vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
I have worked with the XXXX XXXX XXXX  Call Center since lateXX/XX/2017 to resolve the technical error whereby the XXXX XXXX XXXX was not at first recognized by the XXXX XXXX.

Bottomline, after submitting proof that I was covered by an XXXX Account well before the alleged violation on XX/XX/2017 XXXX provided proof that all debts were paid through the XXXX account and by a separate payment of {$27.00}. This final resolution was under Confirmation number XXXX.

Despite this, someone representing the State of Illinois referred the matter to the debt collection firm : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WI XXXX  XXXX  alleges I owe over {$700.00}. Note that I have yet to have an actual State Employee pick up or return my call.

Looking on-line, it appears that the Call Center Contractor and XXXX are quite active fleecing the taxpayers of multiple states while the taxing authorities turn a blind-eye to this revenue-enhancing illegal debt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Phoenix Financial Services.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$230.00}

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 2018-12-03 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: WA

Complaint narrative:
I took out a loan of {$9700.00}. in XX/XX/XXXX, to fund a business I got involved in with XXXX ( XXXX XXXX XXXX XXXX ). In XX/XX/XXXX XXXX was proven to be a scam by the FTC. I contacted all the credit institutions I had borrowed from, and on the Bank of America website it directed me to contact an employee of BofA directly. I did this, and was informed by an agent here in XXXX that Bank of America would do nothing for me. I continued contacting the other banks, and have had success with most of them so far. Recently I spoke with an agent from BofA about a different matter, and the subject of this devastating scam came up. He encouraged me to contact the fraud department and re-open my claim. I was finally able to find the right link, and Bank of America sent me a very long, detailed page to fill out, which I did, and sent it to them. They have since denied my claim because I did not dispute the charge within the 3-month window that they insist on. However, I could not have done that, because XXXX had not been proven to be a scam before XX/XX/XXXX. I received none of the promised benefits from XXXX, and feel I have a valid claim to this dispute.

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 2018-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
Sent multiple dispute letters requesting verification of the debt. Letter sent on XX/XX/2018 and XX/XX/2018 only to receive notification that the letters were received. Verification of the debt has yet to be provided and this outstanding debt is continuously causing negative impacts to credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: CA

Complaint narrative:
For approx 11months I've had numerous errors on my TransUnion report and the credit bureau refuse to remove errors per FCRA.

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : RECEIVABLES PERFORMANC Account Number : XXXX Date : XX/XX/2018 Amount : {$660.00}

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 2018-12-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Cash withdrawal was taken using my credit card number issued by XXXX. At the hour of withdrawal Philliipino Agent of of XXXX call me at my home number and asked if I had made a withdrawal 35 minutes ago, when I stated NO I HAD NOT MADE ANY!!! 
The agent said thank you, we had caught a fraudulent transaction, do not worry we cover you 100 %. I had talked to the reps of XXXX 4 times already about the charge, two times blocked the card, and issued NEW CREDIT CARD!!! However, the {$400.00} and the {$20.00} cash withdrawal fees ARE STILL ON MY CREDIT CARD TO COLLECT!!! 

The use of incompetent, hard-English speaking phillipinoes providing a nightmare type of services and the US oversite does not correct the massive problems! 
I ask that XXXX would receive a strong denunciation of their CREDIT CARD OPERRATION, and correct the instant problem in a timely manner!!!

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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My tenant ( XXXX XXXX ) used to send his regular monthly rent via his Wells Fargo Account. He will send money from his Wells Fargo account to my XXXX XXXX account. Wells Fargo has a very faulty implementation of XXXX ( XXXX is from XXXX XXXX XXXX ) for the money transfer.Wells Fargo has no other way to make inter bank money transfer like old traditional ACH. Wells Fargo are forcing to use the wire transfer which is costly. 
My tenant is more than XXXX years of age and this issue is happening 2nd time. 
Every time - myself as well as my tenant has to spend time dealing with non customer friendly Wells Fargo every now and then. 
Today I talked with XXXX and XXXX XXXX during XXXX to XXXX XXXX central time. 
They only have excuses : 1 ) Telephone line is not clear 2 ) You have strong accent 3 ) It's XXXX 's problem - go and follow with them 4 ) It's the  problem with your tenant. You can not talk on their behalf.

