vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-20 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: DC

Complaint narrative:
I have recently moved out of the US for good. As such I am closing most of my credit cards that I haven't used for a while and those that don't have any balances pending. 
As part of this I also closed an XXXX Amex Gold Card (XX/XX/XXXX18 ). I mentioned the reason for card closure to the agent as well. 

Unfortunately American Express claw-backed XXXX MR points that I had received as welcome bonus claiming that I was trying to game the system! I tried reinstating the card as well but Amex wont allow me to do that too.

I have been a loyal Amex customer for almost 2 years in the US and prior to that for 7 years in XXXX and XXXX. I have never tried anything that goes against the ToC. It is simply unfortunate that that I had to close one card within 6 months of opening! 

All I am asking is that the points to be reinstated as a goodwill measure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my account for no reason and took over {$720.00} in rewards from my account. My card was closed a day before my statement closed basically forfeiting an additional month of spending. I have been a XXXX XXXX XXXX member for several years. Not only is it unacceptable to close my account but to also essentially steal {$720.00} and with no warning at any time. 

I spoke with a customer service specialist who agreed that this policy is unfair and unacceptable, but unfortunately there was nothing he could do expect give me the corporate address to make a complaint.

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 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX : Huntington Bank Customer Checking XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EMBEZZELEMENTS, CRIMINAL EXTORTION, MISREPRESENTATION, MURDER Parents Estates XXXX COUNTY XXXX OHIO, XXXX XXXX XXXX XXXX Father LIVING, Mother XXXX XXXX XXXX XXXX COUNTY Estate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mascot XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX Bank {$300.00} US Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio Commute Huntington Overdraft Fees Food Items, Substitute Checks Ohio Court of Appeals Fifth District Court Filings. Experience XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX XXXX University

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. TRANSUNION HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.

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 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.

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 2018-10-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I discovered negative credit item, XXXX XXXX, Acct # XXXX, ( original creditor XXXX XXXX ) had been re-inserted into my credit file AFTER they were NOT able to validate it. CRAs are required by the FDCPA to notify me within 5 days of re-inserting a previously deleted account. No such notification was received. Please DELETE this item immediately.

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 2018-10-20 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I am contacting you to inform you that I am disputing the claim by XXXX XXXX XXXX that I owe a debt to them. My contract with XXXX XXXX XXXX had expired and I had a month-to-month arrangement with them. In XXXX of 2017 I informed them that I would no longer require their services as I was switching to XXXX. After much difficulty from them, I returned their equipment and my XXXX service commenced on XX/XX/2017. The XXXX XXXX XXXX bill was due on XX/XX/XXXX and by that date I was no longer using the XXXX XXXX XXXX service. The XX/XX/XXXX payment would have kept me in XXXX XXXX XXXX service up until the XXXX payment. I informed an XXXX XXXX XXXX representative that I was terminating my service with them and asked for instructions on returning the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
They are trying to collect a debt that was already paid by insurance ... .will not give me original creditors new contact info so I can provide proof.

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 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc.
State: PA

