vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
We have been called multiple times by Midland Credit. We keep telling them they have the wrong number. We do not have any outstanding debt to anyone. 

Most recent calls : XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX from XXXX XX/XX/XXXX XXXX XXXX from XXXX We've tried blocking their number, however, they just call again using a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a 1099c to pay taxes from Chase credit card in XXXX after I have been trying to resolve a fraud case against my credit card since XXXX. My accountant has requested I request the FTC and CFPB look into this case further as he believes this case should have been documented as a fraud case back in XXXX and it never was by Chase. 

Chase has never acknowledged receiving or assisting in my requests and case. I have attached proof of the fraud and hacker who stole {$30000.00} from not only my Chase credit card, but also another card and my checking account back in XXXX after applying for a scam loan company called XXXX  or by XXXX XXXX. I submitted documentation via fax 2 different times in XXXX, with no resolve. This past year again, I've been trying to resolve this case including trying to pay off the account from a delinquent account and settlement offer by Chase in XXXX. Even after paying an agreed portion of the account, Chase still has never acknowledged the fraud or has closed my account. It is expected I will have to pay over {$10000.00} in taxes because this was not resolved properly by Chase. Please find all attached documentation and call me with any further question. Please help me as I can not afford to pay {$10000.00} in taxes this year. I was asked to file in XXXX with the attempt to resolve this with Chase. Chase has not responded to my requests this year by phone, email or any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My bank account has been placed on old for alleged fraud. 
I tried to pay for my phone bill on the XX/XX/XXXX and my card was not going through. My initial thought was because I was low on money and I could not check my account balance through the citi bank app. Therefore, I called and asked why I could not access my information or why my card was not working ; and I was told, that my account was placed on hold for a fraudulent check that I deposited back in XX/XX/2019. 
Recently, someone re-deposited that same check though XXXX XXXX. I only bank with citi bank and have the documents necessary to prove this.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted XXXX, Equifax and XXXX   about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted XXXX, XXXX and Experian about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.

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 2019-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX has refused to acknowledge my XXXX property tax exemption and is trying to charge me late fees, threatening to impair my credit, and not accepting the mortgage payments and placing my loan in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have 2 collections companies that have put 2 separate accounts on my credit for the XXXX XXXX XXXX. Each account has had a different total and dates each time in a total of ( 4 ) I got XXXX XXXX accounts disputed and now they have gone to Paramount Recovery and I have tried to dispute them through XXXX XXXX several times with no avail. 
XXXX Account was said to have been opened on XX/XX/XXXX at {$620.00} Disputed and dismissed on XX/XX/XXXX XXXX Account was said to have been opened on XX/XX/XXXX at {$1000.00} Disputed and dismissed on XX/XX/XXXX Paramount Recovery Says account was opened on XX/XX/XXXX at {$640.00} Paramount Recovery Says account was opened on XX/XX/XXXX at {$480.00} I don't even know what the XXXX XXXX XXXX is. I haven't been to the doctor since XXXX so I'm unsure of any information regarding this account or why it keeps showing up as different amounts at different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Medical appointment, with a XXXX, date uncertain, ( probably XXXX ) for routine exam. Routine exam, no XXXX growths found. Dr.did remove, by freezing 2 ( two ) very small XXXX growths on my neck. I was released and total charge would be {$20.00} for an office visit. 
Received a bill in the mail for {$150.00} for surgical charges! 
I disputed this, contending that the freezing of 2 ( two )  small calcified pin size growths WAS NOT XXXX. 
I continued to receive monthly statements from this unethical Doctor? 
On XX/XX/XXXX, I received a demand letter from Southwest Recovery Services for service by XXXX XXXX. 
I mailed a " Cease & Desist '' letter to Southwest Recovery the next day. 
I am now receiving " demand letters '', threatening legal action from Southwest Recovery Services. I believe this is in direct violation of the Fair Debt Collection Act.

In addition I received an inquiry from the Social Security administration concerning a {$450.00} charge from XXXX XXXX   that XXXX had filed on my Social Security account, part 'B '. 
I DO NOT have part 'B ' coverage, only part A. 
XXXX XXXX made a copy of my current XXXX card & knew that I did not have part 'B ' coverage. This is a fraudulent charge made by an unscrupulous dishonest, vindictive Doctor. This man should be made to answer for this attempted fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
The amount financed was {$900.00} and total I'll have to pay back is {$3700.00} I paid on time every two weeks, the last few payments were {$300.00} XX/XX/19 and {$180.00} 0n XX/XX/19 {$190.00} 0n XX/XX/19, {$200.00} on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: AR

Complaint narrative:
TRANSUNION AND XXXX, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
the one called is ( XXXX ) XXXX portfolio recovery is the name they use they call 4 time last week they call today at XXXX I have told them 3 time before it not the woman who there calling phone but they keep calling please make them stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo mortgage has acted in bad faith numerous times against me and my family. 
For starters, and while under Chapter XXXX protection in XX/XX/XXXX, we advised Wells Fargo that we intended to keep the property and it is our main residence ; in turn WF sent unidentified individuals to invade the property with the intention to break into the house and change the locks, which is their practice. One of them was caught peeping on my sister 's window which scared and terrorize her to the point of moving out, therefore increasing my financial burden as I became the only one paying for the mortgage. Not content with terrorizing my sister, they've sent another goon, few days later, only this time, I caught the guy climbing my backyard fence with some sort of weapon or prying tool in his hand ; he was forced under the threat of arrest to surrender the work document issued by WF ordering him to invade the property, even at the risk of injury or death. The third invader sent by WF was stopped in the driveway and he threatened me, I did called the police but the perpetrators always ran before the police arrived. That much stress has created XXXX on me, I can never feel safe on my house ( all my doors and windows have been blocked ) thanks to the WF mob. My most recent problem with WF was initiated by a letter requesting me to send a signed document to activate the Dodd-Frank bill which will  put {$5000.00} towards my principal ... As you can imagine WF has stalled and refused to apply any of the incentives, and they refused  to so today XX/XX/XXXX. WF has acted in bad faith from the start, and I am left with no choice but to sue them for bad faith practices against me, terrorizing my family and me and refusing to provide the relief that Dodd Frank  stipulates under the HAMP modification. I am no longer talking to the WF mob, these people are being sued nation wide for bad practices, and I refuse to become one of their victims, as far as I am concerned, I am suing Wells Fargo for damages, pain and suffering, XXXX  as a result of the violent encounters they initiated and I sincerely hope this gets a hold in the media, so they can be exposed, penalized and dissolved : Wells Fargo is the worst denominator of banking institutions, their mortgage division needs to be investigated and cleaned up. PS I know you WF operatives will receive a copy of this letter, your  mortgage division committed crimes against me and if you think sending me letters to state that you have done nothing wrong will clear you of any wrong doing, I have news for you, what you did to me and my family will not go uncontested, even if it takes 20 years, I will expose your criminal practices and I will fight you in court until you suffer enough financial pain for what you have done to my family and many other American families.

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 2019-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
{$8000.00} was debited from my Chase checking to be transferred to a bank in XXXX, XXXX on XX/XX/2019. Today is XX/XX/XXXX and the money was not deposited in the account in XXXX. Many calls to Chase and many visits to Chase branches without resolution. Chase has been shuffling my calls between departments and supervisors and giving me double talk all the time. They always say to give them 3-5 days each time I get in touch with them. Please help me and direct me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: AR

Complaint narrative:
XXXX  AND EXPERIAN, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a alert on my XXXX  Credit Report from Credit Collection Service. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I call them on XX/XX/XXXX. And a manager call me back. But I could not get a hold of her

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened I HELOC with US Bank in XXXX, CA, on XX/XX/XXXX. The account has an annual fee of {$90.00}, which according to the contract, is waived the first year and charged beginning on the first anniversary ( XX/XX/XXXX ) and each year thereafter. I closed the account on XX/XX/XXXX and I asked that the {$90.00} annual fee that was charged on XX/XX/XXXX ( 15 days earlier ), be refunded in full or at a prorated amount. I was told by XXXX at the XXXX XXXX branch of US Bank that the {$90.00} fee charged on XX/XX/XXXX was for the prior year ( XXXX ), the fee charged in XXXX was for XXXX, and the fee charged in XXXX was for XXXX. He told me the XXXX fee was not for the ensuing year, and therefore, he could not refund or waive that amount. This logic does not comport with the contract, which clearly states that the {$90.00} fee is waived ( not charged, omitted, etc. ) for the first year. I believe I am entitled to a full or prorated refund of {$90.00} since this fee applies to a period ( XX/XX/XXXX / XXXX ) during which I do not have a HELOC with US Bank.

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Walmart/Synchrony Bank credit Card keeps taking payments from the wrong bank account causing overdraft fees. I changed the payment information from one bank to another in XXXX and while it shows the proper information on the website they still try to take the payment from the old account causing overdraft fees and after the first improper payment was applied and when it returned they shut down my credit limit for their mistake. Since then they still have the correct bank account information in their system but continue to try to run the old bank information. this has caused {$140.00} in overdraft fees plus countless hours of talking to their customer service reps. that can only tell me that this isn't happening because when their agents look online the only account they show is the correct one. No one will address the problems with the old account.

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a alert on my Experian Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.

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 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I was trying to settle about my payment history when someone in their bankruptcy department and this foreign speaking guy who was very rude toward me, and unprofessionally hung up on me while I was trying to explain to them that I made 4 payments for this month XX/XX/2019. They are supposed to be making sure my payments are being applied to my account not intentionally trying to mess me up! It's very frustrating when they refuse to work with you or even listen to you because Carrington has these foreign speaking people that don't understand English or maybe they understand. Carrington is flat out making this difficult or they are telling employees to harass and hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is my current address my DOB is XX/XX/1973 my SS is : XXXX I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-06-26 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX has placed an open account on my credit that shows it was opened on XX/XX/XXXX for {$230.00}. 
I paid my last and final payment to XXXX  XXXX on XX/XX/XXXX of {$75.00} and the account was supposed to have been closed. I never received any additional information about owing {$230.00}.

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