vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
There has been a mistake in billing in which XXXX has already resolved for me and cleared off my balance owed in my account, XXXX also notified Aargon that I have {$0.00} balance in my account but after 3 weeks Aargon still told me that I owed them money, they are trying to scam and harassing the consumer for money they don't owe.

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 2019-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
there are multiple problems with my accounts at Capital One which your website did not let me list them all : 1 ) They cancelled my checking account for a false " cause '' which was their fault, not mine. They paid a fraudulent charge when I had told them my account was dormant. They did NOT notify me that that took my account into the red, so I could not challenge that charge until months later. When I called their attention to it they admitted there was something very irregular with that charge. They removed it, but failed to reinstate my checking account. 

Capital One FAILED to notify me. They later gave me credit for THEIR error, but cancelled my checking account for " cause ''. 

2 ) They refuse to clarify if they submitted false credit reports against me. 

3 ) I told them to cancel my remaining savings account. They said they did in XX/XX/2019, but on XX/XX/2019 they spammed me about my " account ''. I discovered that the savings account is still open. 

There is no button online for me to cancel that account. They refuse to cancel it over the phone since I refuse to give them sensitive personal info about me. Obviously I do no trust them enough to give them that info. 
They're therefor refusing to cancel my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank the servicer of XXXX XXXX Credit card has been contacting family and associates of mines during the month of XX/XX/2019 and earlier even after they have been told not to on previous occasions. They are violating my privacy and any business matters I have should be with me not anyone else. They are also not complying with the Fair Debt Collection Practices Act as they have released information regarding my debt to non authorized third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had an credit card that I never excepted after it expired. It was a older account that I never received statements since I lived in my present address since XXXX. In XXXX of XXXX I was notified by debt collector I owed XXXX on a credit card. I reported to Citibank fraud that someone is using my account. I did pay XXXX on XX/XX/XXXX and updated my home and phone number which was not on Citi file. The only statement I received from Citi was XX/XX/XXXX with a balance of XXXX. My wife recalled using the account on 2 purchased XXXX XXXX XXXX for XXXX and XXXX XXXX for XXXX online purchase. I have no knowledge of any other purchases to create the XXXX balance.

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 2019-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I believe that I am part of the Wells Fargo Insurance scam that took place for many years. I had an auto loan through them and I can remember them MAKING me get insurance through them without my knowledge and forcing addition payments on me that I couldn't afford. Thus leading to an eventuall repossession on an impound that they wouldn't help me get out.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

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 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for a XXXX store credit card ran by Comenity Bank. I used the card and made on time payments. I closed my account and the phone calls will not stop. They harass other members of my family that live in California about my dept. They will call me with different phone number at least 15 times a day. I told them to stop calling me and they get rude and hostile over the phone. when I pick up the phone I know it is Comenity Bank because the first thing they ask me is if I have legal representation. I pay all my bills on a timely matter. It is getting to the point where I don't even trust them with my card number to make a payment over the phone. They call during the mornings, weekends, nights, and are very rude.I don't even know how they got my uncle 's number in California but I have the voice mail that my dad forwarded to me that Comenity Bank left my uncle. I told the one lady last month to send a bill to my house so I could make payment but I never received it, just alot of calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, My rights under the fair reporting act have been violated By Experian XXXX XXXX Bank and XXXX XXXX XXXX XXXX, i unsuccessfully disputed two accounts on Experian which are XXXX XXXX Bank and XXXX XXXX XXXX XXXX. XXXX  XXXX bank claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX bank with my name, and signature on it by they failed to do so yet Experian still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with Experian customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX bank verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX  XXXX bank says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with XXXX XXXX XXXX XXXX is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent Experian three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.

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 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was invited several times to apply for a XXXX  credit card, I finally did it and I was denied, the reason they said it was because I was late on my other credit card. I have all my statement I have never been late with them or any other card. When I called customer services they passed me from Business card department to customer service to XXXX  department etc 8 times without solving anything or showing proof of where I was late. when I asked to make a formal complaint or speak to supervisor they kept sating they couldn't hear me. I hang up and called again, the same thing happened when I asked to speak to a supervisor, suddenly they couldn't hear me. So they refused to prove i was ever late and refuse to take my compliant.

