vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: OR

Complaint narrative:
History : We moved to XXXX in XX/XX/XXXX. They lied to us about the savings we would see, the coverage we would have, and the bonuses we would receive if we switched over. I made FCC complaints and over the course of 4 months tried to get this resolved. In XXXX we switched over to XXXX. XXXX refused to port my number for 2 days, leaving me without a phone and costing me {$15000.00} in commissions. I filed another FCC complaint. Our agreement with XXXX said if we left them, we still had to pay the monthly cost of leasing the equipment. However, they then demanded the entire payment at one time. I would try to talk to them, but they refused to talk to me, saying they could only speak to my husband, who was the primary holder of the account. Over the course of the last two months, he has played phone tag with them trying to resolve our issues with them. 

Reason for this complaint : yesterday we received two pieces of mail. The first was from a collection agency, saying that XXXX had handed over our account to them. The second was from XXXX ( both letters were dated XX/XX/XXXX). XXXX was demanding full payment of the lease amount by XX/XX/XXXX or they would hand the case over to collections. My husband called the collection company and found out that XXXX had emailed, on two separate occasions, my XXXX year old son to demand payment. My son 's email is not associated with the XXXX account. My husband 's email and my email are. XXXX did this before during the 4 months that we battled with them ( although it was calling my XXXX year old sons ). We clearly let them know at that time which phone numbers belonged to who, and ensured the only emails on the account were my husband 's and mine. They did not call my husband, or I about the account. They did not mail anything to our home prior to XX/XX/XXXX. They purposely contacted a minor, multiple times, and made no good faith effort to contact either of the adults on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Continue to call my job, leaving voice messages on the company voicemail system. 
attempting to collect a debt that does not belong to me. they have been asked to stop contacting this number for its an office and they have been told time and time again that i have no knowlegde of this debt they claim i have. i wish for them to stop contacting my place of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, Bank of America, blocked my credit card that we had with them since XXXX, without notification. They lost my, and my wifes Social Security number, and wanted me to replace the numbers without telling me what happen. My wife is a handicap individual and uses this card to purchase on line. Many years ago we had identity theft. Due to this, and because this was a charge card, I did not give them our numbers. Bank of America claims that they sent me a letter in XXXX. ( I did not receive one nor do they have a return receipt. ) I believe that they blocked our cards due to their own incompetency, and that created server social and financial embarrassment to myself and my wife. This complaint is the first step that we will take. I intend to have us made whole for our time, embarrassment, and loss of credit power on this incident. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: AZ

Complaint narrative:
Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: PA

Complaint narrative:
I took at payday loan out for XXXX and I'm paying 780 % back! I didn't realize they were charhing me that much of a percentage and i think its ridiculous. This company is making over XXXX back for a XXXX dollar loan I took out. Its a year long loan. I pay XXXX bi weeklyb had i known it was that high percentage I would've borrow money from a friend! Please look into this matter as they should not be charging 780 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mnet Financial Inc
State: TX

Complaint narrative:
A medical bill collection company will not update my credit bureau report with accurate information for my account. 

The company in question is : MNET Financial INC, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX This was a collection account for a hospital medical bill. 

This account was paid in full in XX/XX/2018. 

Since paying off this account, I have called the company numerous times in XXXX, XXXX, and XX/XX/2018 I have spoken directly to XXXX, XXXX, and XXXX. 

I have also written to the company to request that my credit bureau entry be updated to a XXXX balance and the account be marked closed. 

When I call and talk to them, each person I talk to will pull up my account and will acknowledge that the account has been paid in full and claim that they will take the appropriate action to update the credit report within a 30 day time period. 

Yet, the result of each of these inquires has resulted in them taking no action to update my credit report with the correct information. 

The original account amount was {$1600.00}. I paid the balance to {$0.00} in XX/XX/2018, Yet they still show that I owe {$390.00} on XXXX Credit report. 

I have contacted XXXX, via certified mail, and added a dispute to the entry through XXXX customer service. 

The action I am seeking is for them to properly update the credit bureau entry to a XXXX balance and to show the account paid in full and closed.

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 2018-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened an account with Citizens Bank in XXXX, PA on XX/XX/XXXX and my Citizens accounts are not reflecting the correct opening date. 

Also I was promised interest rate of 1.24 % on my money market account and that were not done according to discussion when opening the account. 

Also I was not given documentation promised while opening the accounts. 

I spoke with XXXX ( a supervisor at the Citizens Rhode Island Call Center ) who was not able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: PA

Complaint narrative:
XXXX XXXX continues to contact me regarding a debt owed for a gym membership. I have contacted the gym and requested a call to discuss the membership. My calls have gone unreturned. XXXX XXXX robo-dials and does not make a representative available to speak with. I have tried speaking with someone to dispute the debt but have sat on hold for too long. This company calls at all times everyday. My original debt was {$7.00} but each month that it goes unresolved, they increase it by {$7.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have wrote to TransUnion to remove my extended fraud alert. TransUnion will re-add the fraud alert back on my credit report after I had previously removed it on the TransUnion website. This happens every two days of them adding back the fraud alert. Today I noticed that XXXX has reported they they received the fraud alert notification from TransUnion and is now listed back on my XXXX report as well.

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 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account. 
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: LEXISNEXIS
State: NY

Complaint narrative:
Lexisnexis has n complete information in my file, I have filed a complaint with you, Lexis Nexis replied thayt I should call an XXXX number they provided, That got me no where the person at the XXXX number said it was wrong department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days

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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to correct this numerous times with trans union as well as XXXX XXXX XXXX  to no avail. I was looking closer at the paperwork XXXX XXXX XXXX sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with Nevada power which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/XXXX which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking XXXX XXXX XXXX if it is correct.

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 2018-10-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has failed to comply with my request to permanently remove an extended fraud alert. I have wrote to Equifax to remove the extended fraud alert on my credit report. Equifax has since re add the fraud alert back on my credit report after I had previously wrote to them to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. 
*Under Fair Credit Billing Act ( FCBA ) it is mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: GA

Complaint narrative:
every day at XXXX the call start and they dont stop all day long they call at XXXX XXXX today theyve already made eight calls to me I receive no mail I received no message as call and hang up every day Monday through sunday

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
America express. I never late on my bills. I want to make a couple of payment I been in the hospital, I am very ill. And they keep calling me and harassment me. i told them they bill is not due yet and im still in the hospital and they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My exact issue was not stated, but it deals with Bank of America withdrawing a {$36.00} automatic payment from my acct. on XX/XX/2018, 6 days after I paid the complete balance of {$3600.00} on XX/XX/2018 and asked if the balance was XXXX, which the cs agent said yes, then I asked that the account be closed. Then, since they had authorization to take automatic payments, this company fraudulently took a {$36.00} payment on XX/XX/18 that I did not owe and then they charged me a {$27.00} return check fee because I had already closed the checking acct. I used for the automatic payments.I am dealing with phishing scams on personal email and possible theft of my checking acct. #, so I closed my checking acct. & opened another. The only way I even knew this was happening, was that I received a letter telling me that there fraudulent attempt to get another payment from me had failed and now I was being charged a fraudulent fee for a return check??? This is evil. I spent 1 hr. & 15 minutes wasting all of my phone minutes trying to reach a cs agent at Bank of America, talking with XXXX first who hung up on me because I was upset, XXXX who would not listen to me, but did take the return check fee off & finally XXXX who told me that the {$27.00} fee was taken off and the {$36.00} payment was cancelled out. I wanted a written confirmation of all of this evil that had been done to me and their confirmation that I had a XXXX balance, but they told me they can't even do that, I will have to call back and waste my time again on Bank of America.

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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to XXXX Experian and XXXX XXXX ; to investigate errors on my credit report. They are supposed to respond within 30 days. I have yet to receive my responses.

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 2018-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX/XXXX XXXX XXXX, account no.XXXX ... .is wrongfully reporting on my Experian credit bureau file.The account has been '' verified '' numerous times by Experian, XXXX  and XXXX   credit bureaus yet they ALL REPORT SUBSTANTIALLY DIFFERENT INFORMATION.The account was 30 days late in XX/XX/XXXX.60 days late in XX/XX/XXXX,90 days late in XX/XX/XXXX when it was subsequently closed by the creditor for non-payment on XX/XX/XXXX.The account was never brought current.The accurate date of first delinquency is XX/XX/XXXX and as such is two months away from ageing off of the report. ( 7 years, CALIFORNIA ) .IT IS AN OBVIOUS CASE OF RE-AGEING A COMMON PROHIBITED AND ILLEGAL PRACTICE ( FCRA ) .It is obvious from Experian 's two reports that re-ageing has taken place as a reaction to previous disputes.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information reported to the credit bureaus, FTC violation, submitted the FTC report to all 3, Sent PO report already, more than 45 days

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