vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Purchased an American Express Serve " prepaid '' card from XXXX on XX/XX/2019. Paid {$100.00} in cash plus {$2.00} for the card to charge it. Tried to use it the next day and it was turned down by XXXX, where I had purchased it. The company had additional fees of {$8.00} per month, starting from registration, plus I had to wait several weeks for the actual card to arrive if I wanted to use it ( this is a card I had purchased to travel ). I tried to get a refund from XXXX and American Express. XXXX sent a nice letter saying they would refer my complaint to another department. American Express never replied. This card is completely useless for any purchases, online or otherwise. I could provide all sorts of personal information to the company and pay {$8.00} per month to get a " real '' card maybe sent to me, and maybe not, with no guarantee the card would arrive within one month ; but they do not seem trustworthy enough to provide any more information than they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: IL

Complaint narrative:
" On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. On XX/XX/2019, a security freeze was placed on my file with XXXX XXXX XXXX. 

On XX/XX/2019, I sent Equifax an certified letter and attached a copy of my drivers license and social security card with signature. In the certified letter, I requestded verifiable proof they have on file regarding the bankruptcies listed on my report. 

On XX/XX/2019 Equifax sent confirmation ( # XXXX ) with the following response : WE HAVE REVIEWED YOUR CONCERNS AND OUR CONCLUSIONS ARE : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE FILED. THIS SECTION INCLUDES PUBLIC RECORD ITEMS EQUIFAX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, XXXX. PUBLIC RECORDS CASE OR ID XXXX - XXXX, # XXXX AND # XXXX WERE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY If a security freeze was placed on my file with XXXX XXXX XXXX on XX/XX/2019 ; How did Equifax obtain information from XXXX to complete report ( Equifax confirmation # XXXX ). United States Bankruptcy Court does no business with the credit reporting agencies. How did Equifax obtain their findings. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher Collection called me from XXXX. Their representative ( rep ) XXXX XXXX stated that XXXX/XXXX had put me in collections. However, I am currently in dispute with XXXX   due to misrepresentations, faulty equipment and turning off my service but still billing me. Over a two month period, I have had over 8 XXXX representatives from call with no coordination to resolve the issues. 

The AmsheXXXX rep XXXX stated that XXXX " of course '' put my account in collections. I asked the rep to clarify why XXXX would " of course '' put my account in collections. The rep would not clarify why she said " of course '' and tried to make me wrong by asking the question, She then threatened that my XXXX account would adversely affect my personal credit report. XXXX is retaliating against me when I trying to resolve a dispute with mybill ( see enclosed attachments to the FCC and CA Attorney General. 

When I again asked XXXX XXXX to clarify what she meant, she hung up on me stating " I am courteously disconnecting this call. '' I am not sure how just saying the word " courteously '' then hanging up on someone in mid sentence is " courteous. '' Also, I am not sure how threatening to putting my disputed account into collection and threatening to degrade my credit is " courteous. '' I immediately called XXXX management ( Director of Customer Service, XXXX at XXXX ) and asked him why my account was in collections when his diviison and company was working to resolve the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: SC

Complaint narrative:
Equifax Certified Tracking # XXXX Several different name spellings, variations, SSN variations, addresses and phone numbers appeared on my Equifax credit report, most were taking off. I've included my XXXX report and XXXX XXXX reports showing the same. I've gotten most of this situated before expect a few more items. I was a victim of the Equifax breach in 2012, XXXX document attached ) as well as another breach, and a victim of indentity theft from a close family member. This is another complaint and formal dispute to have this information listed in my letter to be blocked, and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: LA

Complaint narrative:
An hard inquiry was made on XXXX XX/XX/2019, from Equifax Mortgage Service that was listed from Miscellanies Reptg. Agencies. I was checking my XXXX XXXX  and I saw under the Equifax section I was hit for something I didnt approved of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Payments are made electronically using my credit union bill pay function and scheduled at the beginning of each month. Payment of XX/XX/2019 ( a Sunday ) was posted to Synchrony Bank on next business day, Monday, XX/XX/2019 and I was charged a {$28.00} late fee. When I did not pay the late fee in XXXX, was assessed an additional {$41.00} late fee, which has since been credited. 

I have contacted call center on two occasions, last being Monday, XX/XX/2019, when I was told the {$28.00} fee was credited. It still has not been, and collection attempts are beginning all over again. 

I have been very clear with call center employees that payment on the next business day satisfies all common business practices in the U.S with every other bill I pay. 

