vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Date of service was XX/XX/2011. Amount owed is XXXX. The actions that i have taken is calling the original entity XXXX/XXXX XXXX XXXX HOSP XXXX. I called and explained to them that I was not present nor was I the patient for this bill. I believe that my ex-wife brought our daughter to the hospital for care. I also believe that the amount owed was not paid by our insurance company due to the hospital and the doctor fees being billed seperately. They may have gotten my social security number from XXXX, my insurance company. I have called XXXX/XXXX XXXX XXXX HOSP XXXX and theynhave said in the past that there is no balance due to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
The short version of the story is XXXX XXXX is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned XXXX XXXX as my loan servicing company upon graduation from XXXX school at XXXX  XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. XXXX XXXX was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called XXXX   XXXX XXXX to inform them of the reporting error. XXXX  XXXX servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts come back verified without all paperwork that should make such a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax not following the federal mandate to provide a free annual credit report. 
Equifax suffered a security hack a few years ago and since then, I have not been able to obtain via their website, a free report. Unable to obtain in XXXX, XXXX and now in XXXX. 
How is this Equifax company still allowed to be part of the XXXX XXXX XXXX program? The website won't provide an online report but rather says you must request in writing and provide 2 proof of identity. This is three years in a row. Why would I trust sending you identity verification & a written request that has security info on it to you via mail? As a company, you already had security issues but are now requesting that a consumer must provide a paper request with verification? 
How long does it take for a company to fix security issues? I feel that this company should be eliminated from the free XXXX XXXX XXXX  program. The other two, XXXX and XXXX   are providing reports via the internet without issues. 
Equifax does not deserve to remain a qualified credit reporting company and certainly does not qualify to work with any government mandated requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received the promotion from Chase about new Sapphire Checking account. It stated I should have received XXXX ULTIMATE REWARDS BONUS POINTS after transferring a total of $ XXXX.I applied the coupon code and opened the account in XX/XX/XXXX and have kept the above XXXX balance in Chase YouInvest investment account ever since. 

However, it has been five months since I opened the account and I never received the reward points.I tried to contact Chase multiple times and they claimed I never had the coupon code. I was really frustrated and have showed them the coupon code I received and applied. There are no follow-ups and I am really concerned now as this is not the way Chase should treat its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: NC

Complaint narrative:
Accounts come back verified without all paperwork that should make such a case.

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 2019-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. 
Paypal debited my account for XXXX and the XXXX debited my account for XXXX. 

I called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. 

Since it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. 

On XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. 

Problem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. 
- New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. 
- Existing card holder should be notified that someone else is attempted to add there card for use. 

If PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. 

Resolution : I want the person who stole my credit card information to be PROSECUTED ASAP. 
The broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. 

PayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. 

I want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please remove the following inquiries. I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received this year two letters of credit denial from XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX, the first on XX/XX/2019, then XX/XX/2019, both times, they have pull my credit, with my authorization, never have applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither bother to respond. This organization is committing fraud big time, the federal government needs to investigate them

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ERC
State: WI

Complaint narrative:
Three companies are involved : 1. XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX who took over for the last owners of XXXX XXXX XXXX XXXX they had been XXXX XXXX. I don't or never have had service with XXXX XXXX and XXXX XXXX XXXX account was closed in 2014. It ia no way they will except closure now because I have loved at XXXX XXXX XXXX in XXXX or XXXX XXXX since 2014. The accoint was requested closed but they never showed up to get in with me. If some used the account afterwards its because they could get in on their own account not a collection to me. 
They are claiming that I am using a cable box that don't exist. 
3. I have internet service through XXXX XXXX XXXX My bill with XXXX XXXXXXXX XXXX. WAS ONLY {$50.00} a month so where is this {$520.00} coming from. My this month bill is paid. And O am not supposed to be paying cable for XXXX if I say something to the owner suppose they stop allowing it. I need to know if they are going to correct this error. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please remove the following inquiries. I did not authorize them.

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 2019-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: IL

Complaint narrative:
This is XXXX XXXX XXXX, ad Astra Recovery call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is XXXX XXXX and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Company Name : First National Bank of Omaha XXXX. XXXX XXXX, NE XXXX. 

Cr.Card Account No : XXXX. 

Complaint : I have been trying to log in on line to see my Account position and pay the amount. I can not log in instead of my ID and password I have been using for the past 60 months. As for paper statement, some time I receive it by mail, some time not. 

