vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Every single day since XX/XX/XXXX, there have been several calls to my phone number. Yesterday, Sunday XX/XX/XXXX, I received 22 phone calls from them after on Saturday XX/XX/XXXX they were told I had XXXX XXXX and it was not known when I could pay. I am in a hospital right now and can't have my cell phone on because it is ringing soooooo much from them. I have never been late or missed a payment until this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have no idea who AR Resources is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AR Resources is indicating that an account with the account number XXXX  was opened with their company in XX/XX/XXXX and account number XXXX  was opened in XX/XX/XXXX. I never opened accounts with them or anybody else. These accounts must be a result of identity theft or someone opening accounts in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AR Resources as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AR Resources } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AR Resources, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not resolved.

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 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There had been fraudulent debits occurring on my Chase checking account. Chase refunded money the first time and recommended I close the account. Upon going to close my account, Chase told me my new account was to be downgraded and now subject to a monthly fee and lower interest income so I opted against it. The fraudulent debit has returned under a different merchant name and Chase is putting liability on me. Not only can I not contest, but I also have to pay for a stop payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes y
our company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

XXXX XXXX has violated the Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting  agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2018 I logged into XXXX XXXX and my XXXX   score plummented for unknown reasons. This is after I paid off a credit card. Equifax and their personnel are monitoring my credit reports and not processing my disputes. I had contacted the Georgia attorney general and received a letter regarding a specific person at Equifax.

I am demanding an investigation to why Equifax continues to report erroneous accounts and account data. Particulary from XXXX XXXX XXXX XXXX.

Equifax will be held accountable for their actions. For damages to my Art and reputation.

I am asking the CFPB to forward this compliant and to demand Equifax and their parties to stop abusive and deceptive debt collection and credit reporting per 1681 of the FCRA and FDCPA.

They are using my credit information and are jealous of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX with XXXX XXXX XXXX offering a Department of Education program that would reduce my payments up to 75 % and possible loan forgiveness. A program which I was pre-approved for the loan repayment reduction.Her advice was to act quickly because the program expired that Friday, XX/XX/XXXX. The call back number XXXX left on my voicemail was XXXX. A number that went to XXXX XXXX at XXXX XXXX. Whom i spoke with on XX/XX/XXXX. Her extension is XXXX.

I gave her my information as requested, including annual income and was provided with a loan repayment offer. The offer included administrative fees of {$1300.00} and monthly payments less than {$100.00} while getting the loan out of default and paying all remaining payments. A term of 10 years, nine months and no mention of recalculating the payment amount if my financial situation changed. As a result of that call an FSA ID had been set without my knowledge or an email address associated with it. Without answers to security questions or an email account associated with my FSA ID I was locked out of my account.

My concerns are as follows.

What if any is the relationship between XXXX XXXX XXXX and XXXX XXXX?

How did XXXX XXXX XXXX obtain my cell phone number which was not part of my personal profile with the Federal Student Loan database?

How was my FSA ID established without an email address associated with it?

The tactic of urgency used by XXXX in her voicemail to respond within 5 days because the pre-approved offer would not be available.

Complaint file with Department of Education, case # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I recieved bills from a collection agency onXX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is commonwealth financial systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
OnXX/XX/XXXX XXXX  notified me that someone had applied for a credit card in my name at Capital One. With XXXX XXXX   help we called Capital One to inquire and Capital One stated that an application had been applied for but the Capital One would stop processing and remove the credit check at the credit bureaus.

On XX/XX/XXXX, I received a letter from Capital One stating that I had been approved for a credit card containing a $ XXXX limit. The letter was sent to an old address in XXXX  VA, then forwarded to me. I currently live in XXXX XXXX FL. I called Capital One and was told to provide my issue in writing to them which i did.

On XX/XX/XXXX I received another letter sent to my old address from Capital One dated XX/XX/XXXX, stating that they did not see any fraud! When I called Capital One and gave the automated system my information it stated that my credit card had been approved and a card was being sent to me! I am asking Capital One to cancel this application that I did not apply for, provide me with a copy of the original application for the card and also remove the credit check they issued on my credit at the credit bureaus onXX/XX/XXXX. Attached are copies of my letters with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners Holding, LLC
State: TN

Complaint narrative:
I recieved bills from a collection agency on XX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Received a letter from the magistrate court of XXXX  County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of CITIBANK.

Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''.

The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed.

Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX   The law firm that sent the letter is XXXX XXXX XXXX XXXX XXXX  The APH File number is 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 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
OnXX/XX/XXXX, USAA Savings Bank deactivated/suspended two of my checking accounts and referred both accounts to their Financial Crime Unit ( Fraud Department ), and when I contacted USAA on XX/XX/XXXX, the bank representative told me that my accounts are under investigation for fraudulent activities by the financial crime unit. I have been a customer at USAA bank for six years and have a direct deposit account. Because my accounts are freezed, I'm having hard time using my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Team Recovery Inc.
State: OH

Complaint narrative:
I paid off a hospital bill to TEAM RECOVERY 3 years ago they refuse to remove it from my credit report even thro that was the deal if i paid it off, so i held up and paid it off in FULL so now THEY WON'T REMOVE IT ( LIERS ) it lowers my score and increases my INTEREST RATE FOR A HOME LOAN! How is it all 3 credit bureaus say its up to the reporting company TEAM RECOVERY TO REMOVE IT?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The company, " Portfolio Recovery Associates '', has been calling repeatedly for almost one year now. In reviewing, we have found no affiliation with this company and can not ascertain the need for them to continue calling our number. Despite a letter sent to them requesting that they stop calling, we received a call on Sunday afternoon, ( XX/XX/2018 ). This has become harassing and they simply need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: NC

Complaint narrative:
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

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 2018-03-19 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: NC

Complaint narrative:
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NC

Complaint narrative:
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

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 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
OnXX/XX/XXXX I mistakenly made two payments to hmf ( XXXX XXXX XXXX ) on XX/XX/XXXX I called Chase and told them specifically to only take bake the 2nd payment and only this occasion! ( have a witness ) Chase took both payments. 0n XX/XX/XXXX I made another payment and Chase took that one back as well. I find out Chase put a 180 day stop on those payments when told only once and told me it would definitely be only the one time. Because of that hmf carged me 3 {$30.00} fees for lack of funds ( which is not true ). I explained to hmf and they waived only one fee. I called Chase and they are only refunding one fee, leaving me with a fee that is not my fault! All of this is the fault of Chase for lying to me!

Company response to consumer: Closed with monetary relief