vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I request your help in enforcing your action against XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX, Case File No. XXXX. 

I recently began the process of buying a home, as part of a background check it was discovered that there is a judgement against me by Chase Bank through XXXX County Superior Court Case No. XXXX dated XXXX/XXXX/XXXX in the amount of {$3600.00} I was shocked to find this judgement because I was never served a Summons and was totally unaware of any legal action against me. 
XXXX Court records show that Chase Bank submitted a Proof of Service Summons and  Complaint saying that on XX/XX/XXXX they served me at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, this is not possible because I moved from this residence in XX/XX/XXXX 

So, I began looking into this and found your action against Chase Bank. 

The action ( Case File No. XXXX ) which addresses all Chase Bank credit accounts in Collections litigation, etc. that were pending anytime between XXXX XXXX XXXX and XXXX XXXX XXXX, clearly states that Chase Bank was involved in exactly the type of activity I have found myself a victim of. 

Please see paragraph 76 c. of your order of XXXX/XXXX/XXXX. 

I request your help in demanding that Chase Bank immediately take any and all necessary steps to remove this judgement from the court records. 

I have attached all XXXX County Superior Court records I could find. and ask you to also refer to your action against Chase Bank as listed above. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied and was approved for the American Express Business Gold Rewards Card on XXXX/XXXX/XXXX. The offer at the time of application was XXXX American Express Membership rewards if I spent {$5000.00} within the first 3 months. I used the card to make purchases that met the threshold and was awarded the points on XXXX/XXXX/XXXX. After the points were awarded, I need to make a return of a purchase. American Express then removed the XXXX points from my account on XXXX/XXXX/XXXX. Per the original agreement I still had until XXXX/XXXX/XXXX to meet the minimum spend of {$5000.00} which I did on XXXX/XXXX/XXXX and posted to account prior to XXXX/XXXX/XXXX. I have spoken to customer service several times since meeting the minimum spend, each time with no resolution and only told to wait. I have now waited 2 months without resolution. I have met the terms of the agreement and should be given the XXXX points I earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Credit card payment want let settle do I can remove it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

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 2018-01-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX XXXX and Experian a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

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 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: GA

Complaint narrative:
BB & T does not accurately post/report my payments. My mother in law makes a payment at the beginning of the month, I make a second payment to cover the mortgage by the XXXX of the month. BB & T has reported to the credit bureaus that i have been late forXX/XX/XXXXand XX/XX/XXXX -- that is incorrect and has impacted my credit score by a 100 points.

I spoke to a representative and was told that because I make 2 payments BBT, BBT software does not record the second payment and my account is put into a late status. I find this disturbing, as I make my payments with in the 30 days, yet, I am being reported as being late. I should not be penalized, because BB & T software does not accurately reflect my second payment. I am meeting my commitment of paying within the 30 days.

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 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
UNFURTUNALLY ON XXXX/XXXX/2018 COLLECTION AGENCY GOLD KEY WANTS TO COLLECT AMOUNT THAT I DONT OWN AND THEY DONT WANT, TOTALLY REFUSED AND OMITING TO PROVIDE PROOF OF THAT DEBT ALL WAHT THEY SEND IS A BILL FROM THE XXXX AND A BILL FROM THEM. 
IS INCREDIBLE THAT THEY DONT PROVIDED PROOF OF ANYTHING AND THEY TRYING TO COLLECT MONEY FROM NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and 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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
The original debtor is listed as XXXX. Through previous communications, I understand this is from an account out of Michigan. I have never had a XXXX account and do not live in Michigan. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX 2016, I noticed a derogatory tradeline on my credit report from Wells Fargo in excess of {$4900.00}. I was not familiar with this account and given recent revelations about Wells Fargo 's unethical and illegal practices regarding millions of fraudulent accounts, I requested, in writing, that they provide me with specific details associated with this account ( # 1 in attached ). 

Not only did Wells Fargo ignore my lawful request for information regarding a tradeline that they were reporting, they subsequently verified same with each of the 3 main bureaus - each instance a clear violation of Federal and State ( TX ) law. Wells Fargo continued this behavior on multiple occasions, despite my repeated requests for information. 

After months of my requests being ignored and the tradeline repeatedly being updated, I notified WF of their illegal activity ( # 2 in attached ) and demanded that they immediately cease reporting this account which they refused to apprise me of. This request was also ignored and the reporting continued. 

I ultimately reached out to XXXX XXXX, CEO of WF, directly ( # 3 in attached ), advising him of my experience with his company and asking for assistance. He, also, could not be bothered to reply to me or have anyone follow up. Their illegal reporting of this tradeline, that I have NEVER been provided with details of, continues to this day.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX gift card online in the amount of {$500.00}. 
I received the gift card on XX/XX/XXXX and it was n't active. I also received an email from XXXX XXXX XXXX stating once I receive my order, activate my card by clicking on the link provided in this email. I clicked on the link provided and it said : " Gift card has already been sent for activation ''. Despite numerous attempts in receiving assistance regarding this matter, my gift card still does not have the funds loaded onto it and {$500.00} has already been deducted from my credit card. As of XX/XX/XXXX, my card is still not active. Please help.

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 2018-01-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I disputed with XXXX XXXX XXXX XXXX. on the validity of debt. It was completed on XX/XX/XXXX and thus deleted. I advised Experian and XXXX that item was deleted but they havn't deleted it off their reports yet to date. Please help

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 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have recently been informed by BB & T that my XXXX  credit card is delinquent a balance of {$160.00} and {$50.00} of which has been reported to credit agencies for non-payment. 

I have not used the card recently and last paid my full balance off in XXXX XXXX. I have contacted BB & T collections and they are unable to explain the series of charges. 

The identified a " RAP Fee '' charged in the fall and then subsequently accrued late fees and subsequent RAP fees. In speaking to a dispute agent they said they did n't know what this fee was but indicated that it was not a merchant fee or charge but a BB & T internal fee. 

I have been attempting to contact BB & T via online portal but my account is locked as well as by phone and have been unsuccessful because of excessive wait times ( i.e., > 45 minutes ) I am concerned because this beginning to damage my credit and I do n't understand charges and am having systemic problems in contacting BB & T. 

Thank you, 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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX of 2017 after pulling my credit reports I saw 3 accounts listed with XXXX XXXX XXXX. I immediately sent 3 debt validation letters ( one for each account ) to XXXX. For one of the accounts they already started the court process to sue me and in attempt to save myself and the company further time in court I settled with a consent judgement. The other 2 accounts they sent letters ( 2 times for each account now ) in response to my debt validation that did not validate my debt and in fact asked me for further documentation about the accounts. I do not feel as those accounts should be on my credit report or I should be contacted to pay debts since they failed to send me verification of these debts. I would request the debt collection process to be ceased on these accounts and these accounts deleted from my credit reports.

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