vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt is not mine. I have never used this company or its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking account with Chase Bank. I checked my balance and found out my account balance of {$890.00} was showing {$0.00}. I called Chase bank and they referred me to their fraud department. I called the fraud department to report stolen money from my account. After many long phone calls, it was discovered that a ( false ) levy was issued against my checking account. I searched the court and found a ( false default judgment ) against me. I went to a Dispute of levy hearing and received 2/3 of my money back. Later, the case against me was dismissed ( false default judgment ) because I never had a WAMU credit card.

I advised Chase bank, and they never re-opened my account, nor did they refund me the {$95.00} legal processing fee they withdrew from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 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: SC

Complaint narrative:
I filed a dispute with XXXX, XXXX, and Equifax credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: SC

Complaint narrative:
I filed a dispute with XXXX, Experian, and XXXX credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

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 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Bank is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?

* Did they even fund the account or did you?

* Did you take tax credits?

* Are you the creditor or really just the servicer?

* Did you disclose that you were charging me for the insurance premium to protect against asset loss?

* Did you get your approval in writing agreeing to the amount of the premium as require by law?

* Did you get the insurance payoff prior to charging off the account?

* Is the contract creating the account even valid since they lacked full disclosure and equal risk?

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?

* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error. it was responded that the company verified the info with a third party system. the third party system is incomplete and inaccurate since they don't provide complete social security numbers as they would against the fair credit reporting act and privacy laws. also i wrote the third party system and they don't have a record of the account. I am also attaching documentation of the letter sent to them for a second time and their 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 non-monetary relief
Consumer complaint received 2018-11-02 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:
I had a credit card with Chase Bank for 1.5 years. I made a payment with the Chase App and missed 1 digit of checking account and within 30 days, without notice they cancelled my Chase charge card.

I later find out the error, and called Chase bank. The customer service representative checked my account status and payment history and were surprised that they cancelled my card without notice, or even at all. I usually made {$750.00} to {$1500.00} payments each month!

I needed this card for my employment which required me to make purchases for which I was later reimbursed.

The Chase customer service representative promised me on the phone that if I would make {$270.00} payments for 2 months, she would issue me a new card and not report the card to the Credit Bureaus.

I paid as promised keeping my part of our agreement, but did not receive a new card.

Chase also has sent this balance out for collections and??? charged off the account???

I have made numerous calls and visits in person to Chase Bank to clear this up, to no avail.

Chase did not keep their verbal agreement with me on any points : 1. Did not send me a new card, as agreed, ( the phone conversation was recorded by Chase ), 2. Chase charged off the account, 3. Chase also sent the balance out to collections, 4. Also, Chase reported the card to all 3 Credit Bureaus, 5. And greatly damaged my Credit Score, from XXXX  down to XXXX!!!

6. Since 2008 I have worked diligently to improve my credit score, and then this happens.

Solution : I want my card re-activated, so I can pay my balance directly to Chase, have a new card issued, and have Chase remove the negative reports to the 3 Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

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 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX is fraudulently reporting on my credit report for the amount of {$0.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: IL

Complaint narrative:
On XX/XX/2018 I made a purchase of {$360.00} for some home flooring. The product was purchased from XXXX XXXX XXXX XXXX  ( on the credit card bill the charge appears under the name XXXX XXXX XXXX ) and I used my Bank of America credit card to make the transaction. The company ended up not having the product that I initially purchased so nothing was shipped to my home, therefore I cancelled the transaction/order with the company. The company would not reimburse me my funds and they advised me to call my credit card company to seek a reimbursement of the transaction. I called Bank of America credit card on XX/XX/18 to dispute the transaction. Bank of America informed me that they were going to investigate the situation and that I did not need to submit any documentation unless requested. They said that based on what occurred that they did not expect their to be problems with getting the transaction reimbursed. On XX/XX/18 I received a letter from Bank of America stating that I needed to submit supporting documentation for my claim by XX/XX/18 otherwise my dispute would be closed against me. Bank of Americas letter is datedXX/XX/18 and the post mark on the envelope for the letter is XX/XX/18. I did not receive the letter at my home until XX/XX/18 ( there was a long XXXX XXXX   weekend where the US mail did not operate ). It was impossible for me to respond to Bank of America because their request arrived at my home after their deadline. Immediately I spoke to Bank of America and informed them that their letter arrived late and I faxed them all of their requested documents and a copy of their envelope with the postmark of XX/XX/18. Bank of America sent me a letter stating that my dispute is closed because they did not receive the documentation on time. I called Bank of America again and they said they were not reopening the case because the documents did not arrive on time. I told them it was impossible for me to respond on time because their letter request arrived after their deadline. At this point Bank of America has refused to provide with further assistance and what they did in not providing me with sufficient time to respond to their request is truly and injustice and an abusive practice. I am attaching a copy of Bank of Americas letter, their post marked envelope, Bank of Americas billing statement, and a copy of the receipt from XXXX XXXX XXXX XXXX showing that they acknowledged that the transaction was cancelled and the product was never received by me. Thank you for your assistance.

