vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Around XXXX of 2018 I disputed a debt that was reporting on my credit files by a collection agency called XXXX XXXX. The debt was fraudulent and was removed XX/XX/2018. 

A new collection agency called Diversified Consultants is now reporting the same debt that I had removed due to fraud. Diversified Consultants is attempting to collect on a debt that was demmed fraudulent. This company is attempting to collect on fraudulent debts that they clearly do NOT own and can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: MA

Complaint narrative:
On XX/XX/2016, the auto loan with XXXX XXXX XXXX XXXX was opened in the amount of {$3500.00} dollars, this loan was paid in full, I contacted the company to verify that it was paid in full and I was told that it was. I filled for bankruptcy around XX/XX/2016 and for some reason this account with XXXX XXXX XXXX XXXX was included in it, I called Experian and I disputed this account so that they can delete it from my credit report, I received a response from Experian by United States Postal Service and the account has not been deleted from my credit report. I need this account deleted from my credit report because it is affecting my credit score, my question is, how is this account on bankruptcy if I paid the balance in full and when I contacted the company that approved the loan, I was told the same thing by one of their representatives.

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 2019-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: TX

Complaint narrative:
I received a notice from Experian stating that they refused to investigate or validate anything I contested on my file.

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 2019-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Sometime in the past I had disputed the medical bill I received from the hospital and then later I received a call from the collection agency ICS. At the time of service I had XXXX and conveyed to the hospital that the bill would need to be billed directly to XXXX and there was no other insurance. That same month I had services at the hospital with another department and they verified that I had XXXX and billed to XXXX. The XXXX services that I received that were sent to collections were indeed covered by XXXX. I was told by the hospital and the collections agency that even if they billed the services to XXXX that it could take too long to pay in and they were demanding monies over the phone or I would be sent a bill for collections. Spoke with the hospital and was told that the bill is covered by XXXX so the balance would not be sent to collections. 

Fast forward to XX/XX/XXXX, the account was placed into collections and is affecting my credit score. I never received a written notice that this account would actually be placed in collections. The hospital never informed me that the balance was no paid by XXXX and I was told the situation was resolved from the last communications back in the fall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX  card.XXXX  stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX  account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise thank you

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 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. 

This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: NJ

Complaint narrative:
My XXXX has not been received in the mail and does not appear to be available online either. I need this document to complete my taxes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: PA

Complaint narrative:
I read about a {$200.00} bonus offered by Discover Bank for opening an account and depositing {$25000.00} by XX/XX/2019 on XXXX XXXX XXXX. It read : " Open your account by XX/XX/19 Get Started To get your {$150.00} and {$200.00} Bonus Offer : What to do : Apply for your first Discover Online Savings Account by XX/XX/19, online or by phone. Enter Offer Code XXXX when applying. Deposit a total of {$15000.00} to earn a {$150.00} Bonus or Deposit a total of {$25000.00} to earn a {$200.00} Bonus by XX/XX/19. Maximum bonus eligibility is {$200.00}. 
What to know : Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover.  Account must be open when bonus is credited. Bonus will be credited to the account by XX/XX/19. Bonus is considered interest and will be reported on IRS Form XXXX. Offer may be modified/withdrawn. '' I'm attaching a copy of the ad for the bonus. 

I opened the account over the phone and gave the offer code XXXX. The {$200.00} bonus was to have been credited to my account by XX/XX/XXXX - last Monday. On Thursday I phoned Discover to ask if it had been credited, and " XXXX '' said that it hadn't. I phoned back on Friday and spoke with a woman ( I think her name was XXXX but am not sure ) who said it still had not been credited to my account. She asked if I had given the offer code and I said yes. She said she would have to listen to the recording of my phone call to verify that I had in fact given the right code. 

It is unethical to promise a bonus and then delay delivering the bonus, and to look for an excuse not to offer the bonus. I certainly would not have deposited exactly XXXX at that time unless there were a bonus. And the phone number for Discover Bank is in my phone as " Discover Code XXXX '' specifically for that reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is in reference to case number XXXX. This case was summarily closed as being a duplicate. In actuality it was attempt to clarify the erroneous result of the investigation. 

Please consider the following : Attn : CFPB, XXXX XXXX Thank for the time and effort you have given to my situation. 

A. The matter regarding credit for {$5000.00} for a charge made to XXXX B. The matter regarding credit for {$2800.00} for a charge made to XXXX a. The result of your review is based on your misunderstanding of the timeline and coincidence of the amount and reason ( s ) for disputes. 
Recognize there were XXXX separate charges for {$5000.00} in close to one another. The first was to XXXX ; transaction XXXX and the other to someone from XXXX XXXX, XXXX, NV : transaction XXXX. 
I called in a dispute in XXXX. 2016 for the transaction XXXX in the amount of {$5000.00} by someone in XXXX NV. I did not make this charge. As you can see by the foreign fees I was in XXXX. Yes when noticed this charge I immediately called it in. The card ending in XXXX was cancelled by your fraud department and I was given a new number ending in XXXX. This was handled as it should have been and thank you for the great service at that time. 
Now fast forward to present time. I am now disputing the transaction XXXX, a charge I did make at that time in the amount of {$5000.00} to XXXX. XXXX has been shut down for fraud by the government and has gravely impacted its members due non-access to products and services and the internet marketing system. 
b. The charge for {$2800.00}, transaction XXXX to XXXX  was mentioned in the initial case submitted through CFPB. This is a charge that also represents the payment made to this failed company. The refund in the total of {$7800.00} is requested. XXXX + XXXX = XXXX. If I have to or there is a need to file a separate claim for this charge based on the same reason : FRAUD, then I will do so. Please advise. 

My response is in direct response to XXXX XXXX, XXXX XXXX, XXXX XXXX  received by mail.

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 2019-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried resolving this issue with the Equifax and XXXX XXXX  by asking them to validate the debt with documents showing I owe the debt. I never live at XXXX XXXX and I never lived at XXXX XXXX XXXX, Tx XXXX. XXXX and XXXX have removed because this is not me and I do not owe the debt. Please remove from Equifax report debt dat reported XX/XX/ 2015 reporter XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a letter from a collection agency notifying me that they had closed my account and requested that the credit reporting agencies remove the collection agency 's entry from my credit reports. 
Soon after that, my Equifax credit score plummeted 40 points in one day and up 55 points 2 weeks later, and down 54 last week for no traceable reason, with no update on my credit of the deleted collection agency and their entry.

At the same time, my XXXX credit went up 30 points and later up again another ten points, with a message to me that the collection agency record & entry had been deleted.

I disputed Equifax 's actions on their dispute form and received an email response 2 days later with their 'resolution ' stating that Equifax 's information and actions on my credit report were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Complaint 1 - Recently, I aquired a copy of my credit report. It indicates I have 6 XXXX XXXX accounts that are closed by credit grantor. I requested proof that these accounts are mine showing my signature. XXXX XXXX and Equifax have not provided a copy of said signature. Equifax continues to send me a credit report indicating the information is correct. By keeping this information on my credit report without proof of signature they are violating FCRA.

Complaint 2 - I informed Equifax that XXXX XXXX is breaking the law by filing a monthly alert on my credit file. I informed Equifax that XXXX XXXX is changing the dollar amount due and filing a new complaint each month. XXXX XXXX is effectivly reaging the account monthly in a malicious attempt to continue to destroy my credit. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This past summer I signed up online for a credit card with Chase Marriott and I was supposed to get a XXXX point bonus that required {$4000.00} in spending. I spent over {$4500.00} within the next 3 months fulfilling the conditions. When i called to say i never got the points, Chase Marriott said that i signed up for a different promotion where i needed to spend {$5000.00} and would receive XXXX points. I would have been glad to get this promotion but its not what i saw or what i signed up for. I asked them for proof of my signature, but they said they dont have it.Obviously their computer system mistakenly shows that i had a different promotion and they are refusing to fix it. I wish i had taken a screenshot of the promotion.I suggest that others make sure to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Concurrently I am trying to resolve the issue with the collection agency. They are listed as XXXX XXXX and I have looked for their ability to legally collect in the state of Arizona through licensing and being bonded in accordance through AZ law, and IRS regulations along with validity of the original debt and signed contracts through the Credit Reporting Agency 's XXXX  and TransUnion

