vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: NJ

Complaint narrative:
I have been in contact with Experian four times in the last four months regarding my credit report. I notified them of fraud and so far there hasnt been much done about it except for 1 of 10 negative accounts being deleted. I am a victim of identity theft and I am demanding that they comply with the law and remove the unverified accounts. I spoke with a representative at Experian who admitted to me that they never received proof from creditors stating that the accounts were indeed mine. This is malpractice.

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 2019-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one vilated te fCRA by adding a removed item back to XXXX and XXXX   B/c my Data breach Was caused by the FTC violation that XXXX destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. XXXX  and Capital one should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
A year almost 2 years ago I had signed up with a company called the Lexington Law to help me fix my credit due to trying to purchase a home. I paid them for a year and they never fixed my credit. They gave me false information making me think that my credit score was up when it really wasn't. They never gave me my money back for a service that they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
During our trip to XXXX in XX/XX/2019, XXXX fraudulent charges were made on our Bank of America card in the city of XXXX. Charges occurred on days we were not in that city. Charges were noted the day after our return and Bank of America was contacted. Bank of America personnel state the chip on the card was used therefore we must have made the charges. When I refuted their claim they told me it was difficult to sort out a fraud claim if it happens overseas. I have filed my fraud claim 3 times, made countless phone calls, and shared documentation regarding where we were each day of our travels. They continue to deny my claim. 
Arrive in XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. 

Arrive XXXX - XX/XX/XXXX, two nights in XXXX XXXX XXXX.? Withdrew money from ATM in hotel during stay ( used XXXX ATM card ). Purchased painting, ate in the XXXX Quarter of the XXXX XXXX. 
Checked out of XXXX XXXX XXXX at XXXX local time ( XXXX Eastern Time ) of XX/XX/XXXX and traveled to XXXX XXXX, XXXX XXXX, sea of XXXX area. 
-- -- First fraudulent charges made later in the day XX/XX/XXXX XXXX ) XXXX XXXX {$190.00} 2 ) XXXX XXXX {$1700.00} Arrived Ramot - XX/XX/XXXX - Stayed at XXXX XXXX XXXX XXXX nights departing XX/XX/XXXX for XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed at The XXXX XXXX XXXX night. XXXX XX/XX/XXXX for XXXX XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX. XXXX money from hotel ATM several times during stay. XXXX XX/XX/XXXX for The Dead Sea. 

Arrived Dead Sea - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX XXXX XXXX. Departed XX/XX/XXXX for XXXX. 
-- -- Third and final fraudulent charge made XX/XX/XXXX, XXXX XXXX {$4600.00}. 

XX/XX/XXXX arrived XXXX. Stayed one night at XXXX XXXX XXXX. Departed for XXXX XXXX XX/XX/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 2019-08-24 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: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$1500.00} Open balance XXXX XXXX XXXX Original creditor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dispute item. Doesn't belong to me. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i previously sent a DEBT VALIDATION request to Portfolio Recovery Associates in accordance with the Fair Credit Reporting Act and all the I received back was a statement of an alleged charges without my signature on it. This alleged statement did not meet the FEDERAL TRADE COMMISSION and THE FAIR CREDIT REPORTING ACT guidelines to constitute proper debt validation. I have repeatedly called this company in an attempt to rectify this situation and i got was a complete runarounds with absolute no interest in resolving this issue. I will file a lawsuit against this company in 30 days for deliberately damaging my credit report and defamation of character if this derogatory information is not deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My father, XXXX XXXX XXXX, opened up a credit card in my name using my social security number when I was just XXXX years old. I have not personally used this card and I do not have access to it. It is affecting my credit score. I need the card to be paid off my by father, as he is using it for his personal purchases, and I need the card closed and I need it nullified from my credit. The card is from capitol one and has a balance of {$1500.00} as of now. This card was unlawfully produced by my father from my social security number. I need it paid off my him and canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Kings Credit Service Opened XX/XX/2018 {$46.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: WA

Complaint narrative:
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX  XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. 

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 
2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 
XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. 

NES responded and provided nothing I asked for except the copy of the promissory note. 

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.

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 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore declared that is a loan servicer and not the owner of the loan. Therefore not a real party of interest : it can only collect the money and pass to the owner. Also, do not have the right to enforce the loan Please refer to US Code Title 12, Part 226- Truth in Lending.

It defines who a lender is, and what the rights of service are. Specifically, it refers to 226 ( a ) 1 that a servicer is not treated as the owner of the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: WA

Complaint narrative:
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score.

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it.

2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report.

3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note.

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.

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 2019-08-24 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: The Receivable Management Services LLC
State: KS

Complaint narrative:
I called the company and enquired about the account and they had my social security number instead of my son 's social security number, I had my son on the phone, and he verified he was the responsible party. Then they told me that he must have given them my social security number, which he denied, but either way the derogatory mark still is on my XXXX report, I have tried several times to dispute this with XXXX. This collection agency knows this is not my account, I have never had insurance with XXXX, and XXXX turned this account over to this collection agency RECEIVABLE MGMT SVCS. Which I believe has put this Derogatory mark for non payment in an attempt to make me pay my son 's payment because I have no bad marks on my credit report and my credit is above 740 points. since he is a junior and I am senior. our names are the same but his social is not the same as mine.

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 2019-08-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I apply for a barclay financing Visa card I was told to call and finished processing my application so I call and they sent a pass code to my phone to verify my identity so I was approved when I received the card I try to activate it and was not able to activate the card and they told me I have to do another verification to send in documents

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 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have applied to open both a checking and a savings account at Chase on their website. After I was turned down the first time, I have reapplied within minutes thinking that it might have been a processing glitch, I was turned down for a second time. I have applied today, XX/XX/19, and was turned down for a third time. The first two applications were submitted in XX/XX/19 and I have received two letters from Chase explaining the reason for the denial both of which are dated XX/XX/19. It is because of these letters I am filing this complaint today after getting turned down for a third time, for which I am sure I will receive a letter. On each letter, whose copies I will share with you, my calculated credit score appears as XXXX out of XXXX and this calculation is reported by XXXX. There are 3 factors listed as being the reasons why my application is turned down : 1. Two many recently opened accounts 2. Length of time since most recent bankcard account has been established is too short 3. Not enough debt experience The first two negative factors have low impact on credit scores. The third one is the source of confusion in that if I did not have enough debt experience, how could I possibly have a score of XXXX? 
All in all, these reasons do not mesh well with my credit score and my general financial viability which leads me to believe that they were thrown together to make a case which they fail at. 
The only reason for this complaint today is to understand why I was really turned down - need plausible reasons because this is likely to cause me trouble. With my financial background I should not experience anything like this. I would be able to rectify whatever is causing this outcome once I know why it is happening. 
On a final note, the last credit report I got from XXXX ( I am a customer of their monitoring service ) for all XXXX bureaus list my scores as XXXX, XXXX and XXXX. My XXXX score today is XXXX. If there is a blemish on my record elsewhere, I need to know about it since it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I contacted the customer service representative At Citibank on XX/XX/XXXX and requested a reallocation of my credit limit from one credit card to another of my Citibank credit cards. All of my personal security information was provided to the agent before she proceeded. She initially insisted my request was not doable but then she asked that I hold on to allow her to confirm that her response was correct. At this point, we were disconnected and when I called back and explained to a different agent about my dilemma he explained that Citibank policy dictates that agents must close out an account if they are disconnected from the cardholder. To me that is preposterous and I asked if the account may be reopened because I had the account since XXXX with a credit limit of $ XXXX. To add insult to injury, he said the account may be reopened provided he initiate a hard credit pull. I told him not to proceed with a hard pull because I did not authorize the close out and I Citibank should reverse the error.

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 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been with chase bank for almost a year and ive always had my account with enough money it it but the bank is refusing to return my overdraft fee. im very disappointed. i also have direct deposit and i lost my whole paycheck because of it. Im ready to leave and go to XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX  but the debt was sold to XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX, Fl XXXX thats what list on my credit report contacted them via mail never got a return letter there phone number is not listed on my report There is 3 accounts one is for XXXX The other one is for XXXX Then XXXX I never opened a account with this company I disputed it with the bureaus and even got a police report showing the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.

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 2019-08-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Charging privileges suspended by American Express. Absolutely NO warning, and no explanation. Account fully current with no balance due. NO explanation given. 30 year customer. When I call American Express, they can not understand why this has been done and advise me I " will be called back '' when they figure out the issue. It has been 6 weeks and I have received NO response. This card is FULLY current., no balance is owed and they appear to have taken away thousands of awards points without explanation.

Company response to consumer: Closed with explanation