vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have disputed this deb on several occassions with this company. In my requests I have asked the company to provide me with specific information pertaining to the debt they say I owe as well as provide me with information giving them authority to collect this debt and report it negatively on my credit report. This company has not fulfilled my request, yet they still are reporting negative information on my credit report. I have advised XXXX that they are in violation of my rights in writing on several occasions yet they still report negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The Huntington Bank had a national news story break about skimmers on ATM 's in XXXX, Ohio. Following me making a {$440.00} cash deposit in an ATM in XXXX I has fraudulent transaction in my account. I've now spoke with 5 different representative including 2 supervisors who has all told me different things. First I was told they would expedite the fraud claim and it would be resolved within the business day. Then I was told the first rep could have reversed the pending transactions but now that my debit card has been cancelled they could no longer. Then I was told the rush could take up to 48 hours to resolve and could be as early as end of business day Friday of last week. Now I'm being told they have up to 10 business days before they will issue a provisional credit but could take up to 90 days to investigate. The different information and conflicting time periods have left me frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: IN

Complaint narrative:
I have contacted Experian on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
This company identifies themselves as Radius Global Solutions. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.

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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
Choice Recovery Inc. Balance owed is {$3100.00} original company attempting to recover money is called XXXX XXXX XXXX XX/XX/2017 I have called and sent in writing to please remove any type of debt occurred due to I have never opened or used an account with this company. Whomever has used my name or information is fraudulently using my info and it needs to be removed asap.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
This company identifies themselves as XXXX XXXX XXXX. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 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: IN

Complaint narrative:
I have contacted XXXX on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses except that they will not re-investigate what they are claiming is valid. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the Bankruptcy Ch.XXXX from my report as well as the account with XXXX XXXX XXXX XXXX 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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
For the last year I have been back and forth with the credit bureaus about a portfolio account that is reporting on my credit report that does not belong to me. The credit bureaus keep responding stating that I should contact portfolio because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with portfolio which I did onXX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according the USPS tracking, and they still have not responded to me and the account is reporting not once but twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Received my credit card bill yesterday and there was a {$19.00} charge from Transunion. 
We called last night to find out what this is and we were told it was for credit monitoring services " which we NEVER ordered ''. 

2 issues here : 1. Transunion fraudulently engaged the service and began charging us.

2. Their contract call center is nothing but a group people who lie.

As they speak with a foreign accept, they are no doubt outside of the US. The names they gave in sequence of call transfers were : XXXX XXXX XXXX XXXX XXXX  and XXXX. We did speak to one American. When we asked for real names and what country they were in they said they are not allowed to tell. This is ridiculous - we are giving our credit card numbers and SS numbers to heaven only knows where!

Second, we asked for information about who signed up for the service that they put on this account. We were transferred to various departments and finally the monitoring dept. XXXX stated she can not provide the information.

We have no doubt in our mind that Transunion is misusing their access to credit card information and fraudulently charging people for credit monitoring services. We did not sign up for this and certainly not a " subscription '' that would go on forever.

I am certainly this has happened to others and wanted to alert your agency.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX account XXXX   balance of {$880.00} paid in full by check XXXX for {$900.00}. Third party collection agency Pinnacle Recovery attempting to charge illegal 40 percent collection fee. There is no contract provision for collection fees and such fees are illegal according to Louisiana state law LA 9:3534. Vendor refuses to follow law, continues to pursue collection actions, and deliberately misallocated payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Security National Automotive Acceptance
State: IN

Complaint narrative:
I provided this company with a copy of court order advising them that this debt does not belong to me as the owner of the vehicle XXXX XXXX was ordered to refinance the vehicle and take my name off of it. The owner of this loan/vehicle did not comply with the order and instead of refinancing the vehicle he just failed to make the payments and then wrecked the vehicle and then the insurance company paid the vehicle off. I have made several attempts with the company to advise them on the situation and to get them to correct it. As they are reporting this account negative on my report however the information they are reporting is not an indication of my payment history or habits. The court order was made for XXXX XXXX to refinance the vehicle and I provided the company with information indicating this as well as copy of him indicating this had been done. It was not until this company reported negatively on credit report that I was made aware of this not taking place. I did not receive any notification from the company advising me that the account was delinquent prior to their reporting negatively on my report. I have made several attempts and requests to have the information removed as well as sent in proof of my not being responsible at the time of delinquency in the form of a court order and this company still is reporting incorrect/negative information on my report. I have never received a bill or any notice of this account in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CORELOGIC INC
State: MA

Complaint narrative:
I went in to the dealership to discuss purchasing a new XXXX XXXX. When doing so I told them that I wanted to talk about potential numbers and that I did not want my credit checked in the process unless we were close to a deal. We did not get close to a deal and yet the ran my credit through a company called XXXX  anyway. This inquiry was unauthorized. 

I called the dealership and they tried telling me that they can not do anything about the inquiry and that although the salesmen remembers me saying I do not want my credit pulled - it must have happened by the sales manager anyway. I asked if they could fix this and they said I would have to write a letter to the 3 credit bureaus. This is unacceptable.

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 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX. My phone number is XXXX and my e-mail is XXXX. On XX/XX/18I made a check payable to XXXX XXXX for work XXXX XXXX would be doing on my yard. XXXX XXXX   deposited that check via mobile check deposit, inadvertently into his Chase personal checking account.

Chase bank froze his funds and told him they were being held by the Reclaim Office Investigation Unit. The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX IL told him he would have to go back to me and have my bank place a stop payment on the item. This was branch manager XXXX XXXX.

My institution ( XXXX XXXX XXXX XXXX ) paid on the inclearing item onXX/XX/18. XXXX XXXX XXXX XXXX  indicated to me on XX/XX/18 that there was no legal or legitimate reason they would be able to place a stop on an item that I had written, Chase had negotiated, and they paid. Additionally, XXXX XXXX XXXX XXXX also informed me that they were past their 24 hour deadline to return the item to Chase as unpaid for any reason, including stop payment. XXXX XXXX XXXX XXXX  indicated that this is not the first time that Chase Bank in XXXX XXXX has advised XXXX XXXX XXXX XXXX to " reclaim '' an item on behalf of a check writer. XXXX XXXX XXXX XXXX kindly called the Chase Reclaim Office on my behalf and the representative told them that there was no way they could just give the customer the funds that were his that the issuing check holder had to place a stop payment. XXXX XXXX XXXX XXXX  asked the Chase Reclaim Office how they could illegally place a stop payment at this point. He indicated it was legal. XXXX XXXX XXXX XXXX assured him that was not a legal course of action and he indicated he could not say anymore but that was their policy. This entire conversation was recorded by Chase Bank.

My contact at XXXX XXXX XXXX XXXX is XXXX XXXX, CRCM and VP/Chief Operating Officer. She is more than willing to speak with a representative if need be, XXXX.

I as the consumer have {$1000.00} of funds sitting in Chase bank that can't be accessed and now work on my property won't be done. Chase bank is causing harm to both me and the landscaper ( XXXX XXXX ). XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus,  whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ). 

They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ). 

I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call

Company response to consumer: Closed with explanation