vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
AMEX is fraudulently reporting on my credit report in the amount of {$3800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
Trident Asset Management are refusing to properly validate a debt that they are reporting on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Equifax credit report isnt reporting any information on my Equifax on my report I send them multiple letters stating that they arent reporting any accounts ( 4 of them ) on my credit monitoring due that I have open account and they are reporting to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
I co-signed a student loan for my nephew. His monthly payment is {$100.00}. He is late on his XXXX payment, and I have been repeatedly harassed by Discover Student Loans for the past several days. 
Today alone, they called at XXXX XXXX, XXXX XXXX., XXXX XXXX., XXXX XXXX., and just now at XXXX XXXX., when I told the person on the other end I was filing a complaint for harassment. What did the person do? HANG UP ON ME! 
In addition to these repeated calls, this is what I have had to endure : -REPEATED emails -A letter in the mail threatening, " We provide payment history to consumer reporting agencies each month, so please remember to pay the past due amount and the regular monthly payment to bring your account current. '' ( I encourage you to check my credit history! It is impeccable! ) -I could not figure out why I started getting REPEATED calls AND TEXT MESSAGES from companies offering to help me pay my loans. I could not figure out why, but now I know they got MY INFORMATION from DISCOVER! AGAIN, CHECK MY CREDIT! This is severe harassment against someone with impeccable credit because my nephew is ONE MONTH behind on his loan payment. Here are a few of those messages : " HI XXXX. You could be pre-approved 4 up to 5K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" Greetings XXXX. you may be approved 4 as much as 2K in assistance. '' From XXXX ( XXXX ) Thursday, XX/XX/XXXX, at XXXX XXXX. 
" XXXX, I want to make sure we have a call. Call me back to talk about forgiveness for past college cost. '' From XXXX XXXX, XX/XX/XXXX, at XXXX XXXX. 

I have blocked each of these numbers and have reported them, but when is enough, enough?? 

PLEASE HELP ME STOP DISCOVER FROM HARASSING ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase XXXX is fraudulently reporting on my credit reports in the amount of {$750.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/2018 about XXXX XXXX I visited an ATM machine located at XXXX XXXX, XXXX XXXX NV XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX telephone number XXXX. My transaction was a withdrawal of {$460.00} - the ATM machine sounded a little funny while it was counting the money but never produced the money! I lifted the door where the money is dispensed and there was no money there. I received a receipt for the transaction- showing the debit from my account for {$460.00}. And I immediately called the telephone number located on the atm machine, I was told to call my bank and file a claim - Well my Bank is an American Express Serve Card that is prepaid, the ATM was labeled a XXXX ATM and all XXXX ATMs are fee free to use. I called AMEX SERVE customer service and filed a claim I was told I would receive an email, which I did, and that email states, '' We received your dispute for the transaction below and are currently investigating it. Well send you another email within 10 business days with more information, including whether or not were able to credit you for the charge. '' Trying to get through to customer service is ridiculous and takes a half hour to reach someone in XXXX. I tried to call them this afternoon and was on hold so long my phone went dead. It is or should be a fairly simple issue to resolve as these machines are suppose to have internal mechanisims to alert the ATM operator of malfunctions with the terminal, I called and reported it, someone should have come to check the machine and conduct an audit and fix or place out of order the machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Bank is fraudulently reporting on my credit reports in the amount of {$2300.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband passed away. Chase bank put check on hold they paid my rent and car insurance, and said I was in the negative, I ask what did I need to do they said bring in $ XXXX XXXX and I would be out of the negative and I deposit $ XXXX, XX/XX/2018 then again I was in the negative for $ XXXX The I call on the phone for two hours no one could help me I went back into the bank again they said now I have s balance of $ XXXX I said and I have s withave s Witness my daughter is on the phone speaker And listening, I ask was the money ok they said yes, so I said now it is no longer XXXX when all of this started it is XXXX now, so the bank Chase bank said I could get s cashier check of $ XXXX my rent, everything was ok so I left the bank thinking everything was fine I did what they ask me to bring now I am in the negative again I have not charge anything nor use my card now I am in the negative again for $ XXXX they keep changing, chase bank said the sent the check back to social security but I made good I brought $ XXXX in I dont own them $ XXXX all the figure keeps changing, I understand Chase bank is notrtous for doing this I am on a fix income, nothing has been resolve in a timely. They have had Escalting team and nothing is resolve and the Branch I go to dont have a clue what is happening the Branch computer is never the same as who ever is changing the figures on my account the Branch is XXXX in XXXX XXXX zip is XXXX on XXXX XXXX and XXXX XXXX this is unbelievebi am stress loosing my husband after 58 years, and I have to call and constellations go into the bank XXXX Branch manger didnt have a clue, and this is XXXX and they cant get anything straight. I dont no who is changing the figures or the amount, so please help.since they have taken so long and I am the victim and on social security thank you. I am XXXX years old and should not have to deal with the bank I am so stress over there incompetent, and their inaccuracy .Senior citizen in distress. Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
XXXX/XXXX XXXX is fraudulently reporting on my credit reports in the amount of {$3600.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems is fraudulently reporting on my credit report in the amount of {$1100.00} account # XXXX * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing. I also didnt find that this company has a valid license, bond, and certificate of authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had a visa credit card account with Bank of America for 18 years. On XX/XX/2018 for the first time ever, I noticed fraudulent charges on the account for a total of {$330.00} by two companies XXXX & XXXX XXXX XXXX. I reported this to Bank of America, my credit card number was closed out and a new number issued. The fraud claim was investigated by Bank of America and the charges were credited back to me. On XX/XX/2018 I noticed new fraudulent charges from XXXX  again for {$100.00} ( note that I have never used this vendor for any services ) and after calling Bank of America I was told that the reason I am charged again is b/c both Bank of America and XXXX participate in a program offered by Visa  called " VISA XXXX XXXX '' where the bank automatically transmits new credit card numbers to Visa and Visa transmits it to vendor ( in this case XXXX ) to avoid disruption in subscription/service if a customer 's credit card info on-file changes. So instead of a customer directly calling a vendor to update his/her credit card info, Bank of America automatically does this service, WITHOUT giving the customer an option to opt-out of this service. In my case, the unfortunate situation is that someone fraudulently used my credit card information to open 6 separate accounts with XXXX and even though I closed that card number, Bank of America keeps transmitting my new number to Visa  and Visa to XXXX. Many financial institutions ( XXXX XXXX and credit unions for example ) do offer customers an aption to " opt out '' of " XXXX XXXX XXXX '' but Bank of America refuses to offer this option. This practice is not fair to consumers and in cases of fraud, like my situation, can result in fraudulent subscription accounts getting funded indefinitely unless the victim of fraud is forced to close his/her account with their credit card account holder. Bank of America also refused to block this particular vendor so future charges no longer appear simply b/c I did not authorize the charges to begin with since they are fraud charges.

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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please help

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 2018-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
Waypoint Resource Group is fraudulently reporting on my credit reports in the amount of {$310.00} account # XXXX / XXXX. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

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