vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On the evening of XX/XX/2019, I called Bank of America Credit Card services ( XXXX ) to activate my credit card account. I called the number on the back of my card, and followed the prompts to activate my card, after I completed the prompts I was automatically transferred to a Bank of America associate who asked me for the last 4 digits on the back of my card. I proceeded to provide those last 4 digits, upon after a very short moment, he replied " Your card is activated ''. The next day XX/XX/2019, I arrived at XXXX XXXX Rental to rent a car for which I had a reservation. The XXXX XXXX associated swiped my card for the rental upon which I was notified the transaction was denied. I contacted Bank of America card services regarding the denial, and they stated that card with the same 4 digits I provided a prior Bank of America associate to activate was reported lost or stolen. I found some mail which was unopened and mistakenly assumed it to be new card, which I successfully ( according to associate ) activated on XX/XX/XXXX, but it must have been the card in question. I stated with them with great dismay, that I am " stuck '' at a rental car agency with a card you activated, a simple reply of " that card was reported lost or stolen '' or " we can activate that card '' would let me know that I had the wrong card. Instead, " it is activated '' and I clarified with him that it is ready to use, put me in this predicament on XX/XX/2019. I clearly articulated my dissatisfaction of the " activation '' and the predicament that I am in. The associate offered to sending me out a new card to my location, however the time frame he articulated would not serve my needs as I was leaving the next day and it would arrive after I have left. In a letter dated XX/XX/2019 that same day, Bank of America stated they are closing my account, which had either a negative balance or a very low positive balance. I firmly believe this is retaliatory business practice, that may have affected my credit, and is irresponsible and unconscionable by a large bank with extended reach. I believe its intent is to intimidate consumers from raising flags or complaining because they are such a large institution. I firmly believe that in unacceptable in these United States of America, a country of the people, with a government for the people and by the people. A simple apology, and " a what can we do for you for our unfortunate mistake which left you without options '', would have sufficed. The card in question ended in XXXX. However, they closed my account with a new account number ending in a 4 digit number of attached documents.

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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
For the past 5 years I've been disputing debt that I've NEVER owed. I have the bill from the dentist showing that I absolutely owe him nothing!!!!! I've disputed the amount with XXXX  for years but they never provided me with anything, no documents or even any explaination. I've requested to see what I supposedly owe, and again nothing! I've had it!!!! I'll see Justice via trial by jury as I'm entitled to under the 7th amendment. I not only want this fraudulent collections account removed, but I also require monetary compensation of the same amount!!!!! Enough is enough you thieves!!!!!

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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: DC

Complaint narrative:
I was contacted by PAYACEI regarding a debt to the UNiversity of XXXX XXXX XXXX. The bill was for {$360.00}. At the time Univ of XXXX sent the debt to this collection agency, I had been paying ( {$150.00} ) and was nearly halfway done paying it. After being contacted by PAYACEI, I paid them the remaining {$210.00} I will owed and wrote " paid in full '' on the check, which was subsequently cashed. To my dismay, ACEI contacted me AGAIN about the now paid in full debt. I asked them to cease and desist and provided proof of all payments in a certified letter. They then contacted me again despite my request that they cease and desist. I refuse to pay MORE than what I originally owed. On XX/XX/XXXX, PAYACEI put 4 different negative collection accounts on my XXXX report -- ALL of which are untrue.. Again, this account was paid in full as of XX/XX/2019 when they cashed the final check for {$210.00}.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
*** XXXX*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenedXX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$1000.00}

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive submitted a complaint before for transUnion about a fraudulent account called XXXX XXXX on my credit file. Complaint ID XXXX, transUnion responded that the account has been removed. Today after I get my credit report from transUnion, I found the entry was still there, only they changed their name to XXXX, but the address and phone number still is XXXX servicess. My question is, why transUnion didnt remove this entry, but claim to CFPB that the entry has been removed? And why transUnion didnt even verify a companys name, and allow them to report fraudenlent information under fake company name? I would like this fraudulent account to be removed from my credit file permanently and Im considering legal actions at this point against this company. 

TransUnion response to my previous complaints : Company responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response After reviewing your complaint, our records show that the XXXX XXXX XXXX # XXXX account you disputed does not currently appear on your TransUnion credit report. Also, the name of XXXX XXXX is no longer appearing on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax refuses to verify my ID, i've sent registered mails to them proving my ID to remove fraudulant hard and soft pulls on my credit. XXXX  was able to remove them but not Equifax. This has been pending 4 Months+

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Solutions, LLC (KY)
State: NC

Complaint narrative:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I dont think that all of the debt on my credit report is correct. Medical bills are false I always had medical insurance. XXXX bill I paid my last bill and discontinued the service. XXXX XXXX student loan is fraud Bcus that school is shut down completely and its illegal to sell my student loan to another creditor without my consent.etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit card company, XXXX XXXX, stating I had a derogatory account on my XXXX  report. The only information listed is Portfolio Recov Assoc, reported on XX/XX/XXXX, amount of {$990.00}. 

