vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2017, I attempted to contact XXXX XXXXXXXX XXXX to cancel my month to month membership on multiple occasions, never receiving a return call from my membership representative, XXXX XXXX. I relocated away from the gym, and have not been on the property since XX/XX/2017. 

As a last resort, I went ahead and contacted Bank of America to place a stop payment on the automatic withdrawal being removed from my account. After Bank of America went through their 90-day due diligence process, they successfully completed the stop payment, and returned all funds to my account. 

After receiving collection notices from XXXX XXXX via my email, I contacted XXXX XXXX ( Corporate Collections ) via email to notify her of the situation. All of the sudden, on XX/XX/XXXX {$330.00} is deducted from my account. 

Bank of America informed me that there is nothing they can do about this, since, " XXXX XXXX changed their name on the ACH in order to get the charge through ''. Bank of America also told me there is nothing they can do to get my money back, even after a successful stop payment was placed on XXXX XXXX. I would need to change my account entirely. 

XXXX XXXX informed me they will not return my {$330.00} as my membership was active, and only formally canceled when XXXX received my email regarding the situation. 

I will be closing my Bank of America account, as this is a complete disgrace to their attention to customer account security. As far as XXXX XXXX, their behavior, customer service, and collection tactics are simply " criminal ''. 

I'm never one to complain, but I've been driven to the edge on this situation. One company will go to any length to bill for services never rendered, and a bank unable to protect its most valuable assets, it's customers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 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: FL

Complaint narrative:
I am asking to Experian open an investigation for having a wrong information in my credit report, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. Experian is putting in the credit system that I have an record public with " XXXX XXXX XXXX XXXX XXXX XXXX. The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. That account is from 2017 and I have never had a bankruptcy. Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged record public. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. Have an information inaccurate or incomplete items in record public and credit history have serious consequences. Please delete the misleading or inaccurate information. Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

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 2018-05-16 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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:
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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:
Letters sent out to the bureaus and nothing changed : XXXX XXXX   {$110000.00} XXXX XXXX XXXX : $ NO INFO

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 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my 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 explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
No information or proof of signature regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: SC

Complaint narrative:
I called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXk XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX I wrote to all 3 credit bureaus asking for their method of verification as it pertains to verifying a bankruptcy. Instead of replying to my requests within the required15 days, XXXX, XXXX and Transition, made a decision to ignore the 15 day reply for my MOV request as well they took it upon themselves to update all my credit reports by verifying my bankruptcy and giving my public record a new updated date. I did not request a dispute on my public record, all I had asked for was their MOV. I am aware that the credit bureaus receive their information from third party companies, In XX/XX/XXXX, I placed a security freeze on all of them, including XXXX XXXX. I am quite upset that the credit bureaus lied and told me that they verified my information. How is it, that they can verify my information, if my personal file is frozen? Idid not want to give them the opportunity to change their answer or do anymore damage to my credit file for this unverifiable information. Transunion lists my public record was updatedXXXX, XXXX, lists my public record update as XX/XX/XXXX, XXXX has not updated my public record, but they also have not sent me their MOV  either.

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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Sent certified letter ( have receipt ) seeking validation of debt : a contract bearing my signature proof that I have a contract with them ... they offered other than signature proof? I sent a second letter stating I only accept proof by contract with bearing my signature. Their response was '' As we have previously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. '' I decided to investigate and see if this company is surety bonded to be a third party collector ... .I can not find their name listed in the Secretary of State listing file, nor can I find the information by searching the Secretary of State database for the company name and address as listed in my credit report. It was search of my credit report I discovered this bill while doing a complete house cleaning of my credit. I have copies of the original request for validation and it states clearly I seek only a contract bearing my signature with them to collect any monies from me ... and that is what they are not providing. I have concerns since my bank once sent me a notice of possible identity theft attempt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I called Portfolio Recovery Associates in XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial Services has contacted me for a debt that I don't owe at all. It's for a certain person named XXXX XXXX. This agency has even reported this to my credit report which impacted my credit score so badly.

I called and explained to them that this is a mistaken identity but they still persist. I called the original creditor but they ignore my request to have my name be cleared. I wrote them twice about this but this agency still insists that I owe this debt even if i have a different last name and have never lived on the address they have on file and never received any medical services in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit card was charged unlawfully, on XX/XX/XXXX at XXXX XXXX and on my return to US next day I filed a formal complaint and request those charges to be removed from my account. Credit card rep. on the phone agreed, opened a case and reversed those charges until they were investigated. 
I did not hear back again from the credit card company until XX/XX/XXXX phone call, which was 107 days later than the dispute was opened. 
I was told that charges were going to be put back in my statement in 48 hours,  and they did. 
I was under the impression that this case was resolved and that was the reason charges were out. When I read my billing rights I saw it states clearly that any dispute needs to be resolved in 90 days or less. 
My rights as a consumer were violated, and not getting back to me in a timely manner weakened my hand to collect necessary info, or act on the time sensitive case. 
I wrote to them XX/XX/XXXX and requesting removal of baseless charges from my account, but after 13 days passed charges are still on my account, and again no answer from credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: IL

Complaint narrative:
I was a victim of identity theft. A person in New York stole my identity, and was caught with 5 credit cards in my name along with a picture ID with my information on it and her picture. My credit score has gone down 200 points in a matter of 2 months which I had nothing to do with. I also need her information taken off of my credit report. I have tried to have the credit burrows take it off but they refuse. Each card that I have talked to stated they are sending the credit burrows a report stating it was fraud, but I see only a small change in my credit score. I am angered! I would like my credit score back that I earned, and not the one she trashed.

