vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
I attempted to pay off my collections of {$280.00} I mailed a money order with the exact amount of {$200.00} for one specific account # XXXX on XX/XX/18 I called several times to try and have a receipt emailed to me and received the run around with 5 different collection operators telling me they sent it already, check my spam, check my trash, this went on for like 2weeks. never received it to this day asked to speak with supervisor and was given several different male operators that claimed to be supervisors claiming to have emailed too many times and it must be my computer they would just send a paper receipt. waited another week and received several letters that did not show payment nor the exact account I sent my money order for. so around the beginning of XX/XX/XXXX I attempted to call them back and was today this time the money was spread all over the other accounts which are copays at this point I just broke down cying saying how could that be my money order had a specific account # on it and the supervisor told me it was too bad I just should of payed with a credit card and I went on to explain do not own one I need to speak to another supervisor. I was given another female who said she was the supervisor and was so sorry this happened and she would fix the problem and that the good thing was the money could be moved back to the account I sent it for and she would so. I explained to her I had an underwriter waiting for the receipt by the end of the week and could not believe this was happening for such a small amount. as I was talking to her she said she fixed and mailed it out now I am still waiting on the same receipt still calling and speaking to the same 5 collection operators and getting the same run around and the female supervisor that promised me she fixed it and mailed the receipt will not speak to me and our underwriters are atill waiting and were at the end of XX/XX/2018 and still waiting and still like a fool praying for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: UT

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

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 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX  that my personal information was in fact compromised during the 'XXXX  Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: UT

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

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 2018-10-18 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: UT

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The Original Creditor ( XXXX  XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/2013. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORTED on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello! 

I have been a Chase Bank user since my parents let me get a debit card in High School. While I have had mostly amazing experiences with Chase Bank, today was really hard for me and it makes me think twice about Chase and the fraud protection they offer to their customers. Or, lack there of. 

On the morning of Thursday, XX/XX/XXXX, I went to go buy tickets for my favorite artist, XXXX who would be performing on Friday, XX/XX/XXXX at the XXXX in XXXX XXXX XXXX, Utah. When I went to the website to try to buy tickets, I noticed they were sold out. This scared me, because I knew I couldn't miss the show. So I proceeded to go on XXXX to see if there was anyone selling tickets. Having been scammed by a scam artist one other time, I was trying to be extra careful when looking for tickets. My boyfriend XXXX, and my friend XXXX both wanted to go as well, and trusted me to find the tickets. I came across a girl named XXXX who seemed to have a decent profile and I texted the number she included in her post. I will attach our texting conversation in this thread. I told her I was looking for 3 tickets for me and two of my friends. She told me she had 4, and could sell me 3, for {$45.00} each. I told her I recently was scammed and didn't want another experience like that, and she proceeded to send me the ticket confirmation email as proof. I believed her. I asked my boyfriend and my friend to XXXX me {$45.00} each, and they did. The girl wanted me to pay her via XXXX, which is something that Chase Quick Pay owns. I had her email, and her phone number, so I thought even if this was a scam, I would be okay, since Chase has all of their information. Right? Wrong. I paid the girl, and she told me she was sending me the tickets. Well, they never came. I never got them. I called the girl, call rejected. She blocked me. She deleted her XXXX, so I wouldn't find her. 

I called XXXX, sobbing. {$130.00} down the drain. How do people do this to others? Is this what they do with their lives? Does this make people happy? When I told them what happened, the lady over the phone said " There's nothing we can do. '' I'm sorry, what? You literally have a phone number AND and email attached to this person 's account, and you can't track them down and flag them? It was just a simple NO. How could Chase Quick Pay own XXXX and work with XXXX if they can't find a way to track down scammers? I am not putting up with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am the owner of AMEX credit card and charge card, I do get some welcome bonus, which is Membership Rewards earlier. At the beginning of XXXX, I was tried to transfer some Membership rewards to XXXX XXXX miles, but it shows " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Meantime, I tried to fix this problem with AMEX MR team many times, they all gave me same response, " we can not do anytime about it " " you have to wait until the process done '' I also ask how long it will be taken, customers services always they are not sure how long it will take, this is very SAD!!! because of this REVIEW, I missed two trips with my friends. Today, ( XX/XX/2018 ) I am still trying to fix this problem with customer service, and I still get the same response, ( I can not do anything for you ), then I ask for speak with the supervisor, I hope the problem will be getting solved, BUT the supervisor say exactly the same words to me as well. THIS IS SAD, VERY DISAPPOINTED!!!! 

I am so sorry I do not know how to organize my words because of my limited English.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC
State: OH

Complaint narrative:
Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Card check my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a XXXX XXXX representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.

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 2018-10-18 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: NY

Complaint narrative:
On XX/XX/XXXX, I started an online chat with XXXX XXXX regarding some confusing messages I'd received about my Perkins student loans. Their website says my account is in forbearance till XX/XX/2018 ; but I received a bill showing a balance due next month. 

When I applied for the forbearance, it was my understanding that interest will continue to accumulate on the account, but you don't have to pay it till the forbearance is done. I spoke to XXXX via chat and she said that my account was actually past due and that I needed to pay. While chatting, I XXXX  the terms of a Perkins Loan forbearance and found three sites [ plus the Perkins Loan forbearance form itself ] which say that while interest will continue to accumulate, you can wait till the forbearance is done before paying it off. 

I confronted XXXX with these facts. She then said that was what she said. I copied and pasted what she ACTUALLY said. She proceeded to apologize, confirmed that I was right, that my account was in good standing, and kept telling me that she was in training. I demanded the name of her supervisor ( XXXX XXXX ) and was told that I could call to make a complaint. I attempted to call XXXX and was on hold for 7 minutes before I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
BACKGROUND INFORMATI XX/XX/XXXX XXXX XXXX XXXX  USA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 2018-10-18 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.

The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.

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 2018-10-18 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them 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
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.

Company response to consumer: Closed with explanation