I have not received any notice by mail or email or phone voicemails from Portfolio Recov Assoc.. I do not understand how they can report anything to any of my credit reports without contacting me first.

This is alarming since I had a unusual company contact me last year regarding a very old bank account. After investing XXXX XXXX XXXX, they were attempting to collect a debt without any proof. I submitted a complaint to regarding XXXX to the Ohio Attorney General. The company reposted they would stop harassing me or collecting such debt. 

Is this related to such account? I have a document dated from XX/XX/XXXX stating they would not make contact with me anymore. Is Portfolio Recov. Assoc. have any relation to such a company? 

I also had fraud on my XXXX XXXX card that was in collections for several years. I have a letter from XXXX ( XXXX ) stating the fraud department investigated and resolved the matter on their side. 

Not sure if this is fraud, a scam, or other issue. When I had the issue with XXXX XXXX XXXX, they were threatening and harassing. This company, has done the opposite. They have not sent me a letter, or email. I have had the same email for many years and I have lived at the same address the past 20+ years.

Any advice and assistance would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I closed my account with Citi in XXXX of 2019 with the understanding that I had a {$0.00} balance. Out of nowhere I get a ebill showing a {$300.00} balance. A pending charge went through right after closing my account and since this wasnt paid Ive been accruing late fees ever since. I didnt receive any notice of this until here recently. Customer service is only willing to remove one month of late fees even though Ive not received any correspondence up until now. Now we owe {$300.00} for a {$90.00} charge we had no idea was going through when we closed our account.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC
State: SC

Complaint narrative:
Third Request : I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached. 

I have also included my attorney on this case again because the collector is violated the fcra laws and is refusing to remove the collection account from my credit reports. 

My attorney below will be handling this case going forward

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.

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 2019-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
When apply for the loan I knew they were high interest rates however when speaking to the employee by the name of XXXX he didnt explain to me of really high interest rates 100-179 % interest rates. From what was explained to me on the last two days from customer reps and supervisors Ill be owing {$18000.00} for a {$2600.00} loan. They always say we recommend to pay As soon as possible not everyone is made of money. Being new to ever receive a loan like this I was not very knowledgeable but as a company and its honesty to its customers. They are scammers they mislead and they are shark loan. They XXXX so many ppl over. Please please anyone beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I have filed a FTC report and Police report for fraudulent account I have attached WAKEFIELD AND ASSOCIATES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( Chase ). Although the account is closed I have not received written confirmation from JP Morgan Chase .I would also like the know the charges that incurred with the fraudulent card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Was trying to get a free credit report from TransUnion, and when I was making an account to get the report, I got charged for a monthly subscription even though there was no indication that I was signing up for one. They did not make it apparent at all that I was purchasing a subscription, and I was unable to find a way to even cancel the subscription.

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 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I was notified by your company on XXXX regarding an alleged debt. I do not owe this debt because I possess successfully processed wire-transfer documentation from a financial institution to your client occurring in the 1st Calendar Quarter of 2019 that paid the debt in full. ( XXXX, Reference : XXXXXXXXXXXXXX Trace : XXXXXXX ) I request all of the following information be provided to me by Registered U.S. Postal Service mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation describing debt dispute procedures.

4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in Texas. 

I request all of the following action be completed by your company and your client within 45 calendar days of receiving this letter : 1. Removal of my name and email address from any and all of your mailing lists.

2. Removal of this debt collection activity from any and all credit reporting agencies 3. Respond in writing apologizing for this fraudulent activity to me by Registered U.S. Postal Service mail.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

Because I have documented proof that this debt was Paid-in-Full at a far previous date through an established financial institution, any action by your company or on behalf of your client to pursue collection will be considered a knowledgeable, willful and malicious scheme to defraud by attempting to collect a non-existent debt utilizing interstate communications through and effecting a financial institution. 

Your activities and those taken in concert with those of your client, constitute an on-going pattern of harassment that has taken place over a period of over 18 months and must stop immediately. I will use any and all legal means to ensure that the lawful penalties for the above-mentioned violations of United States Federal Code are enforced, to include allowable punitive damages. Legal-Liability Company status is nullified in cases of criminal activity.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification as described above, you will also be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

Company response to consumer: Closed with explanation