vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my credit report to see a new account listed in collections from XXXX XXXX XXXX with account originating from " XXXX CHECK INTO CASH '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a check into cash XXXX nor have I made any kind of {$30.00} payment towards a XXXX loan. I checked online to see what the requirements were for application for a XXXX loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the XXXX loan company to approve the loan. Or this XXXX XXXX XXXX company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My complaint is with M & T bank about their 'collection ' calls. I was out of work for 4 months and got behind on my mortgage payments. I am now back to work, getting paid every other week. Even though I have provided a payment schedule to the bank for the next 3 payments, they continue to call me. The calls yesterday and today (XX/XX/XXXX ) were about my XX/XX/XXXX payment being late. I have filled out a complaint form on the M & T website as well. There is no reason to repeatedly call me when the situation or payment schedule I provided is not changing. Their calls and behavior constitute harassment and I want it to stop.

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 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX my husband, a XXXX XXXX dressed in uniform went to deposit XXXX in cash into my bank account to pay our Mortgage. We did not deposit a personnel check because we knew it would be a hold on the check and we needed to call our Mortgage company with payment. However with no notice completely by surprise he was told he could not make a cash deposit of any amount into my account. I would need to come to bank to make the deposit. When I arrived I was told the same thing by Manager. At this time my husband was called so he had to go. I ask the Manager and Service Representative for a copy of policy. They told me it went in effect in XX/XX/XXXX and I should have asked about deposits when I opened my in XX/XX/XXXX I informed them that I was was told about other products and monthly balance fees but this was not disclosed. I told them if I had known about this policy I would not have opened an account with Bank of America.I was than told they would call the police because I recorded the conversation because I wanted to get this on record from the Manager. I had just purchased checks from this bank on XX/XX/XXXX. If I could get them refunded I would close my account but since my mortgage was due and I needed to stop direct deposit I kept account open. However I told other Bank of America account holders about this policy and they are going to close there accounts because they are not aware of the new policy. I will also contact the news outlet so this information can be disclose to other consumers.

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 monetary relief
Consumer complaint received 2018-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
When Equifax had its data breach, I read about it and following their instructions, I put a security freeze in addition to an anti-theft program on my credit immediately. At that time my credit rating was around XXXX. 
Two weeks ago I was denied credit for a {$50.00} a month internet service!!!! I tried to correct this by phone with Equifax who would not help me at all, I have requested my report by mail but still do not have it. I received on XX/XX/XXXX, a written denial from the Internet provider and they report my credit score at XXXX. 
NOTHING HAS CHANGED since I put on the freeze.. I am flabbergasted that they can do this to my credit rating - all because Equifax negligently leaked my private information and I used the tools Equifax suggested to protect my identity and assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: VA

Complaint narrative:
I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a XXXX XXXX XXXX in XXXX and it was closed in XXXX due to non payment. XXXX supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to ARA. Never have I had an account with XXXX nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : XXXX XXXX  XXXX of Call : XX/XX/XXXX Debt : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. 
The company states they can continue to call me until I put it in writing. 
However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! 
I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. 
I just got another call this morning XX/XX/XXXX. This needs to stop. 
I have made a record of the dates and times they are calling and the numerous phone numbers used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
XX/XX/2018 my debit card was used fraudulently for a large number of purchase, approximately 29, and a dollar amount near {$5000.00}. I notified my bank when I discovered my account was overdrawn. I was never contacted by the bank as to unusual activity on my account or transactions that weren't consistent with my regular banking activity to see if I was in fact using my debit card for these transactions. When I asked why the unusual activity on my account didn't draw suspicion and the fraud department didn't contact me I was told because all charges were local. In the process of their investigation it was determined that some of the transactions were done by a family member who briefly stayed in my home and took the card without my knowledge. I was told if I filed charges with the police I would get my money back. I was given provisional credit after I complied with the banks request and filed a police report then a few days later the credit was withdrawn and the case closed. I was informed it was a personal matter and they could not give me my money back and I would have to personally try to get my money back from the individual involved. I never received any documentation from the bank concerning their investigation and what evidence they had that the individual identified had made all the purchases and why in a case of fraud I could not recover my money.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
I received block call unknown name & number asked To call XXXX Where a recorded voice states " WE have tried to contract several times and WE have recived several complaints in our office " call XXXX. Upon calling I asked for paper work. was told to do the work myself and I would be sued

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I purchased a XXXX debit card -the following day XXXX was stolen from the card -my understanding is, If the vendor refuses to give the money back -I am not protected. visa, XXXX, and XXXX XXXX is giving me a runaround about refund of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I did a refinance for a lower rate. I supplied my current mortgage statement and the current tax information for that year up coming taxes. The broker XXXX XXXX with XXXX   XXXX XXXX, wanted to under cut the competition and got me a lower monthly mortgage by cutting my escrow in half! Thus making my mortgage escrow account short shortly after that thus increasing my mortgage by {$500.00}! Now I pay more than I originally did a month! This refi happened XX/XX/2017.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a Chase Bank Visa in XXXX and it was closed in XXXX due to non payment. Chase supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to XXXX. Never have I had an account with Chase nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : Chase Bank Date of Call : XX/XX/XXXX Debt : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MS

Complaint narrative:
I received notification from the credit bureaus that a debt collection was added to my reports in XX/XX/2018. I did not receive any prior notification of this debt nor was I allowed time to dispute this collection. I do NOT have a contract with this company. I called the company in XX/XX/2018 and spoke with XXXX XXXX, and she stated that she was a team lead and that they did not have to notify me prior to reporting to the credit bureaus. I am requesting that this collection is removed immediately from all three credit bureaus.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Spoke with XXXX XXXX at Portfolio Recovery to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/XXXX and final payment was made on XX/XX/XXXX.  I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: CITIBANK, N.A.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-06-28 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX had my car repossessed after payment was received and illegal accessed my credit report for impermissible purposes not covered under the FCRA guidelines. They did not obtain my written consent to do so as well. So in addition to them taking my car that has been paid for, accessing my credit report without my express written consent ... they also never sent notice via mail nor email of a repossession order nor intent to repossess which is against the law in Texas. XXXX XXXX has not communicated with me by phone, mail, or email since XX/XX/XXXX. Any address change has and was reported to them. Not once have the reached out. Then to be told they placed a repossession order out on XX/XX/XXXX is outrageous. They have more than violated my consumer rights but they have also not followed the law and federal guidelines. Under the FCRA laws, permissible purpose does not extend to auto finance companies with no purpose of opening a new account. Using an individual 's credit report to obtain personal information with the consent of that individual violates their consumer rights under the law.

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 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a copy of the letter I sent to Chase bank. 

XX/XX/XXXX Dear Chase Bank, I am a customer with Chase bank. I am a victim of a job scam and bank scam. 
I got a job offer from XXXX XXXX XXXX XXXX in XX/XX/2018 which I thought was a genuine company. They said they are an Escrow company. 
I completed my employment registration and was given tasks to make payments to clients involved in escrow. 
The company sent the money into my Chase checking account through XXXX for me to give to the escrow clients. Because I was not required to deposit checks into my account or to spend my money I thought everything was genuine. 
I did not receive any salary or bonus from them. 
On XX/XX/XXXX I found out my Chase checking account was frozen and I called Chase bank who told me someone told them the money deposited into my account was not authorized by them, Chase bank told me the froze the account to conduct their own investigation. Then I realized I was a victim of scam. 

The scammer called Chase bank to make himself or herself the victim and me the culprit to get back all the money they sent. I am the real victim with sleepless nights and my bank account frozen and reported to XXXX. I waited for weeks for the bank investigators to contact me and hear from me, no one contacted me from the bank. This is where Chase bank erred, if they had contacted me to find out my story they would have got to the bottom of finding the culprits before making a decision to revert the payment. 

On XX/XX/XXXX Chase bank reversed the payment to the scammer leaving a very huge deficit in my checking account. Did the scammer tell Chase I stole money from their account even when they paid it themselves. So I filed a claim with Chase bank on XX/XX/XXXX for Chase to look at my evidence and find out the real culprits before they get other victims. I called Chase bank again on XX/XX/XXXX where I was told to submit copies of my evidence to any Chase branch manager in XXXX, Texas. I was able to do so on XX/XX/XXXX. Also see Case Number- XXXX XXXX XXXX where all the evidence to support my claim was provided. 
Hoping the deficit will soon be reversed. 
Thank you for your consideration. 
Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TX

Complaint narrative:
I have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to XXXX, TransUnion, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( XXXX twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.

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