vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My XXXX prepaid card was closed some time around XX/XX/2019 by Chase bank. I can't access my remaining fund on the account and the phone rep I called on XX/XX/2019 said she doesn't know how long until the fund is released. This is such a scammy way for XXXX to take a interest-free loan on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services,  and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.

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 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This company is fraudulent and needs a thorough investigation. 

On XX/XX/2018 I made my first payment on my credit account with them. They claimed that the payment didn't go though because the bank account I used to pay with was closed. This was a flat out lie. I use that bank account to pay all of my bills with no issue. I even double checked my account numbers, but there was no error. XXXX started charging me returned payment fees, and refused to remove them unless I had my bank send them a notice stating that my bank account wasn't closed. I contacted my bank, and they sent a letter to XXXX on XX/XX/2018 stating that my account was open. After a few weeks passed, XXXX claims to have never received this letter and refused to remove the charges while charging my account with more and more late payment fees. They told me I would have to have another letter sent, so I did, but they claimed to have never received that one either. 

Because they rejected the payment I made on a false accusation of my bank account being closed, XXXX froze my credit card account so I would not be able to make any purchases. While my account was frozen, I returned items that I had purchased with my credit card. I was unaware that my account was frozen because they never sent me a notice about it being frozen. I was only aware that they rejected a payment. The items that I returned were never credited to my bill. I had purchased a defective item that the store ( XXXX ) refunded to my card after an email conversation on XX/XX/2018. The refund amount should have been {$41.00}, and they told me it would take 3-5 days to process the refund. That refund never credited to my bill, because XXXX had froze my account. That same week I went to the store in person to return two other items I had purchased. I lost the receipt for the return, but the returned items were roughly $ XXXX {$80.00}. That return also was never credited to my bill. I have since contacted Comenity multiple times about this and they have done nothing to help. I have submitted proof of the email return and they are refusing to take the charge off of my bill. Instead they continue to charge me fraudulent late fees. I will not pay my bill until my bill is accurate. They are trying to charge me for purchases that I returned. Because I am refusing to pay them money that I do no owe them, they are charging me late fees that they're refusing to take off of my account. They are also still claiming that my bank isn't sending them letters, even though my bank has sent them two now. I want all of the fees they've charged to my account removed, and I want the refunds credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My car was reposted in XXXX and I have not received any notice about a sale or anything else I was also not informed on how much the decency balance was

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Innovis
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Nationwide Debt Reduction Services, LLC
State: AZ

Complaint narrative:
In file number XXXX the company agreed not to contact me with offers in the future. I received another letter from them for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from TRANSWORLD SYSTEMS in XXXX of 2017 in the amount of {$910.00}. First and foremost, I have confirmed that the debt collector, TRANSWORLD SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, TRANSWORLD SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to TRANSWORLD SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet TRANSWORLD SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$910.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made on XXXX.18 two transactions at XXXX XXXX and was supposed to earn an additional bonus of 30 % cash rewards for the first purchase up to a maximum of XXXX cash back. I signed up for the offer XX/XX/2018 at XXXX XXXX. The first purchase was in the amount of {$180.00} ( Men 's Department ). The second purchase was in the amount of {$30.00} ( Women 's Beauty department ). The Wells Fargo system defaulted the bonus to the second purchase which was only {$30.00} - I earned XXXX instead of the 30 % of the larger transaction of {$180.00} which should have equated to XXXX . I am due a total of XXXX- XXXX=XXXX. I feel particularly misled because i had the option to use my XXXX XXXX  card for a total of 25 % of my transactions but chose the 30 % the Wells Fargo Cash Wise card promised. 
I called the Wells Fargo rewards department which repeatedly asked me for my receipt which i did not keep as the purchase was a gift for my dad and had no intention returning.They seem to refuse to request the receipt from XXXX XXXX to check the time stamp on the receipt and validate the larger purchase was in fact made first. If I were to dispute the transaction they could easily obtain that receipt from the store.Not sure whether the two transactions made the same date were posted as a batch and the system defaulted to what was convenient for the bank and at the cost of the customer, but this could be a larger systematic issue WF should fix.