Solution I Want : I wanbeent easy access on line to my subject credit card Account as well as monthly paper statement by secure mail. 

XXXX XXXX XX/XX/2019.

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 2019-06-09 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a Chase customer since XXXX. I own 2 chase credit cards and I use the checking account to deposit my paychecks every two weeks since past 1 year now. I recently experienced major inconvenience from the Credit Card Fraud department and the Credit Card Dispute Department. 

Briefly summarizing my case, I booked a flight ticket on XX/XX/XXXX for {$1400.00} from my Chase Freedom Unlimited card..I was about to check-in for the flight on XX/XX/XXXX from XXXX to XXXX XXXX, when I get to know that the ticket was no longer valid as the transaction was cancelled by the bank. 

I went to my nearest Chase bank and the banker named XXXX XXXX tried helping me out with the problem by making a few calls. After being on the call for about 3 hours, we get to learn that someone from the fraud department marked the transaction as fraud and it was then cancelled. Firstly, I never reported the transaction as fraud and I didn't receive any message/call/notification about this from the bank, asking me whether I made the transaction or not. Secondly, I didn't even receive any refund back for 2 months until I called and asked them about it. There was no way for me to know about this incident, except the day before boarding the flight. I had no other option than to book another flight which of course was at a much higher price of {$2200.00}. 

So, after 3 months since I first booked the ticket and many long hours of back and forth calls between the 2 departments, I finally did get the {$1400.00} back as a refund, which I appreciate. But I really feel that none of this was my mistake as a transaction was cancelled without even my consent or letting me know in advance. So why should I be bearing a loss of {$800.00}? I don't think it's right to just cancel transactions from a card by marking them fraud without first talking to the customer about it. 

I e-mailed the same to the CEO, Mr. XXXX XXXX, on XX/XX/XXXX and received a call back from his department. After reviewing my case and going through the details, I was refused any compensation saying that the bank has the right to cancel any transaction they want, whenever they want. This makes me feel less reliable on Chase credit cards now and I feel it's not the right way to treat the customers. I already cancelled one of the card and stopped depositing my paychecks. Thanks to this unsatisfactory experience. I think more people should hear about my story and be more cautious before using Chase Cards for important transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
Amount is incorrect. Also creditor aka XXXX should be aware of a medical hardship I am currently going through.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two account XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** and one account XXXX XXXX XXXX   XXXX**** and one account XXXX XXXX XXXX**** and one account XXXX XXXX XXXX**** I have disputed all have of these accounts as having unauthorized charges on the account. but still transunion comes back as verified how is that possible are they seeing every transaction with signed receipts. I don't think so I believe they are not even investigation but instead just saying that they are.Because the only way to verify if transactions are authorized is to have a signed receipt without that there is no way to verify.

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 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
FOR PROFIT DEBT BUYERS WROTE ME ON XX/XX/19. I actually received their letter postmarked on XX/XX/XXXX. I kindly responded to their Frivolous claim onXX/XX/2019. I simply advised to Cease and Desist, Validate to actual debt and valid ate themselves to me. I responded in accordance to their fraudulent letter in a timely matter as I do not have a Valid Contract with Nationwide Recovery Service, or do not wish to contract with them. OnXX/XX/19 Nationwide Recovery issued a unknown medical Record with no instructions, reply, or response to my originally mailing. But as of XX/XX/XXXX NationWide Recovery Service has reported the disputed Frivolous debt to all the Credit Reporting Bureaus without verifying the debt. Identity Theft has been committed by Nationwide Recovery Service as they obtain my Social Security Number illegally and Hippa Laws are broken as they obtained alleged medical records without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
This is XXXX XXXX XXXX, XXXX  XXXX XXXX call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is speedy Cash and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX mobile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Hello, I believe that my Mortgage Servicer, HomeDirect Mortgage, a division of BOKF, NA, committed a material servicing error by failing to calculate escrow correctly and failing to pay taxing authorities in full. I believe this error resulted in a tax lien being placed on my property. 

A notification of tax lien was received at the property address alleging that I was a chronic delinquent payee. As the notice of tax lien seemed to imply a tax bill delinquency over a multi-year period, I believe HomeDirect Mortgage is responsible as they have not calculated escrow amounts correctly or have appropriately reviewed tax assessment notifications. 

I submitted a Qualified Written Request to HomeDirect Mortgage by first class mail on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX  XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX 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