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 2019-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I recently pulled my credit report and found fraudulent account on my report. I tried reaching out to the COMPANY XXXX XXXX, received no answer or I am on hold for a long period of time. After finally getting through to someone, the conversation was not very pleasant, the representative on the phone was very rude. After stating my concerns, I reported that I want to file for an identity theft and as a result they hung up on. I have no knowledge of this account at all. Under the law I know it's my right report to equifax to remove any fraudulent account that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

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 2019-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am writing you file an official complaint against Carrington Mortgage Services this company is misappropriating funds in an attempt to foreclose on my home. All the information that I have received from this company is inaccurate and when I contact the customer service office, I receive several different responses none which addresses the question at hand. 
They are claiming of nonpayment of mortgage this is false listed on my payment history and my credit report. The information they have listed is invalid and not true. And Im requesting that they stop reporting this false information. They took over my loan in XX/XX/2019 and I have not missed one payment. They have created fraudulent charges to my account in order to justify their unethical practices theyve add to my account, property inspection fees, ( not performed ), late fees, ( not late ) applied mortgage payment to escrow and more. All in an attempt to defraud me and illegally foreclose on my property through fraudulent means. Attached you will find copies of checks for my mortgage that have cleared ( paid ) by my bank. I am not behind in my payment and should not be receiving threatening notices regarding foreclosure, I am seeking a remedy that would stop the threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO

Complaint narrative:
I submitted a payment on XX/XX/XXXX for my regular bill of {$98.00}. This is prior to becoming a 15 day late notice. I was not notified that my account or payment was sent back whatsoever by mail. 

Submitted a payment on XX/XX/XXXX to pay full amount of XXXX for the previous month and the current month, as I did not know, again, I was in arrears due to the non-notification by Heartland ECSI. 

Did not received 15 day late notice via mail as per FCRA states I should have. I am not enrolled for electronic billing. I have specifically requested mailed, paper billing for my records. 

Again made payment on XX/XX/XXXX for additional month. Was informed payment was processed and received. 

Was reported to Credit Bureau for a 30 day late payment, when no such late payment occured, nor was I ever informed, via written letter in the mail, of being delinquent whatsoever. 

Have several emails confirming my electronic payments were received! This is crazy! 

FCRA was violated by not sending 15 day, nor 30 day late notices via certified mail to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Dear CFPB, My rights under the fair reporting act have been violated By XXXX XXXX XXXX XXXX   and Rash Curtis & Associates, i unsuccessfully disputed two accounts on XXXX which are XXXX XXXX XXXX  and Rash Curtis & Associates. XXXX XXXX XXXX claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX XXXX with my name, and signature on it by they failed to do so yet XXXX still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with XXXX customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX XXXX verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX XXXX XXXX  says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with Rash Curtis & Associates is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent XXXX three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
The loan agreement that we have states that there is no pre-payment penalty. However, when received our 1st statement, it states that the loan has a pre-payment penalty. In addition, we did not receive cost of borrowing disclosures prior to the date of closing. All final documents were received on the date of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue : Chase has knowingly violated the Fair Credit Billing Act and Credit Card Act. 

Chase mishandled my XX/XX/2019 dispute for {$320.00} and rebilling me twice instead of refunding. Chase has been contacted XX/XX/2019 Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, {$320.00}, XXXX, transaction. The Chase dispute representative was advised that there was another transaction from XXXX XXXX of {$220.00} from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction {$130.00} and {$130.00}. Chase informed me that they would be issuing a permanent credit of {$320.00} for the XX/XX/2019 transaction. On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued ; however, this calculation is incorrect. The dispute representative cited that two credits were issued ; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019 transaction returns. Chase rebilled my account two additional times for ( {$320.00} ; {$270.00} ). I am disputing these amounts as they should not have been billed to my account. A refund of {$600.00} would resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has closed my account without notice or reason since XXXX they told me that I would get a check in the mail in 10 business days. It has been way over that time period today is XX/XX/26 Ive called many times including today they have hung up on me with no answer to where my money is. They are thieves. Please help

Company response to consumer: Closed with monetary relief