vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
On Thursday, XXXX XXXX at approximately XXXX a XXXX XXXX XXXX received a second phone call from Navient XXXX XXXX. The first inquiry the person asked was if he knew a XXXX XXXX but did not identify themselves. After XXXX XXXX requested who it was the identified themselves as Navient. At this time, XXXX XXXX asked how they found his number and they eluded they used a software to find his number and noticed they may be related to XXXX XXXX. 

This is the second time they have contacted ( third party ) XXXX XXXX XXXX for a debt in regards to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!

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 2017-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery attempts to collect a debt that I have no knowledge of. From previous contact with the collector, the address provided on a letter that was supposedly sent to me has never been a resident of mine. Case File XXXX In The Matter of Portfolio Recovery vs CFPB there is lack of documentation and no Lawful verification was done. Therefore, the information is not sufficient to form an opinion as to the truth or accuracy of Portfolio Recovery ' s claim. I request Portfolio Recovery to produce the original signed contract between the original company and I. Also produce a copy of any modifications to those terms agreed to SPECIFICALLY by myself. Please provide proof that Portfolio Recovery owns this debt and a contract showing an agreement between myself and the collecting company. Whereas no relationship exists between Portfolio Recovery and I and whereas I never signed a contract or agreement with Portfolio Recovery, I cite Lack of Privity. The referenced account should be removed from my credit report immediately. The collecting company continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
My identity was stolen in 2014 my purse ( which included my license, social security card, pictures etc. ) I had to shut down all bank accounts so I would n't have told you that something cleared my bank. Also my personal information was leaked online to public information sites ( see attachment ) anyone can google my name and obtain detailed information about me which I 'm trying to get removed off line. I do n't even live in New Jersey. Nothing has been presented to me as verification of debt either by Trident or XXXX online. 

Disclaimer advise by lawyer to note : I did not authorize any debts to be brought by a third party company. I did not authorize my personal information such as name, address, social security number, Date of Birth to be given or brought by a third party company, if you are not the company at which I acquired a debt you are a third party company. I have the legal right to protect my identity, if any debts are owed the originally company can send proper verification i.e. a signed legal document explaining my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 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: GA

Complaint narrative:
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi. You closed out complaint # XXXX because the company said they resolved it with me. 
That is a lie. And your procedure apparently did n't give me a chance to respond. 
Here 's the story- they overcharged me on a safe deposit box. You forwarded my complaint to them. They claim they issued a credit. 
No. They Did Not. 

When the box was up for renewal I opted to not renew because of the overcharge ( they overcharged last year too and it took months of fighting with them to get a refund ). 

I closed the box and filed my complaint. 

Their response was that they waived the fee for the next year. There was no fee for the next year because I closed the box. 

I have contacted them by phone and they said they 'd look into it and get back to me. 
They have not gotten back to me despite my leaving numerous messages. 

They said they gave me over {$200.00} and that is simply not at all true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Home Depot Consumer Credit Card from Citi Cards / Citi Group Inc. Has been horribly misleading. Customer service has hung up on me several times. 

This company put a balance of {$130.00} on my card without approval or my consent. I bought nothing in this amount. I did not authorize the charge. I agreed to nothing that would allow for this type of unfounded charge to my account. 

It all started when I went to pay off my balance in full at the store. The in-store employee told me the amount and I paid it. A week later, I realized the employee had given me an amount that was {$130.00} more than my actual balance. 

I had to learn this on my own and pursue the company. They agreed to pay me back. Then these idiots paid me back twice. When they finally realized what they had done, they decided to just put this balance back onto my card with a high interest rate without notifying me. 

Is this even legal? They should have to make a request, or notify me that they made a mistake. Instead they just attached it to my account. I keep a XXXX  balance, I have no reason to look at the monthly statements. And so for months I had no idea what they had done. I thought I had a XXXX balance! Now I 'm paying interest!?! 

This should be criminal. If anyone else has had this problem, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'd like to pursue a class action lawsuit.

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 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: MI

Complaint narrative:
Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. 

License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: GA

Complaint narrative:
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my XXXX and Experian credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

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 2017-08-25 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: PR

Complaint narrative:
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against Chase Bank for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized Chase Bank 's hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XX/XX/XXXX XXXX reported AGAIN a Chase Bank hard inquiry. I am really tired of doing this every time in fact is my intention to sue Chase Bank if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. 
One month later, DC reapplied this account to my credit report, still without the required documents. 
The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.

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 2017-08-25 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: NC

Complaint narrative:
Contacted XXXX Fraud Management to dispute cell phone account # for amount of XXXX XX/XX/XXXX. Company took my info and said it would be marked as fraudulent. checking credit report today  XX/XX/XXXX and there is a collection opened XX/XX/XXXX ( 4 months ) showing this XXXX account in collection by a collections company XXXX XXXX XXXX. There is no coverage in my area for XXXX cell service. I have been in my home since XX/XX/XXXX and I use XXXX and XXXX service for the last 20years. Seems as if the Credit company and the collections company should do a better job at verifying info before posting it to your credit file.

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 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonded Business Services, Ltd.
State: TX

Complaint narrative:
The Original creditor was an apartment complex named the XXXX XXXX XXXX XXXX, located in XXXX XXXX. The debt was then passed along to Bonded Services without any written notification that I owed them. The debt was then placed on my credit report stating that I owed over {$1900.00}. During the 30 day waiting period to receive my deposit back, I called XXXX XXXX ( manager ) and the receptionist with an updated address and phone number to forward the check. 45 days later, the check nor any type of letter or phone call was sent to the address. After disputing with the new creditor about these questionable practices, they only sent me a copy of the lease contract that I signed upon moving in. There was no letter stating that they had mailed a debt collection letter, attempted a phone call or email of any sort. I am attaching the letter that I sent them on XX/XX/2017 along with additional proof asking them to remove this debt from my credit reports. To date, its still on my credit report. I 'm not looking for sympathy, but I 'm a XXXX veteran who ca n't work, with XXXX defendants and they are preventing me from purchasing a home here in XXXX, TX. While browsing the internet for apt reviews, I noticed a trend with this place. Soldiers who reside at this apartment complex are most commonly denied their money back and charged excessively for notional damages. I lived in this apartment alone for 12 months with no kids and no pets. How does one accumulate {$1900.00} in damages in 12 months? Maybe the Quality of carpet needs to change or someone needs to conduct some sort of property inspection. I 've seen the maintenance guys load a garage with old carpet on numerous occasions. I was even told that they are known to replace a tenants carpet with older carpet to justify the charges. Soldiers are an easy target because once we leave, most likely we will never come back ( military orders ) and could possibly end up overseas or combat. Not only would I like assistance on this matter, but I would like to see this business ' procedure for placing debt on credit reports. Im XXXX  and have all day to write dispute letters. What about the guys who cant or do n't have access to the internet? Thank you for your time

Company response to consumer: Closed with explanation