vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: DC

Complaint narrative:
To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

Thank you kindly, 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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started a new checking account with the Chase Bank located at : XXXX XXXX XXXX XXXX ; XXXX, FL XXXX on XXXX XXXX, XXXX depositing {$2800.00}. On XXXX XXXX I also deposited a business check into this " new '' account in the amount of {$1500.00}. On XXXX XXXX I received a letter/note from the bank that one of the deposited checks in the amount of {$1800.00} was " returned '' to the bank. This was not my check but a check given to me by a company named : XXXX XXXX, located in XXXX, NJ. Not to my knowledge ... this check was fraudulent. The bank charged back my account the {$1800.00} and added a " returned fee '' of {$12.00} against my new checking account. This left a balance of {$2400.00}. I received a call from the bank on XXXX the XXXX stating that my new checking account was to be closed because I was a new customer and there was a returned check already on my account. I was out of state at that time and returned 2 days later. XXXX XXXX : I went to the bank to inquire the current status of my checking account and was told by XXXX XXXX XXXX that my account was closed. I asked why and XXXX XXXX stated because the account was new and there was a check deposit which was returned, it was decided to close-out the account. I was not happy with that decision as I am a XXXX year old individual and wanted to bank at this Chase location because of its close proximity to my XXXX home. But no luck-the account was closed! I requested my balance of {$2400.00} and was told no! as it would be processed and mailed to me. I was angry : WHY? when the new account was closed ; and now my money is not available to me? So XXXX XXXX referred me to the bank Branch Manager : XXXX XXXX XXXX who came over to XXXX XXXX ' desk and when I told her I was unhappy with the bank 's decision to close my account ... that I would file a complaint. XXXX XXXX stated that she " would not talk to me ; not explain why I could not immediately receive my money '' because, as she said : " I was going to the authorities or social media '' and she left me alone with XXXX XXXX ... never hearing or answering my simple questions. My complaint is the attitude of the employees of Chase, especially the Branch Manager and that my NEW cheking account was closed and I still do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
XXXX XXXX 2017 XXXX XXXX XXXX {$65.00} i had health insurance to cover the cost

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: MD

Complaint narrative:
I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
open date XX/XX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I attempted to use the experian web portal to place a freeze on my credit report. I made two attempts, and the result of each attempt was a page stating my identity could not be confirmed and I would have to mail my information and payment to them by registered mail. Hence, no service was delivered at this time. 
Today I checked my bank account and found I was charged by experian for their non-service, twice. In attempting to call to resolve the issue I experienced call wait times over an hour and no resolution or refund. The service of locking my report should be free in the first place, I never signed agreement that they should hold or sell my credit information, and charging me without delivering a service is plain theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This DCI is trying to collect on a debt that is fours years old which belongs to XXXX XXXX XXXX XXXX. I talk to XXXX XXXX XXXX an the debt was paid as a result of a chargeoff. I complained to XXXX XXXX XXXX about there services which I found unsatisfactory and refused to pay due due to there services and call center which did not let me disconnect services. I tried to pay half of the bill but due to my unsatisfactory view was told it would be chargedoff. My credit does not show XXXX XXXX XXXX but DCi filed like if I had an account with them. I did not give permission to XXXX XXXX XXXX to sell my account to DCI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is the complaint I had lodged on XXXX/XXXX/XXXX : I spent {$25000.00} using my American Express XXXX XXXX card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my XXXX XXXX account and reported to XXXX the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my XXXX XXXX account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. XXXX asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. 
American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side. 
The company responded on XXXX/XXXX/XXXX stating the miles has been credited to my XXXX account in XXXX, XXXX, and XXXX respectively. However, the miles do n't reflect in my XXXX account. Nor does it reflect the dollars spent on the American Express XXXX XXXX XXXX on XXXX side. As I have stated earlier, there is a system problem in transmitting the information to XXXX. The earnings show on my XXXX statement. But, it does n't reflect in my XXXX account. I have talked to XXXX and it has n't received these transactions from XXXX. The problem is XXXX ca n't handle issues and it is feeding misinformation to the consumers. I have attached skymiles statement from XXXX XXXX to XXXX XXXX, XXXX for record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged on the card with number XXXX XXXX XXXX XXXX erroneously by XXXX the amount of {$100.00} on XXXX/XXXX/XXXX. I didnt know this fraud charge was there so i didnt make payments. Chase charged me an additional {$150.00} in late fees since then and ruined my credit. XXXX refunded the charge but chase has not refunded the late fees. I would like to have the late fees deleted and my credit record fixed in regards to these charges. Thanks.

Company response to consumer: Closed with explanation