Complaint narrative:
AAS debt recovery, inc is reporting a balance of {$600.00} on my credit report. I have asked for a detailed description of what this is that they believe that I owed them or any company that they are trying to recover these funds. I HAVE NOT RECEIVED ANYTHING FROM AAS DEBT RECOVERY, INC IN A DETAILED DESCRIPTION WITH MY SIGNATURE. When speaking to a representative from AAS DEBT RECOVERY she asked for personal information that has nothing to do with what Im calling about and she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sell stuff on XXXX through my own company XXXX XXXX, XXXX. I use PayPal as payment processor. PayPal charge back my account for an amount of {$1200.00} for an item I sold on XXXX on XX/XX/2018. The customer who bought this item from me filed a complaint with his credit card company and asked for a refund on XX/XX/2018. According to an email I received from PayPal, they told me that the customer claims that the item he received wasn't as described, which was so strange claim cause the customer waited 4 months to file such a claim and he is saying that item is not as described!!!. I replied to the email I received from PayPal and told them that it doesn't make sense that the customer claims that item not as described after 4 months. PayPal told me in another email that they will try to dispute the case with the customer 's credit card company. However, a few weeks later I received another email from PayPal saying that they couldn't dispute the case with the customer 's credit card company and now they refunded the money to him, and my PayPal account is now overdawn by the amount of {$1200.00}. I emailed PayPal asking them to investigate this case again cause I believe the customer is scaming me. First, since PayPal already refunded the customer, I beleive I should receive my item back from the customer, but I contacted to customer and he is not responding to my emails. I also found the the customer who bought the item from me, now he is selling the same item as used item on his XXXX seller account. So, that customer got his refund, didn't return the item to me, and my PayPal account is negative with amount of {$1200.00}. PayPal also sent my account to a collection agency which I received a ltter from them few days ago. I tried to speak on the phone with anyone from PayPal but I am not able to reach anyone over the phone. I sent PayPal several emails to their complaint department stating all the facts and asking them to at least to get my item back from the customer or bring my money back to my PayPal account, but PayPal never replied back to my emails. The PayPal case is ( Case ID : XXXX ). The customer 's name is : XXXX XXXX and his email is : XXXX. I would like the FTC to get involved in this case cause I feel that PayPal is not responding to my complaint and the least they can do is to force the customer to return the item back to me since they refunded him the money. Sorry for the long email and hope to get response from you soon. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed my account due to fraudulent activity. A check for XXXX was deposited into my account XX/XX/18. I was out of town in Massachusetts at our family cabin where we dont have service, so I was I unable to check my account religiously. Besides I Left my card at home and I was unable to use it anyways. I got back on the XXXX and I ordered something from XXXX. I did check my account then but I did not see any suspicious activity. On the XXXX I received an email stating that I was being sent a new card which was extremely strange. I did call the bank hoping to speak to someone about the matter, it was pretty late so I didnt think to cancel my card or anything. On the XXXX I went to check my account and it was closed. I called Bank of America and they were extremely passive about the situation and they never informed me that there was suspicious activity being detected or call me NOTHING! Im extremely frustrated because my concern is what this will do to my credit or will this be something that affects my future endeavors. I would like for this to go away and open my, even if I walk away and join a new bank I do not want this to be on my record.

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 2018-10-20 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:
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

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 2018-10-20 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: GA

Complaint narrative:
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 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: GA

Complaint narrative:
I have no knowledge of the following accounts, nor do I have a contract with them, and according to the FCRA these accounts shall be removed from my credit report. ( 1 ) XXXX XXXX XXXX {$730.00}, ( 2 ) XXXX XXXX {$56.00}

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 non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.

My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them. 
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a check from a XXXX XXXX company. On XX/XX/18 I went to Wells Fargo at XXXX to deposit a check for the amount {$1500.00}. I received a text message notification from Wells Fargo at XXXX stating As of XX/XX/18 XXXX Eastern Time your available balance for account was {$1500.00}. I completed my XXXX XXXX on XX/XX/XXXX for {$1200.00} XXXX gift card. On XX/XX/XXXX I receive an alert at XXXX from Wells Fargo that states As of XX/XX/18 XXXX Eastern Time , your account is - {$1200.00}. I then go to the back after work to discover the check I deposited two days ago was returned. So I contacted the bank that the check came from told me the account for the check was fraudulent. My issue with Wells Fargo are their controls for depositing checks. How can a check clear the bank a day later to be return two days later. Are there not control measures that are used to communicate with other financial institutions to confirm the money is available in order to prevent a return check if there were no monies offered for same day use of check deposits made? I went to the back to get a copy of the check and the teller said I would have to speak to a banker but the bankers were completely swamped so I called the customer service line. The representative on the told me due to me depositing the check I am liable for the loss. The representative said my only option was to file a police report which I did on XX/XX/XXXX. The officer assigned to my case contacted me on XX/XX/XXXX to get my statement and asked for me to send all documentation I had from the scam. I did so and tried to get XXXX to release the location, date, time and product purchased in order to give the information to the police but was denied due to laws. XXXX suspended the gift card and which had a remainder of {$10.00} on it. I have not heard from the police officer I filed my report with since XX/XX/XXXX. The entire experience could have been eliminated if Wells Fargo would have use proper control measures to ensure the check was legitimate instead of waiting two days to figure out the check was fraudulent.

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