vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. 

After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. 

Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now First Heritage is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hello XXXX im ' sitting here in a chase bank in nys, on XXXX XXXX. or route XXXX. i lost my debit card and i just got it cause and if it werent ' me why would they send me the ppl when i guys the back office at this branch has a female, id ' look into. and you guys know me i have better XXXX to do with my life then write tonyou ... 
i had lost my debit card and chase send me a new one and address so i go t oh im XXXX by the way ... so i want ti file federal charges for violating the intelligence identification protection actand its my XXXX money, i dont care whose XXXX prez, its my money this XXXX refused to activate my debit card and so i go, i wan na close my account, hes like no ... so someone cia that you know, il gonns ] a leave this chase branch with some XXXX guy going exec orfer XXXX the us constitution. and its my cash how branches you think in XXXX cant get this fixed, but next branch i lost myid i dont have any and then they follow chase policy and ask me to punch in my ssn guys i told him everythinyg he didnt ask i told him my last withdrawl my last deposit how much where iopened the acct and like what dc excuse you gonnna send me where im leaving this bank with savings vhecking and cc # and no access to my acct even through chase corporate sent me a new debit card. and his excuse seeing my email address and pin point iwonder whose bank manager here ... either way im a stock holder and they think im XXXX why when do ya XXXX jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I received notice from the AARGON AGENCY - below is the email received from the company that it has been paid -- the company refuses to acknowledge it and says that I have not paid. 

Aargon Agency INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Reference Number XXXX Sunday XX/XX/2018 at XXXX XXXX Debtor Account : XXXX Collector : XXXX XXXX Info. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Mobile : XXXX Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Status : APPROVED Approval Code : XXXX Order No. XXXX Reference No. XXXX Credit Card : ending in Subtotal : {$130.00} Processing Fee : {$0.00} Charge Total : {$130.00} I AGREE TO PAY ABOVE AMOUNT ACCORDING TO CARD ISSUER. 

Signature : X XXXX XXXX XXXX As of XX/XX/XXXX, this debt has accrued interest and has been bought out by XXXX XXXX XXXX XXXX. Phone # XXXX XXXX I just do not think it is fair to charge for a debt that has been paid.

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 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXXand XX/XX/2019I requested verification of an alleged debt owed by me to XXXX XXXX account # XXXX XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.

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 2019-08-09 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: NJ

Complaint narrative:
In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # s XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.

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 2019-08-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting my account closed as of XX/XX/2019 when it is not closed it is PAID OFF as of XX/XX/2019, this caused a 69 score point decrease on my Equifax credit file/ report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Quality Asset Recovery LLC account # XXXX amount due : {$3300.00} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.

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 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
The law offices of Michael Harrison Attorney at XXXX XXXX XXXX  XXXX -Site XXXX in XXXX XXXX NJ XXXX keep sending me debt collections to a person named XXXX XXXX XXXX does NOT live here nor is a citizen of this country. However, they keep sending it to me. I have not affiliation with this person. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
For my Bank of America Best Balance Rewards card ending in XXXX ( an account I've had for 46 years ), I am given a {$25.00} quarterly cash reward if I pay at least {$1.00} over the minimum payment on time for the previous 3 months, by the due dates for those months. I have successfully met these requirements for the months of XXXX 2019, however, in XX/XX/2019, the cash reward was not posted to my account ( please note, reward are always posted in the first 5 days of the month following the previous 3 month period ). I contacted the bank 4 times : on XX/XX/XXXX, spoke to XXXX, who said she would submit a research ticket and the results would take 10-14 business days ; on XXXX, spoke to XXXX, who submitted another research ticket, REF XXXX, and said the results would take 3-5 days ; on XXXX, spoke to XXXX, who reached out to the " credit card '' department who said that the 10-14 day period was not up yet, and she suggested I call back on XXXX ; on XXXX, spoke to XXXX, who said she doesn't have a record of any resolution yet, and she then submitted a formal complaint to Bank of America on my behalf. As of this writing, I'm not confident that Bank of America will honor the terms of the Better Balance Reward program, and I'd also like to know what is taking so long to do research.

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 2019-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I recently became XXXX and have tried to work out a lower payment and payment plan until my XXXX benefits kick in. The company agreed to a payment plan however one of their employees continually harasses me by phone and email demanding checking and credit card information. I have explained that I do NOT want to set up a payment date as it may lead to NSF charges and she continues to harass me about my checking and debit card info. I have asked that she NOT contact me any further and have even complained to her supervisor and she still continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now XXXX XXXX is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: U.S. BANCORP
State: MN

Complaint narrative:
For greater than one year I have repeatedly requested that XXXX remove US Bank 's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from US Bank acknowledging the error and blaming XXXX. Also attached, in a dispute to US Bank, is the contact from XXXX  that stated that US Bank keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on 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 2019-08-09 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: CA

Complaint narrative:
Citibank closed my Citi TY Preferred account for inactivity. Under California CIV 1747.85, " Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder 's use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made. '' I did not receive any notice.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has the month and day of my birth date wrong, is listing two names not associated with me, and is listing my previous address as my current address. I tried to dispute these errors online on XX/XX/2019, but the website responded with a " not disputable '' error message for each. 

I tried calling, but could only reach a robot. It is impossible to speak with a person regarding the errors in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
Fidelity National Title Agency is charging {$2300.00} in " late fees '' when I have not paid late. Fidelity has told me over the phone, that even though the late fee issue was not my fault, they will not remove the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was alerted via XXXX XXXX ID Theft protection service that an account was opened under my social number with Navy Federal Credit Union on XX/XX/2019. The bank did not verify that the social securitynumber did not belong to the person opening the account. It also ignored the fact that I had place a security freeze on my social security number with all three agencies. I have filed a report with the bank a week ago and they aresupposed to investigate but they have not been forthcoming about how this happened and what damage hasbeen done to my credit file as a result. I have called multiple times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
NetCredit sent a notice of adverse action well outside of the window required under CFPB rules. The notice of adverse action should be sent within 30 days of a denied application and I received the notice today, XX/XX/XXXX, for an application for pre-qualification made in XXXX of this year. 

" We are writing to you with information about your application with NetCredit on XX/XX/2019. Due to an internal error, this notice was not sent immediately after a decision on your application was made. As a reminder, you are entitled to a free copy of your credit report that was used in our decision-making process. If you have any questions about this notice, please contact NetCredit directly at the number listed below. 
Date : XX/XX/2019, XXXX XXXX Central Time "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again,  First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In an attempt to purchase concert tickets, I communicated with an internet seller. He gave his name, email address and phone number and via a phone conversation, explained that he felt more secure using XXXX  through his bank account. He sent a screenshot with a confirmation that tickets had been transferred to my friend with all relevant personal information and pickup information confirmed - it looks legitimate. 

I initiated the transfer through XXXX via my Chase Banking app, presuming that I was protected by Chase Fraud services if the transaction were to go sour. If I was transferring money from within my Chase account, SURELY Chase services would still protect me, right? No ... .I was wrong. I confirmed the transaction and followed the seller 's instructions for ticket pickup, however the tickets were not there as promised, and when I tried to contact the seller, he of course was unresponsive. Nowhere in the XXXX  payment initiation process does it prompt you to confirm that the transfer is NOT protected by the normal Chase fraud protection, again, despite the fact that it is literally embedded in the bank account. It's incredibly, and intentionally, unclear and misleading. The entire point of using this tool was to avoid something like XXXX, which in retrospect, is exactly the same thing. 

I presume his information is also fraudulent however here it is : Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Bank : XXXX Method of Transfer : XXXX  ( Chase to XXXX ) Amount : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX amount due : {XXXX} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

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