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 2018-11-02 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: IL

Complaint narrative:
I have a Barclays XXXX XXXX card and have three unresolved issues.

1. My purchases at XXXX should be generating 4x points for restaurants however some transactions are only generating 2x rewards for online purchases whereas some are posting 4x points correctly. Customer service claims this is a merchant problem however it does not explain how the same exact merchant and transaction type is posting two different tiers of rewards.

2. I qualify for the $ XXXX/year streaming service reward for meeting a spending threshold. This reward is not being given to me - even though I charge several streaming services to this account, none of them are being credited back and the {$50.00} credit remains unused.

3. The transaction for sling should post 2x rewards for being an online streaming service. In fact, the marketing material for this card specifically lists sling as one of the qualifying streaming services. However, customer service is incorrectly claiming that XXXX is a cable tv service and doesn't qualify for 2x rewards.

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 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
In XX/XX/XXXX I received an offer from Union Bank to open a priority bank acct ( checking ) and receive {$300.00} if I complied with the specifications. They were use the debit card a number of times within 60 days I think & link to mortgage which is with Union Bank. I get these offers from banks I don't know why but it is easy enough to do it & get free . The deposit requirements were nothing much & no direct deposit requirement. I went to the bank several times to try to open the acct. When they realized I was not depositing a substantial sum they were telling me no I could not do it. Each time I went home & read the requirements and I matched so returned. On maybe 3rd try I got a nice young banker who it turns out did not know what he was doing but he opened the acct. Well I was happy! But time passed & no debit card arrived. I really forgot about it until maybe XXXX or XX/XX/XXXX I became concerned maybe the card was lost in the mail so I think I called- also because no {$300.00}! They sent the card but by this time the 60 day requirement was nowhere on my mind and I went into the bank time after time to try to get it all set. In XXXX I went in for the I do not know how many time and one of  the bankers who had told me in XXXX that it was approved & the $ would be there. Their employee had fouled up & his boss " XXXX '' had approved it. So XXXX I'm back & he calls " XXXX '' and he actually initials the offer paper-OK it is done. No. I mean ridiculous. I go back in because I tried to go on online banking but their employee who opened the acct orig. never put me on online banking so they demanded I go in to the branch to get on. I got a nice banker ( different one ) & he says he will bring it up because now the initial guy is on several weeks training not available till after XXXX XXXX. OK after XXXX XXXX I'm baaaack. He says it's out of his hands it's up to " XXXX '' who is in a different office. Just by chance " XXXX '' is there! He says oh his boss said you never did anything with the acct so they are not going to give the XXXX I sent a letter to " XXXX '' s boss- nothing. I have to point out they had sent me a similar offer some years ago & I changed my mortgage to them & later did another refi. I have done my best to resolve this with them that is why I am here.

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 2018-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Today,XX/XX/XXXX at XXXX Utah time, I recieved a summons from Express Recovery Services of XXXX XXXX, UT. At some point unknown to me, XXXX XXXX XXXX XXXX XXXX UT, hired Express Recovery Services to collect a medical bill debt from my wife that happened on either XX/XX/XXXXor XX/XX/XXXX. The problem is that we did not know Express Recovery Services or XXXX XXXX XXXX  were trying to collect for a bill due to my wife and I never recieved any kind of notice about the bill. Also, after some research of my own, I discovered that Express Recovery Services violated the " Notifying the Debtor '' clause of the FDCPA ( Fair Debt Collection Policies Act ) by not giving us a 30-day notice that there was a debt to be paid, the amount of debt, and ways to resolve it. Express Recovery Services, is suing my wife for {$520.00} plus fees and myself for {$220.00} plus fees. I believe that they are asking for more than the original amount and why I am included is wrong because I did not receive any medical services from XXXX XXXX XXXX. My wife was fully covered by medical insurance at the time of the service and the bill was most likely paid, but XXXX XXXX XXXX  sent us to collections anyway. We believe they are wrong for taking us to court because we had no knowledge of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation