vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX, I Received A Call Identifying as XXXX County Legal Department/Office stating that there was legal action for a debt being owed and that a Suit was being filed against me. I explained that I was unaware of the Suit, nor Had I received documents in the mail. I was provided a phone number ( XXXX ) XXXX along with the Case number. At XXXX, I placed a call to the number provided to me, and spoke with a woman name, XXXX XXXX , who represented a company called " XXXX. '' She would not provide me with an address of this Company due to " safety of their clients. '' I stated the reason for my call, and provided the Case Number that was given to me. She stated that the Case was Locked, and needed to place me on a brief hold to get the case manager provided for my case to be unlocked, so that she may give me the details of the suit. After returning to the phone call, she proceed to explain to me that actions was being taken on by a Pay Day Loan Company accusing me of Fraud as well as providing me with information of cost if the suit continued with or outside of court. I stated I had not received any information in the mail in regards to this suit and asked that why Had I not been contacted. She replied with saying the company has no current address on file for me to be reached, although the Pay Day Loan was done within the current address. I was threaten to be taken to court if I did not agree with the payment arrangements to handle the case outside of court. Before I realized that this was indeed illegally, I recommended a different payment plan which she refused therefore leading me to end the call. I made a call to the first phone number identified as XXXX County Legal Department, if it was legit and no one answered the line. There was no recording verifying that this number was XXXX County Legal Department, nor was there a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not the originator of the enclosed information on my credit report.

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 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: CO

Complaint narrative:
This is a medical bill that was 100 % covered by my insurance. It just showed up on my credit bureau, as the only negative account I have. I called the collection company. The company being, AMCOL SYSTEMS@XXXX. XXXX XXXX XXXX, SC XXXX. This company was informed of my insurance company being responsible for this medical bill. I called them over and over about pursuing the bill thru my insurance company. When I saw this bill in collections thru XXXX XXXX, I called the insurance company again and was given some very upsetting information. The agent at my insurance company said that Amcol Systems REFUSED TO RECEIVE THE DOCUMENTATION PROVING THAT I WAS COVERED AT THE TIME OF THIS MEDICAL EMERGENCY!!! I am very overwhelmed with this since I care dearly about my credit and this one bill has brought my score down over 20 points. I am talking to an attorney now. This is so wrong!!! I have recently lost my husband, had a XXXX XXXX and XXXX XXXX XXXX. I am in a wheel chair, unable to drive so I have tremendous challenges both physically and emotionally. I am going to get the documentation myself and fax and mail it directly to the collection company. If this isn't resolved soon I will pursue legal council and file suit against AMCOL SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 2 ) XXXX XXXX -opened XXXX XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX XXXX {$3100.00} 4 ) XXXX XXXX   Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$210.00}

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 non-monetary relief
Consumer complaint received 2019-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am not the originator of the enclosed information on my credit report.

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 2019-09-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has closed two of my business credit cards, the first business card was the ink preferred, and then i went to apply for the INK BUSINESS UNLIMITED and got approved so then when i got my card i went to the XXXX XXXX to purchased computers for my business to take advantage of the 12 months 0 % interest, During at the store i got declined and i called chase and every person i talked to couldn't give me an answer as too why my charges got declined, i was approved for a XXXX credit limit, that i couldn't use.I was getting transfer back and fourth to different people saying they couldn't access my account which was really odd. A week later i get a mail stating that both my accounts where closed. Its a business card there are going to be huge amount of purchase reason why i got a business card and not a personal card ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My ATM card was stolen. Between early XX/XX/2019 until XX/XX/2019 a total of {$62000.00} was withdrawn from my savings account at Chase bank. Usually in increments of {$3000.00}, some were taken on the same day from the same ATM. 

I have never taken any money from my savings account using an ATM. 

My complaint is that Chase Bank never flagged or notified me about this as unusual activity in my account. 

I have had a bank account with Chase Bank for over 20 years and am also Private Client with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 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: TX

Complaint narrative:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

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 2019-09-26 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: TX

Complaint narrative:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All of these accounts which I listed in Identity Theft nave never belong to me. Some of them paid good, but I never got these card and never used. Some one used my personal information like ssn and applied for these accounts. I don't want these card are being on my credit report. Please close these accounts and remove from credit report because this is fraud.

