vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX charged off sold the debt to portfolio .XXXX does not display sold or transferred .Both are still reporting. This is a violation of FCRA .and now Portfolio has sold it. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charged off and reporting late payment after charged off. This is a violation of the FCRA.

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 2019-09-19 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: FL

Complaint narrative:
I have disputed the Account ( XXXX XXXX XXXX ) with Experian ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Experian has on file. '' Under the FCRA all unverified accounts must be removed ; if Experian is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Experian has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request original consumer contract with my signature or remove this item from my credit profile.

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance charged off and reported late payments. and failed to report Disputed in the remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
I now have a debt of XXXX in my collections for a medical bill from the beginning of XXXX. I was using my fathers insurance and went to urgent care for XXXX XXXX. The doctor told me I had XXXX XXXX and prescribed me eye drops and charged me that amount. I felt like the amount wasnt correct and contacted the company I was being billed through, XXXX and they didnt do a good job explaining why the amount was so high. They couldnt tell me why it was so high.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Bankruptcy has been on my report 10 years and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Finance team, Few weeks ago I have tried to make two payments on my credit card issued by Bank of America : Both payments from XXXX accounts ( one checking and one from a brokerage account ). 
Little that I knew that it is not allowed to pay from brokerage account, Bank of America ended up stopping one of my payments ( coming from brokerage account ) ; however, they suspended my ability to rectify old payments or to make new payments. 
After calling them and spending hours, they mentioned that it will take 3-5 business days to rectify this service ( hence blocking my ability to make any payments into my card, luckily I didn't have any payment due ) and they charged me a XXXX $ fee for this error. 
I have contacted them and asked them to reverse fee, because it is pure consumer exploitation ( other banks they notify you that payment wasn't processed but never block or charge you fees for that ). 
They never cooperated with my case. I believe : 1- Blocking your ability to make payments for 5 days is exaggerated 2-XXXX $ fees for not having a payment processed is horrendous Thank you for your attention. 
Best, 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 2019-09-19 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: FL

Complaint narrative:
I have disputed the Account ( XXXX XXXX XX/XX/XXXX ) with Transunion ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XX/XX/XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Transunion has on file. '' Under the FCRA all unverified accounts must be removed ; if Transunion is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Transunion has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request the original consumer contract with my signature or remove this item from my credit profile.

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 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I applied for the loan XX/XX/2019 my bank held the check to clear which took 15 days but the first payment was due XX/XX/XXXX my second payment was due XX/XX/XXXX and began to have money problem I asked for a extension I was going to double up but they refuse so today they repos my car it has been a month and they transferred the title taking my name off. 
Happy birthday to me today First American title lending of Georgia XXXX XXXX repo my car because I missed a {$120.00} payment from a {$1000.00} loan yes I missed but they have no mercy it was 17 late stay away do not give up your title WARNING STAY AWAY

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 2019-09-19 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 — Their investigation did not fix an error on your report
Company: ERC
State: MA

Complaint narrative:
I decided to switch over to XXXX to get a better monthly plan and also was able to get a brand new XXXX XXXX but when I was there they just treating me as a quick sale didn't tell me anything about the phone 's especially about the back of the XXXX How It's Made of pretty much glass and we'll always shatter so they never told me that I should get a case immediately so I ended up cracking it the first day in two hours and it overheat and I told him, at XXXX in XXXX XXXX. all these problems I told her and they said they're bringing my phone, they had my old phone and then they have me for 2 hours there can I love doing a factory reset and took out all my pictures contacts videos over the last 12 years of my family friends people that are no longer with me pretty much told me oh well so after the service ran out I was all set with them and I'm still am and I'm looking to counter Sue because I have no way of getting those pictures back and I would like to know what I need to do for steps to actually Sue or  counter-sue and I would also like to see this dropped immediately it's just seems like no one 's caring about what happened to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
I keep receiving a invoice of unpaid debt and my insurance company have taken care of the debt. I would like for this to be removed from my credit history.

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 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion is reporting incorrect information on my account regarding an account I held with XXXX XXXX XXXX over 20 years ago instead of personally verifying this information they are taking information from XXXX XXXX XXXX verbatim which is totally incorrect I talked to a XXXX representative yesterday Wednesday XX/XX/XXXX and they told me the account was closed on XX/XX/XXXX the drop off date per Transunion and XXXX XXXX was to be XXXX XXXX. XXXX XXXX  has just bumped it up to XXXX this debt is 20 years old! why don't you verify this information with the original creditor before you repeat false information that has affected my life for 20 years. this account has prohibited me from purchasing a home, a car, or credit. Someone should be liable for false information made public that affects a person 's entire life

