vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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: Professional Recovery Management
State: TX

Complaint narrative:
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX   mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I discovered that my account with TD Bank account ( XXXX ) was frozen, It was in conduction with a State Tax Issue. After speaking with the State representative I was informed that they Faxed and Mailed the notice to the bank XX/XX/XXXX. the bank is saying that they didn't receive the notice until XX/XX/XXXX. I however had already made contact and arrangements with the State tax rep on XX/XX/XXXX. Td Bank didn't process the Levy until the XX/XX/XXXX. However after doing some research those fund in TD Bank should not have been allowed to be frozen. First the deposit came after the notice from the state. Secondly they did not verify where the funds came from as they are my Military XXXX pay from the XXXX. I have contacted the Levy Dept at TD Bank numerous times to  resolve the issue. As they are now charging my account with over draft fees too. 
I spoke with the State Tax Rep.today and all frozen money is being released. understanding that is a blessing. However I believe that TD bank should have protected my account and not allowed my VA XXXX pay to be frozen. As according to your web site and regulations they should have prevented them from being frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Telerecovery Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. 

Telerecovery ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. 

XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.

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 2018-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I tried to access my accounts online, I found out they were frozen. I attempted to contact Capital One via phone calls, email, letters and I have gotten EXACTLY NO RESPONSE from anyone from customer service all the way up to the CEO. 

No one has called me. 

No one has emailed me. 

No one has sent me a letter. 

I recieved no acknowledgements to my emails, phone calls or letters! 

This not how a bank is supposed to operate. I have a right to know what is going on with my money.

I called Capital One on XX/XX/XXXX, someone was supposed to call me.

I email the CEO on XX/XX/XXXX, and no response.

I emailed the XX/XX/XXXX and no response or acknowledgement.

I sent a letter via usps to the CEO and again, no response.

I called the executive offices and all they could tell me was send an email to the officeof the president.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company twice that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
When booking a flight with XXXX XXXX back in XX/XX/XXXX, I was offered a discount and travel miles if I applied for their CitiBank XXXX credit card, which I did. Typically, when this is done, an account is opened for approval and the travel charges are made to the card. This was not the case here. I was informed I would receive a card in the mail in 7-10 business days. I received an explanation of my benefits ( in one mailing ) and my pin number ( in another mailing ) but no card. When I called to inquire, they said nothing more than " the card was sent back. '' I asked them to instead send it to my work address if there seemed to be a problem, and they said they would have someone call me back to verify my identity for security reasons. I received no call back. Then, I called again, and was told they would re-mail the card. Nothing. I called again, and they said a manager would call me back. Nothing. Today, I called to close my card and they said they can't do it without verifying a text code that they sent to my cell phone, which I never received. I asked to elevate this to a manager, and they said no one was available, and somebody would call me back. I just want to close the [ expletive ] account. If these offshore phone banks are their idea on how to deal with customers, I want no part of this banking company and intend to do business elsewhere. However, I need to close my account and no one will help me. Please help! 

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: TX

Complaint narrative:
I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please refer to CASE # XXXX which was closed by CHASE without any resolution to clear my credit ratings with four major companies. 

My goal for case # XXXX was to make a negotiated payment amount, given the one and a half years invested to find the " loan '' account. I wanted to know how to negotiate to pay off the amount, as well as, an explanation as to why my checking overdraft was listed as a mortgage loan. I do not own property. No resolution and my case was closed. 

What transpired : I was resent a letter from XX/XX/2017. The reissue and XXXX of letter was not necessary, given I had already invested 6 hours in calling the CHASE phone numbers listed on the letter in XX/XX/2017 at which time the contacts ( again ) could not find my account so that I could begin to pay. My financial counselor recommended I file complaint after she, her supervisor and myself spent over a year connecting with a CHASE representatives. 

The last few months have been spent leaving phone messages at XXXX XXXX for : ext XXXX & ext XXXX. I have repeatedly asked for a time I could call them. 

The amount owed is {$1600.00} less fees. 

Chase has not helped me find the " mortgage account '' to pay off or negotiate the amount to clear my credit score. 

Rough itemization of my time invested to make good on my misfiled, lost debt is approximately 50 -  60 hours at $ XXXX/hr {$3700.00} - {$4500.00}. I have a log of my time invested. I would like my {$1600.00} debt cleared off all four of the credit bureaus. I have tried to do the right thing and pay my {$1600.00} debt, however none of the employees I have spoken with can find the account or let me know with whom I can negotiate a revised amount or resolve in another way. 

I am most disappointed by the ineptitude of SALARIED employees, their inability to help me finalize my debt and clear my credit for a new future. My initial debt came from numerous stressful situations surrounding my own health, caring for my mentally ill mother and her untimely death. ( see first complaint letter case # XXXX ). 

My only recourse is to photocopy a year and a half worth of Chase form letters, " documentation '' received and my journal of phone logs to XXXX a package to XXXX XXXX, CEO of JP Morgan Chase for his the executive assistant to " escalate ''. My experience with CHASE will make an excellent case study of the aftermath of mortgage crises, an individual consumer experience. 

Thank you for your consideration. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
FEIN SUCH AND CRANE Attorney 's for XXXX have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since 2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX " XXXX '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: TX

Complaint narrative:
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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 2018-04-06 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:
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One closed my new account after I tried to make payments through my bank. On their end, Capital One had my name spelled wrong from my correctly spelled application. When they tried to submit for payment to my bank, which I authorized, it automatically rejected them because of the typo. I informed Capital One of the error and they claimed to have fixed the typo to correctly match my information, so I tried again. The bank rejected it again and when I spoke to representatives, they said Capital One submitted the exact same information and did not correct the typo, so the system automatically rejected them again. But Capital One still closed my account for their error. I tried to resolve this with Capital One and have the account reopened, but was not able to. I continued to pay on the closed account bill even though they were at fault for the error, and have made payments since, except for last month ( bill due XX/XX/2018). Yesterday ( XX/XX/2018 )  they filed with the Credit Bureaus, claiming I am 60 days behind, even though I paid the regular bill for the previous month. And they have tacked on fees bringing my bill back up to the original credited amount of {$300.00} even though I have paid {$200.00} on the bill so far ( I only used the original {$300.00} ).

Company response to consumer: Closed with explanation