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 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I did some research starting with the original creditor XXXX  XXXX XXXX. They stated that they have never provided this account for collection with XXXX XXXX or Midwest Recovery Systems. 

I have spoken with a representative from each of the following collection companies regarding the account status and when it was sold to the next collection company. During my research, I did not find any evidence that this account was ever sold/sent/provided to Midwest Recovery Systems. Midwest Recovery Systems is committing fraud reporting a debt that they dont legally own. 

Please see the below chain of events for the selling of my account and proof that it was never sold/provided/sent to Midwest Recovery Solutions. 

XXXX XXXXXXXX XXXX sold this account to XXXX XXXX XXXX in XXXX. 
XXXX XXXX XXXX sold this account in XXXX to XXXX XXXX XXXX. 
XXXX XXXX XXXX sold this account to XXXX XXXX in XXXX. 
XXXX XXXX still has this account in their office and has never sold it to anyone. They stated they have never sold to Midwest Recovery or anyone else. This account has been in their office since XXXX. XXXX XXXX is the company that legally owns this debt and no one else.

I just find it strange that Midwest Recovery has a debt for me and no one has indicated that they ever legally sold Midwest Recovery this account.

As you can see I have done an extensive amount of research into this matter and I have concluded that Midwest Recovery has obtained my information illegally and is provide false - information about their rights of ownership to this debt. They are violating my FCRA rights by reporting a debt that they do not own and cant prove that they legally own the rights to collect on this account. There is no paper trail that ties Midwest Recovery or XXXX XXXX to my debt from XXXX with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi. I opened AMEX credit card on XX/XX/XXXX because they advertised that they would give free XXXX Delta bonus miles after spending {$3000.00} in three month. However, I didn`t receive the bonus miles in three months after spending more than {$4000.00} in three months, so contacted them on XX/XX/XXXX, asking for it. Below is what they said : " XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. '' XXXX - XX/XX/XXXX XXXX XXXX " I see that you have met the spending limit already, however once you meet the limit, it take 6 to 8 weeks to receive the bonus. '' XXXX - XX/XX/XXXX XXXX XXXX " I would request you to wait for some more time, you will receive the miles. '' So, I waited couple weeks more, but I never received. So I reached back to them on XX/XX/XXXX. Below is what they said : " in this is an on going issue where the Card Members have not receive their welcome bonus. Let me go ahead and raise an inquiry on a priority basis with our Marketing team '' " I apologize for the inconvenience XXXX. Since you are eligible for the welcome bonus offer. Hence I've raised an inquiry in this matter. '' XXXX - XX/XX/XXXX XXXX XXXX " It may take up to 6-8 weeks for this inquiry to resolve. '' So, I waited more and reached them on XX/XX/XXXX. 
Below is what they said : " XXXX, I see that you have already submitted an investigation to resolve the matter '' XXXX - XX/XX/XXXX XXXX XXXX " We opened an investigation on XX/XX/XXXX it usually takes 6-8 weeks to resolve the investigation '' I reached out to them four-five times more until today. They even gave me the case number : XXXX, that was never solved.. I regret that I opened this card. I couldn`t buy the Delta flight that I was going to buy with the bonus miles. This is ridiculous.. Why did they advertise that way then? I would`ve opened different card, right? Please help me on this issue with American Express.. 

Thank you very much! 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. 

The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
3 years ago I was on vacation. And some took out a loan for {$500.00}. XXXX XXXX XXXX said I walked into a store and took this loan out and they have video proof. I never took out a loan. I noticed the charges on my bank statement when I got home. I contacted my bank. They froze my account. And made me open a new account. They did a full investigation and found that these were in deed fraudulent charges. XXXX reimbursed my money. I sent the report to XXXX XXXX XXXX And now 3 years later I'm receiving threatening calls at home and work. Stating they are going to take me court and I'm going to have to pay restitution and they are going to garnish my wages .they are saying they have the video still. This needs to stop. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: COAST PROFESSIONAL, INC.
State: ID

Complaint narrative:
I RECEIVED A LETTER FROM COAST PROFESSIONAL INC STATING THAT THEY ARE GOING TO GARNISH MY WAGES FOR MY STUDENT LOAN DEBT. I HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY BEFORE AND THEY ARE NOT WILLING TO TAKE A PAYMENT PLAN FROM ME. AND NOW I HAVE 2 WEEKS BEFORE THEY GARNISH ME.

IF THIS HAPPENS THAT WOULD PUT ME OUT IN THE STREET I WOULD LOSE MY HOSE BUT THEY DONT SEEM TO CARE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation