vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
I have this phone company XXXX they are giving me a collection that I owe them money and which I dont I paid off it was like seven years ago and I am dispute like two times but it didnt work so Im  complaining about that I dont owe any money for thatAnd before that they called me a couple times I was trying to explain to them and approve them that I paid off it didnt work also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Recovery Group, Inc.
State: WA

Complaint narrative:
I do not owe debt that is trying to be collected. I have already paid my medical provider, the payment has cleared, and I have received confirmation from them and my insurance provider that the debt is paid. I was sent to collections by error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
XXXX XXXX at ECMC repeatedly asserts that ECMC is not the " correct company '', yet via email she does have documentation related to my loan. So, obviously ECMC IS the CORRECT COMPANY. 

In addition, I previously attached a copy of one of the threatening letters I have received from ECMC. 

She also claims that I have not made payments on this loan in over a year. That is absolutely false. For years, I have been and continue to make monthly payments to XXXX. 

Once again, I am requesting copies of any and all documentation pertaining to my student loan.

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 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am in receipt of harassment calls all day, XXXX days a week. The calls all come from " 800 SRVCS ''. The calls begin at XXXX am and continue to XXXX pm. The calls are constant and they are the same company I complained about in my prior complaint to you : Complaint ID : XXXX from XX/XX/XXXX. They stopped calling for a few months and then they start up again XXXX months later. The calls began in XX/XX/XXXX ; then stopped in XX/XX/XXXX after your intervention. Once again the same tactics have began. These were some of the same numbers used by Comenity Bank. The caller asks for XXXX XXXX and XXXX XXXX XXXX. They know that these people do not live at this address neither have they ever lived at this address. I don't know these people and have only heard of them from the callers. I believe these callers are trying to get my personal information. I am on the " Do Not Call List ''. They could also be evading the rules of the " List ''. I am absolutely tired of these calls, constant calls. They have promised to stop their harassment ; yet they continue. I don't believe any of this is a coincident. They call from the following numbers : ( XXXX ) ; ( XXXX ) ; ( XXXX ). 

I deserve peace without harassment. Please stop them! I constantly block their phone numbers and then they call from new numbers, listed above. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I called experienced because Im paying off debt and fixing credit. someone opened an account on my name and now experience wants me to send them personal identifying information to a P.o. Box!!!! No proof of delivery etc. they want me to send a copy of my drivers license, social security card, bank statement and a letter stating it wasnt me who opened the account to an unsecured p.o. box!!! Until they fix this I cant repair my credit!!!

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 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX. On XX/XX/2019, I applied for and was subsequently approved for XXXX Premier Checking account ending in XXXX in response to a mail promotional offer of {$300.00} ( there was link on the letter as well as instructions how to get the bonus. Here is the link https : //www.td.com/us/en/personal-banking/checking-accounts/ ). The terms and conditions state that Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 90 days of opening your account. 

2. By the end of XXXX, I met all requirements of the Offer ( I had direct deposits of more than {$4000.00} coming into my checking account ). 

3. By XX/XX/2019 when it has been more than 90 days since opening the account, the bonus did not post. I contacted customer service for assistance and was advised by the a male specialist that an internal message had been forward to the marketing team to investigate my case. After verifying my successful direct deposit, the male specialist asked me to call again in the next few days to follow up. 

4. On XX/XX/2019, no bonus posted, no reply yet. I contacted the customer service again and spoke to a female specialist, she first verified my eligibility to get the bonus, and suggested me to wait for some additional time. After hearing that I called the other day on XX/XX/XXXX, she looked up my account and found a response from the marketing team. The marketing team says that I used a wrong link to apply and therefore I am not eligible to receive the bonus. Unhappy with the reply, I asked to be transfer to a supervisor, the supervisor didn't do much investigations and just made up some policy saying I am not eligible. ( These policies were targeted at my special case, not mentioned in the terms and conditions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Even after knowing all of the information of how institutions function in the United States to disempower certain communities and people of XXXX. It is still necessary to challenge the institutions to attain equitable treatment. The credit bureaus has an interconnection between financial institution, insurances companies, and credit unions, etc, who uses them for housing, redlining, and for devaluing an entire community by labeling all of its resident as " high risks ''. 

Equifax has attempted to devalue my credit health as the United States Government devalued XXXX Americans for homeownership in the XXXX. The Ponzi Schemes was used by the United States government to build projects for white privileged soldiers. Then the United States Government emerged with the G.I. Bill to allow white privileged soldiers to escape from the projects but kept XXXX Americans trapped in the inner-city by alleging the government did not have money to lend to XXXX Americans soldiers for the 235 homeownership program. 

The existence of economic and XXXX inequity continues to prevail with Equifax against my credit health. Equifax has developed a sense of superiority over my credit health on or about XX/XX/2019. Equifax distorted conditioning process was used to report to XXXX XXXX XXXX XXXX and other creditors that there are derogatory on my credit health. Such as a derogatory public record, or collection, and proportion of loan amount is too high on my credit health that all are unfounded in fact. 

Equifax knows that access to excellent credit health, or quality education, and health care, is the road to empowerment. Equifax internalized XXXX oppression has attempted to disempower me with inaccurate  credit information to my creditor. Equifax has generated their wide disparities in my life by their biases, stereotypes, and behaviors that characterize they're " real '' XXXX. America ( Equifax ) institutionalized racism is supported by your white power structure that allows you to loot America of goods, or steal goods, or plunder people of XXXX credit health. 

According to Professor XXXX XXXX companies of the upper socioeconomic class engage in much more criminal behavior as Equifax has done than the lower socioeconomic offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CA

Complaint narrative:
On XX/XX/2019 I submitted a complain against Experian, complaint # XXXX. This was in regards to a derogatory credit account illegally being reported on my Experian credit report. On XX/XX/2019, Experian responded back to my complaint explaining that the account I was disputing was not being reported on my most current Experian credit report, and that they would mail me an updated Experian credit file. Today, XX/XX/2019, I received said Experian credit report, and the item that Experian told me was not on my credit report, is in fact, on the updated credit report they sent to me, report # XXXX, dated XX/XX/2019. I have scanned page 4 of the report that continues to illegally report this negative account on my Experian 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 non-monetary relief
Consumer complaint received 2019-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to Transunion, XXXX and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment Transunion {$260.00} XXXX {$260.00} XXXX  {$0.00} Date opened Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) Transunion XXXX XXXX XXXX XXXX  XXXX high credit Transunion {$15000.00} XXXX  {$0.00} XXXX  {$15000.00} Last reported date Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX date of last active Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above

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 2019-07-11 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: PA

Complaint narrative:
XXXX  XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX  XXXX XXXX. It is reporting to XXXX, Equifax and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} equifax {$260.00} XXXX  {$0.00} Date opened XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) XXXX   XXXX equifax XXXX XXXX XXXX high credit XXXX {$15000.00} equifax {$0.00} XXXX {$15000.00} Last reported date XXXX  XX/XX/XXXX equifax XX/XX/XXXX XXXX  XX/XX/XXXX date of last active XXXX XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX equifax XX/XX/XXXX XXXX XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to XXXX, XXXX and Experian but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment XXXX {$260.00} XXXX {$260.00} experian {$0.00} Date opened XXXX  XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX month ( terms ) XXXX   XXXX XXXX  XXXX experian XXXX high credit XXXX {$15000.00} XXXX {$0.00} experian {$15000.00} Last reported date XXXX XX/XX/XXXX XXXX  XX/XX/XXXX experian XX/XX/XXXX date of last active XXXX XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX Date of Last Payment : XXXX   XX/XX/XXXX XXXX XX/XX/XXXX experian XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above

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 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
XXXX XXXX- FromXX/XX/XXXX to XX/XX/XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XX/XX/XXXXand rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX fromXX/XX/XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XX/XX/XXXX, they only reversed the charges beginning inXX/XX/XXXX totaling {$2400.00}! My credit card was maxed from XX/XX/XXXX to XX/XX/XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on XX/XX/XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi CFPB, In XXXX of XXXX, I applied for a loan from Chase Auto Finance to buy a car that I had previously leased at the end of the term of the lease. I agreed to pay {$12000.00} for the value of the car and asked for Chase Auto Finance to handle the title on the car. They charged me {$1100.00} for the sales tax on the car and a {$15.00} fee for the Certificate of Title. I wrapped this amount into the loan balance at 5.19 % for a total of {$14000.00}. 

On XX/XX/XXXX, I received an envelope with the unfiled title paperwork from Chase Auto Finance. Evidently, they were unable to title the car, and I was forced to handle that myself. However, this envelope didn't include a check for the sales tax, which was part of the balance of my loan. Sitting in the DMV is always no fun, but without the check for the sales tax, I paid the sales tax out of pocket, {$1100.00}, on XX/XX/XXXX. The way that I see it, they loaned me this money for the sales tax, but they never actually gave it to me ( or to the State of California on my behalf ). 

On XX/XX/XXXX, I called Chase Auto Finance for a refund of the tax, service fee, and refund of the interest on the portion of the additional principal due to the sales tax. It's been a month, and I have still not received more than an auto-generated reply from Chase. I certainly haven't received the refund of the money I paid them : Certificate of Title Fee ( {$15.00} ), Estimated Sales Tax ( {$1100.00} ), and 9 months interest on {$1100.00} at 5.19 % APR. 

I'm still paying on my loan, which I have never missed a payment on. That said {$1200.00} is not a small amount of money to me. I don't particularly want to pay back this money when it was never loaned to me in the first place ... and then there's interest .... I'm providing documentation, all of which I have also sent to Chase. I have the original loan paperwork with the sales tax itemized, the cover letter from Chase saying explicitly that no check was included with the title information, and my receipt from the DMV. I'm sure you guys deal which much bigger problems than mine, but I hope you would do something on my behalf. 

Very best, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid for a hotel stay with my CITI Credit card and was billed twice by XXXX XXXX. I submitted a charge back for the duplicate charge and figured it was resolved. A couple of days later, i received a communication from CITI that they have concluded their investigation, and that the determined that the charge was correct. When I looked at the attachment, i noticed that XXXX XXXX included a one page print out stating that I was a no show for the stay. My complaint was for a duplicate charge, i did agree with one of the charges. I proceeded to respond to the denial of claim, and write out a moment by moment account of what happened. Essentially, i called and asked for a room at XXXX XXXX, the said the could hold one if i gave them my credit card. I gave them my number, and when i showed up to the motel, they swiped it again. This is how i was charged twice. CITI responded with saying that they believed that the other charge was the incorrect one, and sent it XXXX XXXX. XXXX XXXX responded with my booking information, my name and my stay and CITI again reversed the charge and said that their investigation was complete ruling against me. 

I believe CITI Credit Card 's incompetence is harming the public. By blindly rubber stamping any reply from merchants i believe CITI is allowing merchants using their CITI 's services to commit fraud against the public. Based on XXXX XXXX 's response i believe XXXX XXXX is intentionally trying to double charge people, and utilizing CITI credit card laziness to facilitate their fraud of the public.

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