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


XXXX XXXX XXXX Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$310.00} Terms : High Balance : {$310.00} Limit : Past Due : {$310.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO

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 2018-12-04 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: CA

Complaint narrative:
For approx 11months I've had numerous errors on my XXXX report and the credit bureau refuse to remove errors per FCRA.

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 2018-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


WFDS/WDS Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$610.00} Date Opened : XX/XX/2014 Balance : {$21000.00} Terms : High Balance : {$20000.00} Limit : Past Due : {$21000.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF 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 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dear Sir/Madam, I found a fraudulent charge on my savings account when I was looking back the transaction history on XX/XX/XXXX. I found one of my personal check was used by someone whom I don't know for XXXX $ on XX/XX/XXXX in XXXX XXXX XXXX, XXXX. 

The check was cashed to " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX  The check payee name is : XXXX XXXX I XXXXontacted my bank ( Bank of America ) as soon as I realized this fraud and raised complaint on XX/XX/XXXX. They took 90 days to investigate and told me today that they can't process this request as it is beyond 60 days from the date of incident, as per bank policy. 
So I am raising this complaint to you. Kindly do the needful. 

Please let me know if you need any further details.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian auto enrolled me to their membership and do not let me unsubscribe. They keep charging me XXXXmonth and there is no way to cancel the service. They are stealing money from me and I cant stop them from doing that since they have my credit card information.

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 2018-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have discovered many UNAUTHORIZED inquiries on my credit reports from PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. They DO NOT have authorization to make inquiries on my credit report. It appears they have been making an inquiry every month since 2016!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
This is regarding a formal notification we received from a collection agency, EGS Financial Care , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Phone # XXXX ) for Creditor - XXXX, Shipper # XXXX dated XX/XX/18 amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
On XX/XX/XXXX we called HSBC Bank to close out account. They told us that they would mail us a check for {$730.00}, On XX/XX/XXXX we called to see why we had not received our check. We were told that it takes 5-7 business days and the check was written on XX/XX/XXXX but might not have gone out until XX/XX/XXXX. Called XX/XX/XXXX. Check takes 7-10 business days and should arrive soon. It has been 10 days today. Wait it will come. Called XX/XX/XXXX. Check has not arrived. XXXX will check on it and call back tomorrow. Did not call back. XX/XX/XXXX we called. They will stop payment on the check but we need to sign an indemnity letter first. This must be mailed to us not faxed or emailed to verify we can receive mail at our address. On XX/XX/XXXX the indemnity letter was received by us. We completed it and had it notarized. Sent through US post office with signature requested. Letter received by them XX/XX/XXXX. Stop payment requested, but must first be cleared through bank. We need to wait until XX/XX/XXXX and a new check will be issued. We called XX/XX/XXXX. Check was mailed XX/XX/XXXX. Please allow 5-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This Company just closed my account without calling me or sending me emails to confirm items on file. I spoke with a manager by the name of XXXX on XX/XX/2018 he refused to give me his last name but He told me the company was protecting me from fraud and they decided to close my account for my protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I submitted a request to lower my monthly payment. There were several payment plans presented and an option to have the lowest cost plan selected based on what I qualified for. I selected that option. Navient then put me into forbearance which I did NOT want or know would be one of the option ( assumed they'd all be one the presented plans - forbearance was not listed as one ) for three months. Now my new payment plan after three months is higher than what I was paying before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a two accounts at chase bank, Sunday everything was fine come Monday I tried to use my debit card and the card was declined. I called Chase Bank and was told my accounts were closed and no reason could be given. My chase accounts were in good standing, no overdraft, funds stayed above a certain limit. Im stuck and confused, they really could not give me a reason why the account was closed the representative could only say they have no reason and when I receive an official letter that as well will be vague. I am highly disappointed and very angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments. 
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}. 
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018. 
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?

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