vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX and XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NY

Complaint narrative:
I HAD A HARD INQUIRY UNAUTHORIZED ON XX/XX/2018 BY XXXX XXXX SPOKE WITH THE COMPANY AND TRANSUNION BUT STILL HAS NOT BEEN 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 non-monetary relief
Consumer complaint received 2019-02-08 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have been a member of Barclay 's XXXX credit card for at least ten or twelve years. I am fairly sure that some money was siphoned off about 10 years ago. Rather than fight with them over it, as I believe they went through an acquisition, I kept using the card to build up the 529 college savings  account. I wanted to at least give my granddaughter SOMETHING for books, at the very least! ( No thanks to this XXXX  scam of a credit card company ) I have gone online, called numerous times and done everything I can to get my XXXX   reward money earned put into my checking account, and get an email informing me of that transfer! Please look into this company. I think you will see that they are uncooperative at best and thieving reprobates, at worst.

Also, can you make them CALL ME, and get this straightened out? It seems they 'ca n't understand me ' when I call!

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 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Fifth Third mandates I pay an escrow even though Fifth Third does not pay for my homeowner 's annual insurance premium. Fifth Third has performed two new escrow analysis, first time issued a check for {$1500.00} and the second time issued a check for {$480.00}. I suggest Fifth Third use the XXXX computer program and using the XXXX program will insure correct addition, subtraction, and multiplication while performing a third new escrow analysis. See attachments, one, two, three, and four. Fifth Third states they collect a two month cushion ( {$75.00} X 2 or {$150.00} ) then add the {$900.00} annual premium, apply the past payment breakdown, and then divide by months remaining until XX/XX/2019. By using the XXXX program, and adding, subtracting, and multiplying, Fifth Third has a surplus of {$450.00} in my escrow account and needs to issue a third check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase XXXX XXXX card that I obtained for the travel benefits, which include redemption of points at XXXX % if redeemed using the Chase travel website. I have been attempting to book travel on the Chase travel site since at least XX/XX/2019 but am unable to redeem my points. 
After many calls to Chase over weeks, I learned that Chase has been aware, since at least early XX/XX/2019, of a technical problem that prevents at least some reserve card holders from redeeming points on the travel website. 
I have made many attempts to resolve this issue with Chase. I have been told that the only option available is to book travel elsewhere and request a statement credit ( essentially cash back ) from Chase which will be a dollar for dollar credit. Chase will not honor the XXXX % contractually offered redemption value for travel, though i have made this request on several occasions. 
Chase can not, or will not, provide an ETA as to when this matter will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX contacted my employer today. I called them to see who they were and why. I spoke to a girl named XXXX who then transferred my call over to a male named XXXX. XXXX proceeded to tell me how if I dont pay they are going to contact the attorney general in my area and take legal action. I tried to explain to him that the debt was not mine. The dentist wrongfully billed for work never done. He started to scream at me on thue phone stating regardless if the work was done or not I still owed the money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Visa with Capital One that had fraudulent charges on, which they took care of. They closed the account and issued a new card. When I received the new card, I put it in my safe and did not activate it. I started receiving phone calls from Capital One telling me that my account was delinquent on a card that I had not activated and had no previous balance. I looked online at the 'charges ' and the same fraudulent charges were being applied to my new, inactive card. Once again, Capital One reversed the charges, closed the account, and issued a new card. They also said that they would block any and all transactions from the companies that were charging my card with fraudulent charges. I received the new card and once again, it is being charged by those same companies for services I have never used nor authorized. Those companies are XXXX XXXX and XXXX. I want to know how an account that has never been activated can have charges on it and how is my account information being shared? I am the only person with access to that card and have not given it to anyone. The fraud has to be initiating inside Capital One. I want answers. There is no reason those charges, which amounted to THOUSANDS of dollars should have ever been allowed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: NC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
in XX/XX/2008 we decided to refinance our home so we chose XXXX well instead of a refinance we where pushed into a home equity loan little did we know the rest of our life would be turned upside down we ended up with a bad deed of trust a cloudy title and numerous other issues we have been fighting with the bank for almost 10 years with many attorneys with know out come they have stopped accepting payments and put us in foreclosure status the statue of limitations is up on the forclosure yet they keep on and even trying to sue us this has been an absolute nightmare fist XXXX   then XXXX XXXX XXXX And now XXXX  XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX

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 2019-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone had used my information and made an unauthorized hard inquiries 1.Chase XXXX and XX/XX/XXXX 2.XXXX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 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: GA

Complaint narrative:
A letter was sent to Equifax certified mail return receipt regarding incorrect information on my credit report regarding my name. There were several variations of my name listed on the credit report. I sent a letter to Equifax with a copy of my social security card, drivers license, and proof of residency. As a reply to my concern of incorrect reporting on the report confirmations XXXX ( XX/XX/XXXX through XX/XX/XXXX ) XXXX the incorrect names were removed. On my most recent report confirmation # XXXX dated for XX/XX/XXXX, Equifax has added the incorrect name on my credit report again which Equifax has listed as a formerly known as name. I have not been notified by Equifax about adding a name on my report, in addition, the name is not deliverable to me by the US Postal office nor is it reportable as per the FCRA since it is inaccurate. Equifax continues to record inaccurate information on my report as several attempts have been made to make corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Collection company is reporting that money is owed to XXXX. 
We do not owe money to XXXX, yet the collection company continues to report and pursue our family.

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 2019-02-08 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: First Data Corporation
State: CA

Complaint narrative:
Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services XX/XX/XXXX

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 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I opened a account XXXX XXXX at XXXXXXXX XXXX in XXXX of XXXX. I had several issues with them. I was told I was signed up for auto draft, they messed that up and caused me to have late payments. In XX/XX/XXXX they told me if I paid XXXX dollars my account would be closed. In XXXX of XXXX I was contacted saying I needed to pay another XXXX dollars. The district manager told me he would fix the late payments on my credit report and sent me the letter he sent to his home office to have corrected. They would not give me a reason but said they wouldnt correct it because I didnt get a letter of ownership that I asked for and still have yet to receive. I want my payments corrected or the trade line deleted from 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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I noticed a collection account on several of my credit reports from FAIR COLLECTIONS & XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I submitted a dispute for this company alleged debt against me, as I have no knowledge of this debt. I was notified by both XXXX and XXXX XXXX that the debt " meets FCRA requirements '' and would remain on my record. I wrote letters to both XXXX XXXX and XXXX  as well as '' FAIR COLLECTIONS '' for written verification of this debt which I am entitled to under the FCRA. I have not received any form of communication in writing in regards to this alleged debt from anyone to this point. 
Under Florida law, my state of residence, debt collectors must hold a licence under the Florida Department of Financial Regulations. For fear this company may be some sort of scam I checked the Florida Department of Financial Regulations to check to see if FAIR  COLLECTIONS & O XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX hold a valid licence in my state to act as debt collectors, The company does NOT. My research I preformed on the verify a licence portal of FDFR did not show as them to NOT even be a legitimate debt collector in the state of Florida. I would like this false debt deleted off of my record.

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: CA

Complaint narrative:
I have disputed this company due to identity theft. Sometime in 2012 some of my boxes went missing while moving in my place my check books were stolen. I have been disputing to all 3 credit bureaus XXXX XXXX and XXXX have removed but now XXXX. XXXX  told me to contact Recovery One LLC. I have and have gave them a copy of my police report. But is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I went to hospital on XX/XX/2017 and Never got treatment or advice and not even seen Doctor. I called Hospital and billing dept says we don't know about this bill for XXXX and told me I bill $ XXXX.I received letter from collection agency that I owed to hospital bill for doctor {$1000.00} I disputed to and spoke to XXXX and she did dispute as I told her. 

I called couple of months to collection agency the gentle men was very rude and he disrespect me. 
I dont know how the hospital or the collection agency charge me {$1000.00}. 

with out seeing doctor How they charge me doctor bill this looks fraud. 
No treatment not even any advice from hospital. 
Please solve my problem the collection agency reported to credit beauro and because of this fraud my credit score went down and showing negative on my credit report. 
Please solve my problem I will be appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use a Chase ATM card to withdraw cash from ATM machines at XXXX in XXXX. The machine charges a transaction fee which is disclosed prior to the transaction being completed. Later, the transaction is posted on my Chase statement along with a second transaction for a 3 % currency exchange rate fee.

First, I feel that this fee is extraordinarily excessive based on Chase 's actual costs for the exchange. The banks actual exchange rate costs are probably less than 1/100th of the 3 % fee. A call center representative actually referred to it as an advance fee. My understanding is it is a real-time withdraw backed by actual funds. The transaction is not a cash advance or related to any credit but again a direct withdrawal.

Second, the 3 % fee is not disclosed during the transaction and only shows up later on the statement. My opinion is that a publicly regulated bank as large and sophisticated as Chase, with all the responsibilities and privileges that entails, could easily be transparent at the time of the transaction about what the full costs of the funds will be. Why is it not calculated at the time of the withdrawal to show there is a 3 % cost to receiving funds from a Chase account in a foreign country.

I am concerned that Chase is charging what seems to be an extraordinarily excessive and even abusive fee because consumers are not aware of how little the actual exchange costs are to Chase. Please ask this enormous, systemically important, taxpayer insured, financial institution to justify this less than transparent excessively costly exchange rate fee.

Also ask Chase to make the exchange fee transparent at the time of the transaction. They should be required or at least encouraged to price it aligned more closely with their actual cost. To me this high rate suggests almost discrete usury. Usury and less than transparent costs discourage activity important to our country 's economic growth and inhibits participation in global financial transactions.

A clear direct response is eagerly awaited.

Company response to consumer: Closed with explanation