vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: MRS BPO, LLC
State: MA

Complaint narrative:
To Whom I t May C oncern : MRS BPO , LLC of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of MRS BPO , LLC called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my father  XXXX   XXXX   XXXX   XXXX   XXXX , an   XXXX   in  XXXX   XXXX , Florida who is more th an thirty yea rs older than I am received a call from MRS BPO , LLC, but before they could reach him ( he was seeing a patient ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was MRS BPO , LLC.     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that brok e the camel 's  back : I examine my credit card statement, and without my knowledge or consent, MRS BPO , LLC has begun charging my new   XXXX   XXXX    credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertio n in various venues for years. ( see attached screenshots  ).   These disputes have not led to any determination of responsibility. In short, MRS BPO , LLC violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield has place collection on me that are not mine.   XXXX   XXXX   XXXX    offered financial counseling and provided 100 % discount under a program that was signed off to allow student to get their training. I have no knowledge of responsibilities other than that.

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 2017-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern :  XXXX   XXXX  ,  XXXX  of  XXXX   XXXX , NJ has been harassing me over unpaid credit card debt for years. Initially, I began to receive a collection letter or phone call once every few weeks ( the calls were always received on my mobile phone, which was and remains on the do not call list ). I notified them with the use of form language found through the CFPB that they were not to contact me going forward. However, the calls started arriving half a dozen times a day from different numbers and area codes. A representative of  XXXX   XXXX   ,   XXXX  called my workplace and repetitively asserted to the receptionist that he had to speak to me because of outstanding debt and legal problems. He told her that if I was not pulled out of the meeting to answer his questions, the police would arrive to arrest me. This was, needless, to say, humiliating.     Then my f ather (   XXXX   XXXX   XXXX   ), an   XXXX  in  XXXX   XXXX , Florida who is more than   XXXX   XXXX   older than I am received a call from  XXXX   XXXX   ,   XXXX , but before they could reach him ( he was  XX/XX/XXXX  ), the representative made a point of characterizing my father ( who I 'm assuming he thought was me ) as a criminal, etc. to his office staff. My father had no idea what any of this was all about, and after panicking, he assumed it was some sort of strange extortion attempt. He told me about it later that day, and I asked him for the incoming number. Sure enough it was  XXXX   XXXX   ,   XXXX .     Several weeks later, my mother receives a call on her cell phone alerting her that her son had done something very, very bad, but that they were not at liberty to discuss it or identify themselves. I 've never seen her so rattled in my entire life. She thought I had committed a heinous crime or was involved with organized crime or something of the like.     Now for the straw that broke the camel 's back : I examine my credit card statement, and without my knowledge or consent,  XXXX   XXXX   ,   XXXX  has begun charging my new   XXXX   XXXX   credit card, for what I can only assume is money they assume to be theirs, though I have disputed that assertion in various venues for years. ( see attached screensho ts ). These  disputes have not led to any determination of responsibility. In short,  XXXX   XXXX   ,   XXXX  violated basic debt collection regulations, humiliated me at work and with my family, and then stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On   XXXX   XXXX   XXXX  , I 've received a letter from  Social Security Administration  that I was not eligible for my  SSI  monthly check, because between    XXXX   XXXX    to    XXXX   XXXX    I have had more than {$2000.00} in my  JPMorgan Chase Ba nk account, allegedly.  ( Docs attached ).      Turns out, that only on    XXXX   XXXX   XXXX    I became a co-owner of my husband  XXXX  's account, number  XXXX . Then on    XXXX   XXXX   XXXX   , I signed my name out and  XXXX  returned to be the sole owner on that account.     I called Chase Bank a few days ago, twice, an d two differe nt customer service reps have run my SSN through the system and found out that I have had no history whatsoever with Chase Bank! Which is strange because I did have a joint bank account with  XXXX  between  XX/XX/XXXX  and  XX/XX/XXXX ! Nonetheless, it makes the case even stranger based on  Social Security Administration  claiming that I used to have thousands of dollars in my so-called Chase Bank account. If so, what happened to all my money??     M y SSN  is  XXXX   XXXX   XXXX  by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Lending Club Corp
State: TN

Complaint narrative:
On  XXXX   XXXX ,  2017  the company received a certified check that paid off the balance in full. The same day the company still proceeded to debit my checking account for an additional payment. So now they have received the payoff of {$18000.00} and an additional payment of {$780.00}. The account does not reflect a credit balance or show a refund due and they are holding my money. The account number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Called multiple times since my loans became due-more th an 20 times to get forms to have my loans discharged beca use I am  XXXX  and have been for a long time. Nobody sent me paperwork via email or through  US Mail  and my loans are still showing due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On  XXXX   XXXX  I purchased airline tickets on the  AMEX Travel we bsite for tickets to  XXXX  for myself and  XXXX   year old g randdaughter. The fare for my granddaughter 's ticket was {$1300.00} The date of travel was  XXXX   XXXX ,  XXXX . When checking for departure at  XXXX  on  XXXX   XXXX , I was told that my grandaughters ticket was not valid and the fare was returned to AMEX. I was told that in order to take my granddaughter with me to  XXXX  that I had to buy a replacement ticket on the spot for {$2300.00} for same day travel. I had no choice and purchased the replacement ticket. I have been claiming a refund f rom AMEX for the difference between the ticket fare AMEX sold   me and the fare I had to pay {$990.00} since  XXXX   XXXX  and without resolution.     My position is that the  Amex trave l website states they are a travel service so my expectation was that if there was a problem with the services sold to me that I would have been alerted in advance instead of blind sided at the ticket counter. I have been a n AMEX cardmember sin ce  XXXX  and expected tha t AMEX w ould take responsibility for the processing error but this has not been the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-14 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am unable to get my free annual credit report or dispute my credit report online.

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 2017-05-14 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: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
XXXX   XXXX  I filed an complaint about ad astra about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sen t out 11 lett ers attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the trackin g on 5-12 thinking I should have received some type of information in the mail after 10 days. Turns o ut the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number ad astra has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX   XXXX , I requested verification of debt and two late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCP A 807 [ 15 USC 1962e ] this i s a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX  , I requested verification of debt a nd two late p ayments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FD CPA 807 [ 15 USC 1962e ] this is a  violation

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 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: AL

Complaint narrative:
XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

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 2017-05-14 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: AL

Complaint narrative:
XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

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 2017-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see CFPB Case #  XXXX ,  XXXX  and  OCC Case  #  XXXX .   In  XXXX ,  Wells Fargo Bank ( WFB )  provides a refund on monies they stole under a previous case.  WFB fail s to provide an answer to my complaint in  XXXX . This is another example of the arrogance of WFB. Heres a summary of my original complaint th at WFB  arrogantly has failed to answer : Please see case number  XXXX  as it relates to this new complaint. I received telephone calls from  Wells Fargo  Bank on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and  XXXX   XXXX . I was able to answer the call on  XXXX / XXXX /  XXXX  . When I answered the call the caller advised that he was calling from a " recorded line. '' The caller 's name is  XXXX   XXXX ,  Executive Resolution Specialist with Wells Fargo  Bank. I advised  XXXX   XXXX  that I did not want to be recorded. He responded that he could not stop recording my call. I advised that the statute  ( Cal. Penal Code 632 )  in California regarding confidential communications was clear and that both parties had to consent to the communication being recorded. He again advised he could not stop recording. I told him that I specifically was NOT consenting to the call being recorded. It appears I can not speak with someone at  Wells Fargo on the telephone regarding confidential matters without being recorded. I believe Wells Fargo is v iolating the California statute regarding confidential communication recording. I specifically declined to the recording while on the call with  XXXX   XXXX . I did continue the call as there was no other option to resolve the matter in the above referenced complaint via telephone without being recorded. It appears I can not seek remedy under the previous CFPB complaint without consenting to being recorded. I am asking that the CFPB compel and orde r Wells Fargo  Bank to comply with the confidential communication recording statute in California. In  XXXX  #  XXXX ,  WFB ad mits they violated the law by recording my telephone conversation ( see attachment to Case #  XXXX . ) I would like  WFB to  address the complaint in Case #  XXXX  and provide a response.

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