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 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A total of {$3800.00} dollars was taken out of my account in the forms of XXXX XXXX   and XXXX XXXX while I was going through an identity theft period. I filed a police report, I filed an FTC identity theft report and reported it to my bank to get my money back. They told me theyll take up ton10 days to investigate and then issue me a temporary credit while they investigate. Bank of America took all 10 days and then emailed me in the middle of the night that they claim couldnt be resolved bc the  charges were authorized, my phone was stolen, MY IDENTITY WAS STOLEN, so of course it looked like me. I have since then deleted all of me email account and social accounts and reset all passwords and phone and did all I could on my end. What more did I need to do. I reported it to all the correct agencies. I just want my money bank at this point so I can switch to a credit union that better serves its customers. My FTC identity report number is 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 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
on XX/XX/XXXX XXXX American Express was notified of a charge discrepancy. Under their membership agreement in terms of service such a discrepancy must be reported within 2 billing Cycles after it is first available the account holder statement. XX/XX/XXXX is when serve became aware of the charges disregnancy. During a phone call with serve the discrepancy was clearly explained. What had happened was five items were ordered from Merchant. All five items were returned. Three of the items were refunded properly. Two of the items were not refunded at all. After some delay it sometime Merchant told me to contact Bank American Express Serve. American Express Serve appeared that this would be taken care of by them and that my membership benefits and membership agreement offered such protection. After some time this American Express Serve claim that they need additional information regarding this issue they required me to fill in a dispute form with information see attachment. This information was provided to members that serve immediately after it was requested. More so more information was submitted to American Express Serve than what was required in fact information that would clearly Define explain improve the issue was sent to serve even they did not requested. American Express Serve after possessing this information gave no updates no information and subsequently completed their investigation on XX/XX/XXXX. I on XX/XX/XXXX American Express Serve send me an email stating that the transaction was determined accurate and no credit would be adjusted to my account. American Express Serve claimed that they were denying this discrepancy and if their decision was based on the fact that they had not received the requested information. This is indeed false. They have received every information request from me to them. After several calls to American Express Serve. Confusion and unintelligible stammering could not answer what this requested information was that was not received. American Express Serve seems tube just have play XXXX denied this discrepancy with no reason whatsoever the reason they have provided is not correct is not accurate and can be shown to be false. American Express Serve needs to offer the benefits date extend in a membership agreement. There needs to adjust this discrepancy in my favor. The way that it has been provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
TO US BANK. We are seeking the return of the 2 x {$1300.00} fees that were charges against approximately {$2900.00} in over due HELOC payments. No work was done for these fees, they were billed in advance and we talked to the lawyers. They had not started their foreclosure filing they were waiting to get the account file. 

These fees then are very unreasonable, accounting for 33 % of our total bill. 
US Bank is creating hardship. We had two times made big payments to catch and earch time we get his this massive bill and its just right or fair. Its also an error. 

There is another error, US Bank gave the. wrong phone number for financial assistance and the banks general number and have a HELOC god help you no in bank knows it and our account number does not come up at all. We gave up and got the lawyers. 

Please let us survive. A fee complaints is attached. Please read. Thank you

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 2019-09-19 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: MA

Complaint narrative:
I have made many previous complaints against Experian and XXXX because they do not seem to take me seriously. I sent them a letter from the bankruptcy court that says that the court doesnt share any bankruptcy information with the credit bureaus, and that is how they have the bankruptcy listed as. I want the bankruptcy on my credit report deleted because of the bankruptcy being incorrectly reported, the FCRA says that all information on my credit report must be 100 % accurate and right at this moment it isnt and it is hurting my score. Delete the bankruptcy and all of the accounts included in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rocky Mountain Capital Management
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by a restricted number twice. ( XXXX ) I didn't answer. The same number called my wife 's phone and she answered. It was a man asking for me, when I came to the phone he shouted : " what happened yesterday? '' I didn't know what he was referring to. He then went over all of my information ( ssn, name, birthday etc ) said that " I missed my hearing yesterday and he will be stopping by. He gave me a number to Rocky Mountain Capital Management and said that he will be calling in an hour to see if I resolved this. It was a debt for XXXX XXXX loans. He made it seem like he was Marshall XXXX from your county. Through research, I found out his name turned out to be XXXX and he is not a marshall by title. 

I called the XXXX number ( XXXX XXXX XXXX XXXX ). No one ever said that " this is an attempt to collect a debt ... '' They were very hostile about providing me proof of my debt. They said they had been sending notice after notice to my home and via email. He said that he would have to contact my county every time an email is sent, and so he can't keep sending out emails. I demanded an email and settlement offer over and over but I refused to give any payment information. Finally, he sent one to my email. This proves that if they had been, I would have received the " others ''. They also had my current address so if they sent countless letters, I'd have " those '' too. I also know that there is a process. If the county wanted to send me notices or have me come to court, I'd know about it. It wasn't until I threatened legal action that he got off the phone. I contacted XXXX XXXX   directly and they sent me to the company that they sold it off to ( Rocky Mountain ) and they were not pleased to hear about the XXXX group using these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have wrote to all Credit Bureau to have this debt with West Lake Financial removed from my credit report. This debt is over seven years and West Lake Financial is reporting it as a new debt and placing it back on my credit after removed. I never agreed to a payment arrangement on this with West Lake Financial because I'm unable to work and the bill is over seven years old. It is a violation of law for a collection agency to report old past-due amounts as if they are new again. If an agency persists in reporting old debts with updated activity dates, I may have a legal case against them. West Lake Financial is reporting a debt that's over seven years on my credit report and hindering my credit score. I would like this removed once again off all credit bureau and not to be replaced again as if I open a new contract with West Lake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019, I received a call from Chase Bank 's Correspondence Department, asking me to update details on a credit card account that I have previously reported to the FTC as fraudulent. After giving my statements to a certain XXXX  ( ID # XXXX ) and XXXX ( ID # XXXX ), I was transferred to Chase Bank 's Fraud Department to give my report. The agent, named XXXX ( refused to give her ID # ), asked me basic questions such as my name, date of birth and address, to which I answered. After that, XXXX told me that she would connect me to a person who could help me with my fraud report, then put me on hold for around 5 minutes. XXXX came back and simply said that Chase 's Fraud Department can not help me with my problem since I know the person who stole my identity and my credentials. I find this very appalling considering that she went on record to say that she would " connect me to a person who could help me ''. This made me very upset and questioned XXXX as to why she would say that statement and would not even follow through. To make matters worse, I was going to ask what other steps I could do to file my fraud claim but XXXX decided to hang up. Now I am at a loss at what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage LlC have added fees to my mortgage with no explanation, every time I ask what the fees are for their from your old mortgage company can you send me a letter with a detailed breakdown showing the fees. You will have to call another 800 number. They have added fees to make my mortgage payment increased.

Company response to consumer: Closed with explanation