Thank you,

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted previous disputes with Experian with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and Experian refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to Experian to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had a collection on my report from XX/XX/XXXX from a collection company that was removed because they never sent me confirmation of the debt to even tell me what it was for. I just went to get a home loan and i see a collection for the exact same amount from another collection company only this time it has a date of last action of XX/XX/XXXX. Even if this debt was legitimate which i still have been unable to get any information on even with the new collection company the fact that they have changed the date of last action has severely affected my credit score to the point where i can not get a home loan since it is a new derogatory item that has cost me 50 credit points. I have tried disputing it with the bureaus and tried getting more information about it from the companies themselves but had no luck. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Today, XX/XX/2019, I tried to lock/freeze my credit report with Equifax and I'm unable to do it online or by phone. Equifax provides by phone ( Equifax : XXXX ) two sites that don't work : XXXX & XXXX. After filling out all the information required including my social security number, address etc., at the end I'm required to call a provided phone number that is answered by a robot and that doesn't address locking/freezing of the account. 
I had absolutely no problems locking/freezing my credit reports with XXXX  and XXXX, but Equifax has been a nightmare consuming lots of time for NO RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: WA

Complaint narrative:
Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. 
Please let me know if you need me to provide any proof or any other info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I received a notice from a collections agency for {$590.00} from Grant and Weber in XXXX XXXX, CA. The notice stemmed from a bill from XX/XX/XXXX, charging me for XXXX XXXX. After insurance adjustments, the patient responsibility was approximately {$10.00}. I called into XXXX XXXX 's XXXX XXXX XXXX XXXX billing department to point out that the {$590.00} did not include insurance adjustments, and the representative agreed, and said I only owed {$10.00}. I paid off the {$10.00} in XXXX of XXXX and I was also told to disregard any future communications as that bill was considered paid off. 

Months later, in XXXX of this year, I received the notice from Grant and Weber for  {$590.00} plus interest. I called XXXX XXXX a few days later and they agreed to contact Grant and Weber to rectify the situation. However, I have not received any communications, and now, two weeks later, XXXX refuses to help or follow up with me as they now have no record of the {$590.00} charge, even though I still have the bill from XXXX, and the charge is shown as paid on the XXXX billing website. 

What's even more surprising is that I learned, in my call to XXXX XXXX 's XXXX XXXX XXXX XXXX billing department, that they sent a {$28.00} bill and a {$40.00} bill to collections in XXXX and XXXX, and sent a XX/XX/XXXX bill of {$28.00} to collections in XX/XX/XXXX. I did not receive any notices for those. Because the XXXX and XXXX bills were so long ago, I do not recall if they were paid off before they got sent to collections. Or they might have resulted from the same mistake as above. It seems clear that they use collections quite aggressively without giving consumers adequate notice. A 2-month window is not adequate notice. It is clear that in many instances, they do not send more than one bill before sending it to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 — Investigation took more than 30 days
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I mailed a letter asking for the company to validate, not verify the account they are reporting on my credit report. I mailed this letter on XX/XX/XXXX with cerified mail and return receipt. I never recieved my receipt, the post office claimed it could have fallen off in transit. They were able to get me the necessary documentation from the return receipt. I have a printed copy of the name and signature of the individual who signed for the letter. It was recieved on XX/XX/2019. The 30 day mark was on XX/XX/2019. I have not received a response from the company nor have I received any indication that they were working to validate this was truly my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I was sued in Virginia for a debt that has passed the statue of Limitations in the state I live in which Is North Carolina. I never received any notice of a pending lawsuit until after it had went to court in Virginia. I then started getting garishment notices from a woman i was dating in Virginia. I have consulted with a lawyer but can't afford to hire one as i am on social security XXXX i was informed it not legal to sue someone in a state where they don't live. My legal address is XXXX North Varolina.They are trying to get around the statue of limitation by sueing me in Virginia when they know my residence is North Carolina.Any help you can give me is greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: NE

Complaint narrative:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from Midland Credit Agency. Call received XX/XX/2019 @ XXXX ( MT ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from XXXX XXXX XXXX. Call received XX/XX/2019 @ XXXX ( MT ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Complaint against Bank of American for identity theft, mail fraud, wire fraud and other crimes. 

On XX/XX/2019 BOA AGAIN pocketed my mortgage payment via company called " XXXX XXXX XXXX '' which is also known as XXXX. 

I demand explanations why my mortgage payments which suppose to benefit XXXX XXXX investors end in BOA deep pockets and create them handsome income. 

My payments to XXXX were pocketed by BOA in the same deceptive manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NE

Complaint narrative:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND 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 2019-08-27 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND 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 2019-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had opened a chase account under the empreasion that if you opened an account and had direct deposit you where suppose.to.recive XXXX dollars in 10.days i have not recoeved the XXXX dollars yet and i have had 2 pay checks aleeady and i get paid through direct deposit ... i.called then on 2 occosionsand rhey said it waa pending and its been 4 days and i have not gotten it yet either please help!!! Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief