vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX  at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased. 

Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits. 

Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live. 

Thank you for your prompt action in addressing these concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: AZ

Complaint narrative:
My XXXX XXXX  XXXX XXXX : XXXX is lost/stolen, and theres {$1000.00} in fraudulent transactions on the account. The fraudulent transactions dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
Credit Corp Solutions has been attempting to contact me with spoofed local XXXX numbers. They began to contact my work number and on XX/XX/18 I sent them an email attempting to negotiate a settlement and also directed them not to contact me at my work number, as I am unable to receive these types of calls. I know they received that email because they contacted me on my personal number about it and I spoke to them about it on XX/XX/18 before deciding to try and speak to an attorney. Today, XX/XX/2018, I was called at work from a known number of theirs that theyve used to spoof before to contact me. I have asked them not to contact me at my workplace and they ignored that request. They have also threatened to send me to pre-legal which is not an actual legal action, and have threatened to damage my credit by reporting to the credit bureaus which they havent done yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a retroactive interest rate refund ( {$220.00} ) from CITI, XXXX XXXX XXXX, XXXX, OR XXXX. This refund check is issued in agreement with the Bureau of Consumer Financial Protection for flaws in CITI 's APR review between XX/XX/XXXX and XX/XX/XXXX. The contact number on the letter is, # XXXX. The escalation of the calls to this number determined that this is a company, XXXX that generates the refund checks for CITI. The customer service number on my CITI statement, # XXXX also determined that this is handled by XXXX. They could only explain the generation of the check and therefore, could not answer my questions. After 2 hours of inquires, I reach XXXX, Supervisor - CITI. My demand is to receive an audit of my account regarding the flaw and the correction that generated the refund. She advised that I would receive a letter. She was informed that another word salad letter would not be acceptable.

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 2018-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. 

XXXX bank says they could not identify " billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. 

XXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find " billing error, '' when the representative phone told me that the investigation would be one about " fraud. '' Bank tells me it has notified  credit institutions about my complaint. 

XX/XX/XXXX XXXX responds with the same generic message

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 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Repeated phone calls regarding my mother 's debt. Today, XX/XX/XXXX, at approximately XXXX MST, an unauthorized charge of {$590.00} was issued to my account to cover part of her debt. When called a reversal was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TX

Complaint narrative:
WHATS NEW ... .I just talked to Chase Bank about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my XXXX  Credit Report. I talked to CHASE they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how Chase Bank ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc
State: MO

Complaint narrative:
Never received any warnings. 
Called me left a voicemail. Didnt explain anything. Tried to call them but they constantly hanging up. 
Now trying to distroy my credit by opening collection account. 
Aggressive and uncalled for approach. 
How is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 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: Independent Savings Plan Co.
State: FL

Complaint narrative:
False and not agreed upon information was reported to the XXXX & XXXX  that hows now affected me and my husbands credit in a negative way. On XXXX, ISPC reported that the account we have with them that was " paid as agreed '' with the agreed upon amount by them and us was reported as a negative/adverse account. It was wrongly reported as " closed & not paid as agreed ''. They also reported the same negative/derogatory incorrect information with the date of XX/XX/2017 to XXXX. All the information reported to both of these credit bureaus is wrong and was not what was agreed upon after they received payment for the account. I believe there intent was after receiving their money, they wanted to ruin our credit maliciously which has now affected us in a negative way. I have made numerous attempts to reach out to them to have them correct the information on out credit and they have stated they will not change the information. They are sharks and scam artist with the goal of ruining peoples lives and credit with " 0 '' understanding and do not keep their agreements after payment received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: IL

Complaint narrative:
I submitted a written request for XXXX, Transunion and XXXX credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.

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 2018-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. 

Also, both accounts show the same exact account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: IL

Complaint narrative:
I submitted a written request for Equifax, XXXX  and XXXX  credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: IL

Complaint narrative:
I submitted a written request for XXXX, XXXX and Experian credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.

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 2018-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
WHATS NEW ... .I just talked to XXXX XXXX about the Fraudulant Application that was opened in my name which prompted a hard inquiry on my Experian Credit Report. I talked to XXXX they insured me they would handle this situation and even have the hard inquiry masked off my credit report. I accepted those terms just 10 days ago up until yesterday XX/XX/2018 where yet another fraudulant application was opened in my name again further damging my credit score. I am confused as to how XXXX XXXX   ensured me they would handle this situation because they already let another application slip by them. So now its my turn to call the shots

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 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I searched online for a loan a month prior to needing the loan I used an account that I do not have my full paycheck deposited into as I was entering the information online. when it came time to get the loan I went in and reapplied in person I was asked if I wanted to add an account to my contract I said no he then told me they have account information from a online application a month prior I again said no as that isn't even the account I would use when my bill became due they text and it was not what was discussed as I only wanted to make 1 payment a month not 2 the lady was real nice and changed my due date is what she told me I9 made a double payment on the due date we had discussed the following month I again got a text stating my bill was due I again called in and advised I can only do 1 payment a month the man was not as nice I told him I will make a double payment on my second check a few days later I got a over draft from my bank as he put a payment through on a account they should not of had on file and I did not give permission to run I talked to the district manager who has since insured me that the account is now removed but says the only way to recover my nsf fees is walk into the location of the people that she also told me she will reprimand this is causing severe XXXX and my account is getting more and more negative but she wont let me email it to her this is not right when they didn't even have permission in the first place and I called and said no and they just ran it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hewitt-Capital
State: CA

Complaint narrative:
I received a call and voice mail on XXXX18 at XXXX XXXX  pts from a women who told me she had my file and I needed to respond before her law firm filed a lawsuit against me and garnish my wages. Her name was XXXX phone number XXXX. I called and she told me over the phone that she is a law firm that was collecting a debt from XXXX XXXX XXXX for {$130.00}. And if I didnt make payments to pay her law firm would file to garnish my wages in XXXX XXXX court. Then stated I would have to pay {$900.00} for attorney fees. That I defrauded XXXX XXXX XXXX. 
I stated this is a debt collector she is not a law firm and is violating the fair debt collection act by pretending to be a law firm. I asked for her business information she hung up and her and a male coworker proceeded to play on the phone telling me Im stupid and Im bored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i have an equity line of credit with chase bank since XXXX when my payments went from XXXX to XXXX they have been double charging me not posting my payments and charging me late fees without letting me know I'm late. I'm never late if i don't have the money handy i pay when i get my XXXX  check which is the last wednesday of the month and i have a 15 day grace period according to chase my due date is the 1st i  spoke to someone in XXXX who told me to pay XXXX and id be caught up then in XXXX XXXX and XX/XX/XXXX i received bills for twice my payment amount in XX/XX/XXXX i received a letterstating i owed XXXX if ididnt pay i would be put into collection or have my home foreclosed on on XX/XX/XXXX i contacted chase and spoke to XXXX XXXX and she told me i owed XXXX not XXXX if i payed that my next statement would read XXXX but i would only have to pay my XXXX on XX/XX/XXXX i received my statement and it said i owed XXXX i contacted chase again and spoke to a mr XXXX who said i only had to pay XXXX and id be up to date so i made the payment by mail they still have not posted my check from XXXX i ent out on the XXXX for XXXX.hope you can help with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian ARG Inc.
State: PA

Complaint narrative:
" This message is for XXXX this is XXXX XXXX calling from the process division. I need to verify a current address as well as a place of business address to proceed against you at this time as you are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you oino the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX. and reference your case number XXXX '' I receive this message on a regular basis. The one time I called back they were rude when i wouldnt give them my SSN as well as stating they did not have to provide a leter when I asked for it.

Company response to consumer: Untimely response