complaint narrative:
Collection filed, unauthorized information. Please provide information of debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-27 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express Serve has allowed my Serve Card to be used by unauthorized individuals in other states and they have stolen my social security benefits which is sent directly to my American Express Serve Card. Over approximately {$1000.00} in social security benefits payments to me has been compromised by the theft of others that I don't know. I have given no one my card to use for any reason whatsoever. On XX/XX/XXXX I received this information regarding a XXXX Treasury : Mon, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Account ending in XXXX Hi XXXX XXXX, Good news! 
You received a Direct Deposit from XXXX XXXX XXXX SEC, and the money is now available in your American Express Serve Account. Please keep this email for your records. 

Transaction Details : From XXXX XXXX XXXX SEC Amount {$540.00} Date available XX/XX/XXXX Transaction ID XXXX Questions or want to learn more about Serve? Visit us at serve.com/help. 
Thanks, The American Express Serve Team However, I am unable to access my funds and other deposits for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

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 2019-02-27 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: GA

Complaint narrative:
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in XXXX the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

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 2019-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone. 
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.

2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years. 

3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan. 

4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX. 

This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX. 

Thank you, XXXX and 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 explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has resumed trying to collect on a debt that was successfully disputed and found to not belong to me. Today, they have resumed calling me trying to collect on a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive  debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from XXXX XXXX ( XXXX XXXX XXXX ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my Experian report 6 months later. 

I want this removed from my Experian 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 non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am receiving many phony calls daily from an unidentified company claiming that my credit card company ( and the recorded message doesn't say which credit card company ) is offering me a better deal on upgrading my credit line amount. No human is involved in the calls ; a recording comes on only which says to press a button to connect with someone to discuss your account information. My phone number was probably sold to the scammers who will try to profit from this fraud. I have not received any mailers, just these phony calls. This can only involve my Chase Visa card through XXXX XXXX and a joint Chase Bank account with my husband, so it is unclear which is involved and perhaps does not matter as this is trolling for any and all info, so I assume the scammers just throw out the name of the card company hoping to steal all of the account information and drain the account of funds and to use the account for fraudulent purchases. 

I hang up and then try to call the phone number that shows up in my caller ID. When I do so, any of the phone numbers I call back are not legitimate, as a recording comes on, " we are not able to complete this call, try calling again ''. No legitimate credit card company is associated with any of these many phone numbers. 

This is clearly a scam to obtain personal account information from those who can't figure out that real credit card companies render offers in the mail and never contact clients in this manner. I am appalled this is occurring. I don't know who is making these calls from varying phony numbers sometimes up to 10 times a day. I also don't know if I can stop the scammers, but at least I can try to report this illegitimate behavior. I will also report the phone numbers used to the FBI fraud unit for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CIR, Law Offices
State: CA

Complaint narrative:
This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists

Company response to consumer: Closed with explanation