vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
This so-called " company, '' Portfolio Recovery, calls incessantly on both our home line and now my new cell. Check the reports on the XXXX  phone lookup ( XXXX XXXX XXXX  ) : They are scam artists and need to be shut down now. Per the alert on that site, dated XX/XX/18 :

Portfolio recovery junk debt buyer, they will harass and threaten with being arrested and put in jail. They are in violation of Federal collection laws and have been sued hundreds of times in the last year and have lost. Report the number to your states attorney generals office and the FTC, FCC and XXXX. We don't owe anything, and I'm sick of their invasive harassment. Our landline is on the national Do Not Call registry, and I am putting my cell # on that registry today, for whatever good it will do. FYI, they apparently also change their # s to make tracking more difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
A company called me stating they were XXXX XXXX XXXX and that they were sueing me over a XXXX dollar debt. I asked if they were collecting the debt they said they are going to take it to court if i did not pay today. I was never given my memorandum of fdca and when i said yes i will pay the debt they asked for me credit card. I asked them what their conpany address was and if they were a government agency. They did seem to be legit and where trying to scare me. I recorded the conversation and have evidence they tried to collect a debt without following the fair debt collections act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: GA

Complaint narrative:
**Note previous report contained grammatical errors and missing keywords. Please disregard complaint XXXX** I received a report from XXXX a couple of month ago stating my identify was on the dark web. On XX/XX/2018, I sent a certified letter along with my proof of address to Transunion to remove unverified fraudulent accounts on my credit report. Instead of responding to my claims, they sent a stall letter on XX/XX/2018 stating the proofs of address were unacceptable. Within a few days, I called Transunion to update my address. Nearly one month later, I still have NOT received a response to verify the accounts. I filed a FTC report on XX/XX/18 and faxed the FTC report along with my ID, social security card, and a copy of section 605B of the Fair Credit Reporting Act which states the credit bureaus must block the fraudulent information within 4 business days. I called Transunion today on Friday XX/XX/2018. They stated do not have to follow the FCRA 605b law and block the fraudulent information. I asked why they will not block the information and Transunion stated they do not have to tell me why. XXXX  has deleted and block the accounts and inquires listed on my FTC and I would like to Transunion follow suit and do the same 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 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY

Complaint narrative:
the company name XXXX XXXX XXXX calling themselves the debt collector for my XXXX accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named sudhirs calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for XXXX, XXXX  and threat.

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 2018-09-21 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: IN

Complaint narrative:
AFTER REVIEWING MY RECORDS I FOUND A CHARGE ON MY CARD FROM XX/XX/15 DONE BY XXXX XXXX XXXX FOR {$750.00} I CALLED BANK OF AMERICA AND WAS NOT ONLY TRANSFERED 6 TIMES BUT WAS ON HOLD FOR  OVER TWO HOURS. THEN FINALLY SPOKE TO A VERY NICE MAN XXXX WHO WAS EXTREMLY HELPFUL HE TOOK MY FRAUD CLAIM AND EXPLAINED I WOULD BE CREDITED. AFTER A FEW DAYS I GOT A LETTER STATING THAT THEY REVIEWED THE COMPLAINT AND SAY THERE IS NO FRAUD, AND THAT IT IS TO OLD FOR THEM TO HELP ME! I NEVER GAVE THESE PEOPLE MY INFORMATION, AND AM VERY UPSET THAT I WOULD HAVE TO PAY FOR SOMETHING I DIDNT DO!

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 2018-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My CD was maturing on XX/XX/2018 I called Goldman sachs on XX/XX/XXXX to not auto renew it. they told me to call back to cancel it.

Firstly of I am telling them to cancel it from auto renew they should not auto renew it.

Now they are asking me 270 days interest penalty when I called them to interest.

they can not auto renew my cd without my instructions. This is just fooling the cuswtomer.