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 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I went to the ER in XXXX XXXX because I had the symptoms of having a XXXX XXXX. I told no less than five attendees that I drank some Turmeric Tea too fast, and that it may be XXXX XXXX. None of them wrote it down. My friend was with me and was a witness to this. I sincerely believe that since I had Insurance, they saw me as a dollar sign. They insisted keeping me overnight, and so I could avoid having to pay a {$100.00} insurance deductible. I should have not listened to them. 

My credit was wrongly attacked because one of the doctors, claimed he was called at XXXX  to assist with the doctors on staff with my case. They didn't tell him about the turmeric tea. Dr. XXXX is the source to what I believe was fraud. I have more than 40 pages of records from the hospital to prove none of them documented the turmeric tea consumption. 
They even referred me to a XXXX XXXX, and they tried to get thousands of dollars from me to investigate more. I also feel they had their ultra sound tech pretend she couldnt see part of my XXXX. I found out ALL of these doctors were on staff at the XXXX XXXX Hospital. I cant help but feel this a racket to make money off of unsuspecting people Dr. XXXX was also asked to not ever return to the hospital to where I was treated. 

I contacted my attorney to get Dr. XXXX XXXX to leave me alone. He told my attorney that I was : 1. XXXX  XXXX, which was not true. 
2. Stated that I maintained a high sodium diet. This is false because I didn't have the benefit of an 8-12 hour fast before they XXXX XXXX. 
3. Stated that I had untreated XXXX XXXX. I have been under a doctor 's care for XXXX XXXX XXXX since XXXX. I didnt have my XXXX machine with me when they admitted me into the hospital. 

This doctor violated HIPAA laws by giving this information to my attorney without my knowledge or permission. 

This fraud is still showing on my XXXX XXXX  report, and I want it gone. I also told RS Clark and Associates ( the Collection Agency ), that the claim was false and fraudulent and they refused to remove it. I am not paying them {$230.00} for their false claims. I am even considering filing a HIPAA violation against this doctor for providing my medical information to a 3rd party without my permission or knowledge. 

Here is the Collection Agency information. 

RS CLARK AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
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 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been using a XXXX  credit card for over 25 years, Paid on time, BUT on XX/XX/2019 I paid Synchrony Bank the company that services the XXXX  card AS I always have {$100.00} for my XXXX Bill!!!!,,,,, BUT they took the {$100.00} and applied it to the XX/XX/2019 bill. 
On XX/XX/XXXX MY XXXX credit card was canceled and Synchrony Bank charged me {$27.00} late fee. And reported me as being late to the credit reporting companies!

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 2019-02-23 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
On XX/XX/XXXX an autoloan with State Farm bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN : XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to DMV and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted State FarmBank and disputed this loan as well, I was in contact with an Investigator-State Farm Bank Financial Crimes, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on  XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called XXXX  and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: Midwest Recovery Systems
State: FL

Complaint narrative:
I was on my credit report online ( XXXX ) and my credit report has a new company showing up a ( in collections ) company trying to collect the {$800.00} charge is listed as Midwest recovery systems however the actual company is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone XXXX I have never once done any business with this company, never have I signed up or received any loans from this company, I have never received a call, mail, or any type of literature showing this as valid this is a fraudulent charge and I would like to take legal action as I have called both companies one has no record of me, the other is clearly a scam as all they keep trying to is get you to give them personal details via telephone and use scare tactics like telling me ill go to jail unless I give them money, social security number, and other personal details companies like this should be reprimanded and not allowed to be able to do this to good people who actually pay bills, taxes, etc on time without ever being late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: IL

Complaint narrative:
On XX/XX/2018 I have applied for promotional offer from American Express XXXX Business card that offered XXXX points after spending {$5000.00}. After meeting the spending requirements I was not awarded the welcome offer points. I have not had any messages from American Express stating that I do not qualify for welcome offer. I have met eligibility requirements. I have contacted Amex multiple times, asked to open investigation. Points were still declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls multiple times every day and they need to stop all calls.

Company response to consumer: Closed with non-monetary relief