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 2019-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
This complaint is in reference to a payday from Amscot My complaint is about there collection efforts. I took out a payday loan in the amount of {$500.00} on XX/XX/XXXX. I extended the loan due to my loss of employment and I eventually ended up XXXX. I provided Amscot with payments as I received money from various jobs, unemployment, family, etc. I have spoken to XXXX and XXXX of Amscot throughout this whole process. I paid several payments and my latest payment arrangement was made that I would make a payment within two weeks prior to this recent went I went into Amscot on XX/XX/XXXX to pay my daughters utility bill for her using XXXX XXXX. I was assisted by XXXX an employee of Amscot. I presented her with the bill and told her I would like to pay this bill. XXXX proceeded to ask for my drivers license and I told her, this is to pay a bill. I handed her my license, she ran it through their system, and proceeded to tell me, " are you aware you have a payday loan with Amscot, I informed XXXX that I have made arrangements for that balance to be paid and that this transaction has nothing to do with my transaction I am here for. She continued to ask me how would I like to take care of this balance. At this time she was harassing me after I told her payment arrangements had been made and my current transaction has nothing to do with why I am here today. I repeatedly asked for the money back that I had given her for my daughter 's transaction and she kept asking how would I like to pay my payday loan back.

My problem with Amscot they are very harassing even with their phone calls to you. You call and speak to people there, explain your situation, make the necessary arrangements, and they still call you a dozen times a day. It is not necessary if they update their system. I have told them repeatedly you do not have to call me 10 times a day about this loan. They continue to do so. On XX/XX/XXXX XXXX did not read me the mini-miranda because at that time she was attempting to collect a date and any information I provided to her was suppose to be used for that purpose. This young violated my rights. harassed me when I explained to her payment arrangements had been made already. and embarrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have two Home Depot accounts and both have balances on them that are Interest free for a certain period of time. I made a payment on the wrong account.The interest is not due until XX/XX/2019. I then paid the correct account that the interest free ends in XX/XX/2019. I went back in to delete the payment I made on the wrong account {$640.00} and it would not let me delete payment. Called and Citi Bank as horrible said it was a dispute process and would take up to 60 days. Tried to get money back I over paid via phone but very rude agent XXXX ID # XXXX ANDE HIS BOSS XXXX XXXX. Was hung up on by Supervisor. Over paid and not getting any help

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 2019-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
On XX/XX/2019 I received notice from my credit monitoring service that a collection account for {$650.00} had recently been placed on my XXXX   credit report. I accessed my credit report and verified the listing of the collection account and amount stated due. Prior to receiving an alert from the credit monitoring service, I had not received any correspondence verbally or written from the collection agency that placed the account on my XXXX   credit report and I have filed a fraud investigation request of the account with 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 2019-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: CO

Complaint narrative:
To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a former XXXX XXXX with one of the largest financial software companies. 

I am Chase Sapphire Reserve and Chase MileagePlus Explorer credit card customer, and continue to be fully opted out on all Privacy Preferrences, i.e., Creditworthiness, Non-affiliates, Affiliates, and given we are located in California, Chase Companies and Chase Affiliate Companies. 

Chase Sapphire recently sent us an offer with Balance Transfer checks, preprinted with our names and addresses. This offer was sent from Mr. XXXX XXXX, General Manager, Chase Card Services. 

This is a Privacy violation in that : i ) we are fully opted out, and ii ) Balance Transfer checks are not suppressed in their opt-outs.

Company response to consumer: Closed with explanation