I have wasted so much time with the bank to do this over the phone. Can you please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: IL

Complaint narrative:
On XXXX XXXX, I wrote to Experian, XXXX  , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & XXXX  Informed me that the items were verified. Which is through a the XXXX  system. I got nothing in writing stating who XXXX  & XXXX   spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. Experian never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.

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 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/2018 a charge of {$310.00} from XXXX XXXX was posted to my account, my card was essentially stolen by a coworker. However even after requesting a new card THE SAME NIGHT and trying to deactivate the old one & talking to my bank ( Chase ), they claimed I was responsible for this transaction. The charge still sits on my account, 13 days later and my bank states that I need to pay for this fraudulent charge. I do not know who to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have made numerous attempts with EQUIFAX and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get EQUIFAX to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Equifax has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. My initial request for information verifying or removal of the accounts these accounts was mailed to EQUIFAX on XX/XX/2018. The accounts are XXXX. XXXX XXXX, Ky XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  .I have documented many of my request for information and have received confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have submitted many goodwill letters to Capital One regarding my one late payment in XX/XX/2017. I have over 18 months of perfect payments. I explained to them I went through a financial hardship when my XXXX year old got sick and had to be taken to the hospital. I made the payment as quick as I could and have never been late since then or before then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, In early XX/XX/2018, I opened Citi checking and savings accounts in response to a promotion they were running. The promotion offered a {$400.00} bonus after you deposit {$15000.00} into combined savings and checking accounts. I never would have opened these accounts had they not offered this bonus. I opened the accounts at XXXX XXXX XXXX XXXX XXXX CA XXXX. The banker who opened the accounts for me, XXXX XXXX, assured me that the offer was attached to my account. 

The terms said you qualify for the bonus after 60 days and it will be awarded within 90 days after that. I had {$15000.00} in on XX/XX/2018, 60 days later was XX/XX/2018, and 90 days later was XX/XX/2018. I have called Citi and used their online chat numerous times to ask what the reason for the delay is, and am always told that everything looks fine and they will " research '' the issue. 

The bottom line is that Citi has not honored the terms of its offer, and I feel like the bank is using deceptive advertising to rip me off. If I did not fulfill my obligation on time to Citi, it would charge me an expensive fee for paying late or overdrawing my account. Shouldn't this bank face a penalty for not honoring its obligation to me as well? 

XXXX XXXX checking account ... XXXX savings ... 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 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ has put a bill on my credit for {$410.00} dollars for an unpaid medical bill in my name. I have no idea what this bill is and when I called them they have no record of my name DOB, social security, number or address in their database yet they are reporting that I owe them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: IL

Complaint narrative:
I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX  by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL Recovery Solutions has repeatedly contacted my Mother, my Aunt, my Mother in law out of state, and my employer. They have shared that they are collecting a debt, they have threatened my elderly mother with legal action unless she gives them more information on me. We have gotten calls from a XXXX XXXX, a XXXX XXXX, and one other male caller that I can not locate my notes for the name. 
These calls began within the last 60 days, and culminated today with their calling my corporate headquarters at my place of employment. The call was transferred to me, and when I explained that they are not to contact me at my place of employment, they argued until I ultimately had to disconnect the call. Their employee XXXX XXXX then called back through, demanded to be transferred through to HR, and demanded a fax number. My colleagues have been advised to hang up calls from this company or to send them to voicemail. 
This is a business, and not only that, but their threats and intimidation tactics are illegal. My place of employment is off limits, my friends and family are off limits, and they have been advised as such and continue to call. Please help me stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: SC

Complaint narrative:
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau Experian. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by Experian. Right now, the collection amount balance says {$4600.00}. The creditor address reported by Experian is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by Experian is ( 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 non-monetary relief
Consumer complaint received 2018-09-21 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: OH

Complaint narrative:
I have asked repeatedly for Portfolio Recovery to send varification of the debt and they have repeatly sent only a statement from the supposed credit card company I owe the debt too. No Varification has been provided. No signature saying the debt is mine nothing. 3 varification letters with the same response and nothing to show the debt is valid. This started in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief