vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I transferred money into my capital one 360 checking from my XXXX because the two were linked. Then when I tried to move the money from my capital one account it said there was a problem. I called them and they were kind of rude and told me I needed to verify who I am through a series of multiple choice question about me. I said sure and after I completed the questions and passed they told me they were still going to close my account cause I was high risk or something???? Who knows with that. My credit score is great I've never been in trouble pay all my bills on time and have a job.. Anyway they said they were going to send me a check of the money in my account and that was 5 months ago.. I called one more time 3 months after the first call and they said, yeah the check wasn't cash, asked me my address and I asked to talk to someone who can help me understand cause he wasnt helping. He said ok one second, put me on hold the phone started ringing and I got an answering machine.. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: TX

Complaint narrative:
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT IN COUNTLESS LETTERS OF DISPUTES AND CERITIFIED LETTERS BEGGING AND PLEADING WITH THEM TO REMOVE FRAUDULENT INFORMATION OFF MY CREDIT REPORT THAT RELATES TO MY NAME AND HOME ADDRESS INFORMATION. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND BY NO MEANS HAS THIS EVEN MOVED EXPERIAN BUT ACCORDING TO THE FAIR CREDIT REPORTING ACT THEY ARE SUPPOSED TO REMOVED THE INFORMATION IMMEDITATEDITY ONCE NOTIFIED WELL IT HAS NOT BEEN DONE AND I AM HIGHLY UPSET.

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 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IN

Complaint narrative:
I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Medical debt is not mine, debt is my sons who has same name but different middle initial.

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 2018-07-15 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: CA

Complaint narrative:
I was a cardholder of the Chase XXXX XXXX Rewards Visa XXXX credit card in XX/XX/XXXX-XX/XX/XXXX. This card came with a sign up bonus of three XXXX XXXX ( tier 1-4 ) free nights which I earned in XX/XX/XXXX. The nights can be used for the following year. During the year of XX/XX/XXXX, however, I experienced a series of health issues which prohibited me from traveling. I was in bed rest in almost the entire year, and I had a XXXX in XX/XX/XXXX. 

This credit card had a {$450.00} annual fee for the 1st year which increased to {$550.00} at renewal in XX/XX/XXXX. Given my health condition, I called Chase and XXXX XXXX Customer Services ( CS ) in early XX/XX/XXXX to discuss my situation. Chase confirmed my free nights should still be fine if I closed my credit card. XXXX XXXX responded that they would be willing to extend the free nights for me, but I need to call them again when those free nights are about to expire since their system doesnt allow them to extend the nights too early. 

Given the advices I got from Chase and XXXX XXXX, I closed my credit card afterwards. On XX/XX/XXXX, I called XXXX XXXX to extend the nights but only to be shocked that they said unable to do so since my credit card was canceled in XX/XX/XXXX. That was not my understanding from before from Chase or ever brought up when I first discussed with XXXX XXXX. Even the rep didnt realize the system requires the credit card. After talking with numerous people, a CS manager suggested me calling XXXX corporate office. I did, but after checking with his manager, the rep told me XXXX XXXX would not honor the bonus since that was part of Chase credit card promotion. 

Last month, I retrieved a copy of the Chase credit card terms. Clearly it does not say the free night bonuses require an active credit card. I then contacted Chase Executive Office. But after one month of research, the rep ( XXXX ) told me now there is nothing Chase can do but I should go back to talk to XXXX XXXX since Chase never took the bonus nights away after I closed my card. It was XXXX XXXX 's problem. 

This is an unbelievable example of how a customer can be misdirected, ripped off and unfairly treated by big companies like Chase and XXXX XXXX due to their own misunderstanding, miscommunications and misleading advice. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: MI

Complaint narrative:
Dear Sir, Equifax did not address my previous consumer financial protection bureau complaint and did not resolve the complaint, where as closed XXXX credit card and loans information missing in the credit report since XX/XX/2018. I also ran Equifax credit report dated XX/XX/2018 and I did not find closed DCU credit card and missing XXXX Auto loans in the equifax credit report , which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response. Removing closed Auto Loans/Credit cards from credit report is a fraud and unlawful. Equifax interim response to CFPB on XX/XX/2018 that they were working on my complaint and response is in progress. Equifax again responded to CFPB on XX/XX/2018 that they mailed investigation report on XX/XX/2018 (  which is Sunday, Equifax also mentioned in the CFPB 's response that Equifax does not work on Saturday and Sunday ). Also, there is no investigation report and evidence attached to the CFPB 's response and I did not receive any Equifax Investigation Report dated XX/XX/2018/Evidence over the mail. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed/missing from the credit report. Could you direct Equifax to add/update my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years. I need the complete documentation and Equifax fraudulent investigation to submit to concerned courts and Law Enforcement officers. XXXX holds the complete legal accountability and responsibility for missing Auto Loans, my Vehicle VIN number and various other information related to these XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent  them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.

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 2018-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   XXXX XXXX  Penny Mac Mortgage XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX XXXX XXXX XXXX  Penny Mac Mortgage wan to pay all of the 2 months behind will not want to take one payment at time so I can at least be behind 1 payment instead of 2 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Too many dates to count- the debt is continually sold to other reporters when I explain situation and this debt has been settled and discharged. 
XXXX XXXX- {$2300.00}, 3 accounts- medical debt that was discharged and filed on my XX/XX/2015 taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: FL

Complaint narrative:
In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of Equifax breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of Equifax breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that Equifax is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with Equifax and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after Equifax XXXX   and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15 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: SC

Complaint narrative:
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XX/XX/XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$100.00} in overdraft fees. 
On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. 
On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. 

BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.

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 2018-07-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have contacted Commenity Bank on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is not my account - Bank of America # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.

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 2018-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( XXXX, XXXX, TransUnion, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXXXXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}

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