vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call to give me notice that I was to call XXXX XXXX at XXXX reference XXXX. 
When I called I was told there was to be a legal action filed against me concerning US Bank Account from XXXX, I stated that i received no notice concerning this and the item was never on my credit report and I demanded something in writing itemizing their claim so I may dispute the claim. I was told that I could respond to the summons and complaint unless I paid them {$1200.00} immediately, And if it went to court I could owe over {$4000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
UNKNOWN INQUIRE ON MY CREDIT BUREAU OF XXXX  AND XXXX   DATE OF XX/XX/2018 NAME OF COMPANY CAP1/XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have several times disputed ( with American Express, aka Amex, online ) unauthorized charges for unordered items from XXXX billed to me in XX/XX/2018. These charges appeared on my American Express account, but not on my XXXX account. How could that legitimately be? 

These disputes have not been taken seriously, and in fact, the unauthorized charges were reposted to my account the very next day after the dispute was filed. By way of response, American Express reported to me that XXXX had claimed to it that I or someone in my household had ordered these unwanted items. That statement is false. Then the disputes themselves disappeared from my online American Express account, and I never heard anything more about them. 

I paid my Amex bill in full, in order to protect my credit score, but of course I still want a refund. I have the unordered items and would be happy to return them to XXXX, but they do not appear on my XXXX account, and so I have no order number for them. It turns out that ( although it is easy to return items to XXXX if one has an order number ) it is virtually impossible to return an item if one does not have an order number. 

I sent a demand letter to American Express insisting that the charges be reversed, but have received no response. 

I have several times disputed the following charges by XXXX to my American Express account : Date of charge : XX/XX/2018 Amount of charge : {$68.00} Item : XXXX XXXX XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  Date of charge : XX/XX/2018 Amount of charge : {$370.00} Item : XXXX XXXX   XXXX XXXX XXXX*XXXX - XXXX XXXX/XXXX, XXXX  American Express did not resolve the issue , and deleted my disputes from my online account the very next day. Its only comment was that XXXX told them that I or a member of my household had ordered these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.

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 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio recovery llc XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
I noticed this creditor on my report last year. Saw that it was for a XXXX bill. XXXX is not on my credit report nor was I notified by them that I had a past due balance. I called XXXX and was told that I didnt owe anything. Then I spoke to someone else from XXXX that said there was a last due but upon returning equipment, the balance changed to XXXX. 

I spoke with this company to get the reporting removed from my credit report since I dont owe the balance, no luck. I decided to just pay the balance to get this taken care of being that I'm applying for a house in a couple of months and I cant have this messing up my score. So far, I've sent several letters to negotiate a settlment but have recieved no reply.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Credit Plus Inc
State: NJ

Complaint narrative:
UNKNOWN INQUIRE REPORTING ALL ALL MY CREDIT BUREAU SUCH XXXX, AND XXXX DATE XX/XX/2017 NAME OF COMPANY, CREDIT PLUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a correspondence was sent via mail as well as an additional follow up on XX/XX/XXXX that was also sent via mail to Common Wealth Financial Services after receiving an alert on my credit report in regards to an alleged account ( # XXXX ) a medical account that was originally established between XXXX HOSPITAL on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX  HOSPITAL signing giving permission to disclose such private info. Their response clearly violated my rights according to the HIPPA act of 1996.  XXXX  HOSPITAL did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
In XXXX of XXXX while I was employed by a company which provided me excellent insurance and low copays, I got a dental procedure done to my mouth. I paid the remaining balance that was due after my employer paid the big balance. Then I moved out of the state a few months later. In mid XXXX I received a random call from a debt collector saying I owed a balance of {$240.00} and this will be reported on my credit. I tried to inform the representative that the debt was paid but they were unwilling to hear my story. I even reached out to the dental company who also was very rude to me in stating I did not pay my bill. Now this is a bad stint on my credit that I did not cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: BB&T CORPORATION
State: NJ

Complaint narrative:
****UNKNOWN INQUIRE******DATE XX/XX/2017 INQUIRE NAME REGIONAL ACCEPTENCE

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2019, I obtained report # XXXX from Experian and noticed an fraud alert was placed on my account without my knowledge and consent. Experian made it impossible for the consumer to reach out by way of telephone for the consumer to ask immediate removal for fraud alert. 

Therefore, I want to file a formal complaint against Experian for discrimination against Seniors with XXXX that are unable to use the postal service to dispute inaccurate information contain in the consumer report and their refusal to remove a fraud alert that prevent consumer from obtaining emergency medical equipment. 

Experian placed an fraud alert on my credit report without my knowledge or consent and refused to remove fraud alert from my report. Experian refused to tell the consumer who placed the fraud alert on the consumer report, when the alert was place and for what reason. Experian had the consumser call several times each time more than a hour wait to get aholdof a representative only to be transferred to XXXX XXXX. After I reached Experian and explained I had to apply for credit to obtain XXXX   equipment and I need the alert removed immediately the Experian representative refsued and hung up the telephone several times forcing the consumer to repeat the process.

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 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of 2018 Fifth Third Bank put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when I disputed the issue with a manager in XXXX, Ohio. They sent me a letter saying they reopened the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc
State: OR

Complaint narrative:
They have contacted my Mom at XXXX several times. Mom is XXXX years old. She refers all strange calls to me her son. They then called me at XXXX. I have told them twice to never call Mom again and to put me on the do not call list. 

The number they call me from is is XXXX - FIRE all of them and show me evidence they are gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep getting threatening calls from numerous phone numbers daily and letters for a debt I've tried to dispute many times over several years. This debt is now several years past the statue of limitations and this agency is falsely reporting this information tonally of the credit bureaus as a current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX DATE OF INCIDENT XX/XX/2017 NAME OF THE COMPANY CONSUMER PORTFILIO S

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX day late? how is that possible? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
************UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX XXXX XX/XX/2017 NAME OF COMPANY CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo allowed for a credit card to be opened in my name by someone who obtained my information as a result of identity theft. I have in the past been a victim of identity theft, and since the I have struggled with having multiple accounts opened in my name and social security. I have notified Wells Fargo, and all 3 credit reporting agencies that this account was opened as a result of identity theft and I have provided a police report, but Wells Fargo has refused to remove the fraudulent account out of my name and both XXXX  and XXXX have continued to report the fraudulent account even though I also told them this account was fraudulent and I have also provided them a copy of the same police report. All 3 of these companies are violating my rights and are refusing to remove this fraudulent account from my credit file and therefor they are violating my rights to good credit and are violating the FCRA Section 605 ( B ). I have sent certified letters to all 3 of these companies and they have continued to ignore me. This account is fraudulent and was opened as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: RI

Complaint narrative:
XXXX university is a hoax I do not feel I should be responsible for the charges being on public assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
UNKNOWN INQUIRE REPORTED ON MY CREDIT BUREAU SUCH AS XXXX   AND XXXX DATE XX/XX/2019NAME OF COMPANY CHASE AUTO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/19, I purchased XXXX XXXX tickets for {$400.00} and was requested to pay via XXXX XXXX. This is a transaction that occurs over the phone and paid it to a phone number XXXX via the XXXX XXXX. I sent the money and then the person never emailed the XXXX tickets as promised. I tried to contact the person by phone and I was blocked. I also tried calling via another number and also then blocked. 

Immediately after realizing I had been defrauded, I contacted XXXX XXXX  customer service and alerted them to the issue and requested they hold the funds. I then contacted my Citibank credit card company and immediately disputed the charge. At this point in time, they have stated that they only temporarily credited my account. The merchant responded and will favor with them, with no regard for items not received even though they were both aware that this was a fraudulent transaction.

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 2019-04-09 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: CA

Complaint narrative:
I receive a Experian, XXXX and XXXX credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from Experian, XXXX and XXXX.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with Experian, but accounts mentioned are not been displayed on XXXX and XXXX. 
Why Experian, XXXX and XXXX not displaying Current on XXXX account as all accounts are Current.

A Legal letter has been implemented for XXXX, Experian, XXXX  and XXXX  to remove the derogatory remarks and all unauthorized hard inquiries 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 non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.

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 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint about Transworld Systems Inc attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a zero statement. 

Here is the problem. Transworld Systems Inc provided CFPB a different letter than they presented to me. They deleted the fourth paragraph from the letter that was sent to CFPB. See attachment. The statement that was provided by Transworld Systems Inc has a XXXX   balance. But, the letter to CFPB states a balance. 

This collection was reported to my XXXX credit report in error, and XXXX has refused to delete the collection. 

Based on the provided statement from XXXXD XXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, contractual insurance allowance, and allowance provided by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation