vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 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: WA

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. 

I was advised to send a " Dispute '' Letter to each of the 3 credit bureaus to validate the accounts under the FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt ''  so that you can see the tracking of this letter. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( credit bureaus ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and show 100 % verification of the accounts that they're reporting on my credit reports. The only letter Experian sent back to me after my 1st letter to them was saying that they verified all of the accounts that I was disputing. They did not provide ANY documentation showing how they " verified '' the information, nor did they send me any signed contracts or signed applications. 

I then sent ANOTHER letter to them disputing the debts once again, and asking them to provide proof under the FCRA that these accounts belong to me. I told them that you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

They have STILL once again sent me a letter stating the accounts are verified, but have continued to violate my rights by not providing ANY documentation backing up their so called " investigation ''. 

Please note that I have dozens of accounts on my credit reports that are being reported correctly, and I am not disputing the validity of those. ONLY the several accounts that were in my dispute letters that I have attached. 

I demand that these erroneous accounts be removed from my credit report by Experian immediately. 

Thank you for helping me resolve this matter.

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 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
the account was part of a bk XXXX and the original creditor has sent it to 6 collection agency at different times i have notified each agency as the appeared on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
this collection company is trying to collect money i do not owe to an insurance company. it is on my credit report as derogatory info.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servatus Corporation
State: GA

Complaint narrative:
This debt is not owed. XXXX XXXX XXXX XXXX has transferred this account collecting on debt that is not owed. In XX/XX/2018, this issue was already disputed and matter was closed in favor of myself. Please provide in writing within 30 days evidence that this debt is owed and that you have permission to collect on said " debt ''. Also you will see from the statement below how this was handled in XX/XX/2018 : Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO NATIONAL CREDIT UNION ADMINISTRATION We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made online transfers between accounts. Each time it originally showed I did it and then the transfer never went through. I bounced a check, first time in my life, I had to use overdraft which I was charged for. 
When I called customer service they were continuously rude and unhelpful and one person hung up on me. 
I went to the bank, Bank of America branch in XXXX XXXX XXXX XXXX, Fl and I was upset. One rep helped me fix one situation byut manager called police on me and they came and made a scene. 
When I confronted her about it at a later date she denied it saying it was corporate which was a lie. She refused to discuss it. She said she would have a district person call me, another lie. 
I repeatedly asked to speak with someone in Corporate which was denied. 

These instances have caused several problems and B of A employees are generally rude and unhelpful. 

On XX/XX/XXXX I called their branch 23 times with no answer. Manager shrugged it off

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 2019-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been dealing with American Education Services ( AES, also known as Pennsylvania Higher Education Services ) for over 10 years when they began servicing my loan after XXXX XXXX XXXX ( XXXX  ) acquired my loan from XXXX XXXX XXXX XXXX. I originally took out 3 private loans with XXXX during XX/XX/XXXX and XX/XX/XXXX. I was not asked or informed when my loans were sold to XXXX and then serviced by AES. I found out about the new transaction when they began harassing me for payments, while I was still in school. I have struggled with AES for over 10 years on every level. They constantly change my loan terms and rates without reason, my payments are always fluctuating, and when I've tried to work with them on getting an actual static plan together they are condescending and unresponsive. I recently noticed that several borrowers have been in lawsuits with XXXX and AES and their loans were found to be illegally acquired by XXXX and are now being dismissed as AES has been receiving payment on loans XXXX   doesn't actually legally own. I contacted an attorney about this, as my loans fit the description of all the borrowers who have been in these lawsuits. They are loans that were bought by XXXX during the years of XX/XX/XXXX and XX/XX/XXXX, and are serviced by AES. My attorney sent a letter to AES on XX/XX/XXXX ( I will attach the letter ) demanding proof of ownership of my loans, by providing the master promissory note within ten business days. On XX/XX/XXXX I received an email response from AES with a list of my payment history. No proof of ownership, and no master promissory note. XXXX, the " owner '' of the loan has no address or phone number anywhere, and no one has been able to contact them. I am at the point where I feel my loans have been mismanaged, and are now illegally " owned '' and serviced. I have been paying AES for over 10 years, and my loan amount is {$7000.00} higher than my original principle balance in XX/XX/XXXX. I have been throwing my money away for 10 years, and my credit is ruined because of them. This is criminal ... and there are hundreds of complaints on the XXXX XXXX XXXX about these companies doing this to others, and wreaking havoc on the lives of people. I want this made right! I am terrified to waste another XXXX, as it's not even helping my loan balance, but instead they are manipulating everything to make MORE money. Please help get XXXX and AES shut down for the sake of XXXX XXXX. Lives are being ruined by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
There was a fraudulent debit transaction on my Chase account on XX/XX/XXXX for {$140.00}. I notified chase of the transaction on XX/XX/XXXX. I notified Chase on XX/XX/XXXX that my debit card was missing and that I believe the card and PIN number had been stolen on XX/XX/XXXX. I explained in detail that I had mistakenly believed I still had possession of the card on XX/XX/XXXX. I called Chase for a third time on XX/XX/XXXX and was told that my claim had been denied and that Chase was not going to reimburse me for the amount {$140.00}. I told them that I wished to dispute this decision because they are in violation of federal law ( Regulation E. ) I told Chase that because I notified them within 60 days of this fraudulent transaction I should not be liable for more than {$50.00}. I was told by Chase that there was nothing else they could do concerning the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank hired clearly international call center reps to call me regarding issues with my account. I repeatedly asked to speak with a US native or someone that could verify they were from my bank or country. The representatives repeatedly told me I would receive a call back when I placed my request. I never did. Every call I received was an XXXX sounding individual stating they are from Chase and requesting my social security number. No one in their right mind is giving their social out over the phone to someone from a call center, nonetheless outside of the US.

Given Chase used tactics that any reasonable individual would presume may potentially be fraud renders their " attempts to contact '' null and void. They may save on labor costs by outsourcing to a foreign country, but it undermines the validity of their process. Furthermore, when I requested information to verify they were from Chase, they could not provide any proof. When I asked for a call back from someone in the US or at a bank branch in my city or country, they never did. How would I ever presume there was an actual issue rather than a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/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 2019-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
We received a phone call on Tuesday XX/XX/XXXX from XXXX XXXX XXXX   demanding that we call them back about an alleged balance of {$190.00} at the XXXX XXXX XXXX. Thursday XX/XX/XXXX we received a written notice in the mail. 

However, this alleged billing of {$190.00} was disputed in writing every month -- and the Lawyer helping us sent 2 letters, most recently on XX/XX/2019, also by email. 

We have proof that the - XXXX XXXX XXXX has no right to pursue any collection actions on us, because of a very long and well -documented billing dispute with XXXX XXXX XXXX . 

All proof, in writing including our attorney 's letters will be attached.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received my credit report from XXXX and discovered hard inquiries on my credit report that should not have been there. I only allowed for XXXX XXXX to run my credit through Capital One. XXXX XXXX and XXXX XXXX  had no permission to run my credit. I was just shopping around. I have submitted a complaint once before. I contacted both companies and they swear that did not have a department to handle those types of situations. XXXX XXXX at Capital One worked my FIRST complaint and respectfully declined to removed those unauthorized inquiries. I figured since XXXX is a privileged male living in THIS America, he wouldn't actually investigate the case. I was then advised to contact my State Attorney : consumer protection sanction to report both companies AND XXXX XXXX from Capital One. I completed that complaint today and I have faith that the State Attorney : consumer protection sanction will work their hardest to get fair treatment. PLEASE publicly post this so the people can be aware that XXXX XXXX and XXXX XXXX in XXXX, LA with run your credit without permission and that XXXX XXXX from Capital One will not do a through Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/2019 {$14000.00} +Bitcoin {$930.00} The company closed my account without notice, contact with them only will email and XXXX, after few days later, the last mail says You will not be able to cash out funds from this company, I ask them again and just ignore my inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Illegally holding my funds for 180 days ( 6 months ). Total amount is $ XXXX. Contacted multiple times and never got a resolution/response. 
Ref. ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My husband gave me a 4 gift cards for {$250.00} from XXXX XXXX XXXX & someone got my number & used one at the Saks in XXXX XXXX XXXX on XX/XX/2018. I called the asset protection & they are not being much help. The New York store does not seem to know how to investigate in this matter. 

The other 3 cards were used on XX/XX/2018 in XXXX XXXX. They were very helpful & already got the persons name. Theyre sending me a new gift card for {$750.00}. 

I hope you can help me get my {$250.00} gift card back from the Saks in XXXX XXXX XXXX & find out what happen. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: MD

Complaint narrative:
I sent a request to Experian on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on

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 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had an American Express Business Platinum card. I requested to close the account on XX/XX/XXXX. The customer service did not inform me that I would be losing my points. Nobody gave me advice on waiting until the anniversary of my card which is XX/XX/XXXX. 

After XXXX withdraw my points back without letting me know in advance, I requested to re-open my card which was completed on XX/XX/XXXX. 

Given my card is active I would like to get my points back. I already paid a full year annual membership fee. I already made more than 13k spent on this card. In their response to my complaint from CFPB they acknowledge that their practices are subpar where they don't acknowledge what happens when you close the account. They don't read a fine print instead they say the customer should know it when they open the account which is 11 months ago in my case. Same old trick of putting things in to fine print and expecting people to remember. 

How Amex is treating a loyal customer since XXXX is beyond explanation. I like the benefits of the cards and continue to use it. But even though I have been paying my balances full every month and they chose to kick me out from the platform. 

Today I got another surprise. When I logged on I see all my cards are cancelled, personal and business, total of 4 accounts. Again I called customer service to complain about the cancellation. The person decided to cancel all my cards without reading me any fine-print, without asking me if I approve or not. She went ahead and cancelled all of them because she got XXXX at me. 

It seems very clear to me that Amex is putting me into a black list and trying to give me a lesson. If Amex is treating a customer since XXXX who has never had a late payment, imagine how it treats other. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/2016 the Bank charge me for almost eleven months : - XXXX XXXX   {$39.00} - XXXX  {$97.00} As a retired woman I programed my electronic monthly payments in {$70.00}. 
One day I received a letter that I was behind and my new payment increased to {$240.00}. 
For more than 4 months I talked to them back and forth, finally they response telling me that they can reimbursement only the last 3 months and that it is. So I started talking with the companies involved and they were agree to talk to the bank to reimbursement but the bank making adjustment as XXXX or XXXX, XXXX and XXXX I can not to follow them. 
The Bank did not want to decrease my debt in order to continue with my regular payment of {$70.00}. 
They insist to increase my monthly payment to XXXX so I closed my credit card and stop to make a payment and they continue with interest charge for purchases for {$51.00} monthly.

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