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 2019-09-26 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My mortgage has been sold three times over the past 3 years, and in each instance the mortgage holder refuses to report my monthly payments have been paid on time. As a result I have no FICO score which prevents me from securing home improvement, automobile or major appliance purchases. My current mortgage holder is Select Portfolio Services and all they do is give me a runaround regarding this issue. I feel that it is be done deliberately since the interest rate is at 6.25 % and not having a FICO score also prevents me from refinancing at a lower rate. It is my belief they are holding me hostage and preventing me from finding a better rate with a local bank. Finally, it must also be noted that I have no outstanding student loans, I possess no credit cards or credit card debt, no automobile loans or any other personal loans or financial obligations whatsoever!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CONVERGENT OUTSOURCING INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CONVERGENT OUTSOURCING INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CONVERGENT OUTSOURCING INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CONVERGENT OUTSOURCING INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CONVERGENT OUTSOURCING INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-09-26 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: CT

Complaint narrative:
I am a customer oof Bank of America for 34 years. They have a program re ATM Overdraft Services where you can sometimes take out more than is in your account at the ATM. They tell you before hand that there is a {$35.00} fee which you must agree to. A couple of years ago or so they would debit my account {$35.00} every 5 days, which amounted to a lot of money. I was not informed of that ahead of time. I did call customer service at one point and I was told that was the rule, but for some unknown reason, they now only charge the one fee that you are informed of. I'de like to know what happened to all those {$35.00} fees that were taken from my account. There were many. 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 2019-09-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello - I was solicited by american express multiple times over email and through " pop-up banners '' on my account to upgrade my account to a " Blue Cash Preferred '' from my " Blue Cash '' card. The Blue Cash Preferred has a {$95.00} annual fee, but my Blue Cash card had no annual fee. The offer I received said that if I spent {$2000.00} in three months, I would receive {$250.00}. This {$250.00} would allow me to offset the {$95.00} annual fee. I applied for the card on the website - this offer only appeared when I was logged in under my account. Furthermore, proof that this was an " upgrade offer '' and not a new account welcome bonus was that my account number stayed the same. At no time did I receive a new account. After I had spent the required {$2000.00} and after a month after my statement closed, I contacted American Express to find out why the offer was not fulfilled as I had held up my end of the bargain. They said that I did not have an offer on my account, they accused me of doing the offer wrong. But if I did the offer wrong, then why did they keep my account number the same? I followed all of the directions and met the spending requirements within the timeline. This is a clear bait and switch. They offered me an incentive to get a card with a high annual fee and then did not follow through and give me the reward as promised. Now I have a card with an annual fee and no rewards to show for this. It is extremely unprofessional and I hope others do not have the same trouble that I do as if I had known, I would not have accepted a fraudulent, bogus, fake, upgrade offer. Individuals use other cards and not allow American Express to profit off lies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 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: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
XX/XX/2019 - Was removed from electronic statement without any notification and charged {$3.00} for a paper statement. No notice was given. This must be some change due to the XXXX XXXX XXXX buying the bank, but customers are getting screwed by the bank. 

XX/XX/2019 Contacted company in writing to notify of unauthorized ( FRAUD ) charge on my business checking account. 

No one has responded and no credit was given within 10 days as required by law.

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was charged a late fee on my credit card for having been less than one day late. I paid my bill the morning following the midnight cut off period. Due to Bank of America 's computer system not working at the time, I was unable to make the payment on the Saturday XX/XX/XXXX deadline. Therefore, I had to make the payment the following day ( XX/XX/XXXX ) and thus I was charged a late fee of {$28.00}. I called the company ask that it be removed. They refused to do anything about the late fee. I spoke with XXXX XXXX in the XXXX call center on XX/XX/XXXX after I noticed there was a late charge. She refused to do anything about the fee and refused to waive it. I have been a loyal customer for Bank of American since XXXX. I am filing a complaint to have the {$28.00} late fee removed because there was an error in the online computer system of Bank of America that did not allow me to make the payment on the date/time that I attempted to. I would like the {$28.00} late fee waived or reversed.

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 2019-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I have done this before in regards to XXXX XXXX with a number of agencies. They continue to list it with agencies who call and report this to my credit. I will not continue to jump through hoops to prove dispute. This last agency Diversified Consultants continued to attempt to get payment out of me after telling them this was fraud/dispute, when i asked for a manager, he told me that it was essentially my fault that this is ongoing, after asking for compliance department was told basically not in their hands and would need to handle this with dish. This needs to stop.

Company response to consumer: Closed with explanation