vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME STRESS, I AM A XXXX, XXXX, XXXX AND XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that Chase was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I took out 4 student loans while attending the XXXX  XXXX XXXX between XXXX. These loans were originally service through XXXX XXXX XXXX. I took out 2 loans XX/XX/XXXX and XX/XX/XXXX in which I defaulted on both. As of XX/XX/XXXX those two loans were no longer serviced through XXXX and when then sent to Transworld system. I was contacted by Transworld system around this time regarding my loans and was told that they were a debt collection company who would be now collecting payments for my loans. They stated that my loans were through XXXX XXXX XXXX and that it was important that I paid to avoid being sued. They also stated that interest would still be collected on my loan even though they were in collections. I stated to them that if they are in collections then there shouldn't be any interest and I was told by the representative that even though the private loans are in collection they are still subject to collect interest. I said okay and agreed to a XXXX  monthly payment. When unable to make these payments I was threatened to be sued and taken to court. After looking at my loans carefully I see that my original lender was XXXX XXXX XXXX on my 2 loans that XXXX XXXX XXXX had. I realized that XXXX XXXX XXXX bought my loans from XXXX XXXX XXXX. I also see that XXXX XXXX XXXX has made headlines regarding falsifying documents and taking people to court with not the proper documentation. I also see that they have to pay back XXXX XXXX dollars and that they have to go through 800,000 student loan files and make sure that they have the proper documentation. I'm one of those students who would like to make sure that they have the correct documentation on me and that they were not collecting payments from me after the statute of limitations. Because I have been subject to their harassment of being sued and taken to court and this can be proven because when ever they would call in the representative would state that the call was being recorded. I would like proof that my loans originated from XXXX XXXX XXXX and were not bought. Because I have proof that they originated from XXXX XXXX XXXX. I also want proof that they collected debt from me within the statue of limitations for Michigan because at the time that is where I was living. I would also like proof from the pre-recorded calls that I was threatened to be sued for any nonpayments and breaking my agreement. I will also like to know why I'm now paying money to XXXX XXXX XXXX another debt collection company that has threatened to sue me once on behalf of XXXX XXXX XXXX. After seeing how XXXX XXXX XXXX has made headlines again I have now decided to seek legal counseling regarding what I have gone through with this company. I want what is right for me and I know that XXXX XXXX XXXX has violated many laws against me as well as others

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
US Dollar Wire transfer held due to OFAC COMPLIANCE INVESTIGATION. 
XXXX, XXXX I would expect a delay related to this investigation, but I would also expect due diligence and expedite answers from banks involved in this wire transfers. 

I have communicated to my bank Chase about this transaction delay, and requested to notify the beneficiary recipient of this wire transfer delay. Chase communicates through on-line security messages which delay one or two days for answers, and XXXX XXXX  customer reply back in two or three business days. Also when I call XXXX XXXX customer service resplied that following security and privacy policies refused to notify the beneficiary of the wire transfer dalay, even I am not requesting any information they refused to notify its customer. 

The date for wire transfer transaction was XX/XX/2019 for {$1000.00} US Dollars. 

Today is XX/XX/2019 and I am still in the limbo of when the funds would be released or about the transfer status. 

My account : JPM Chase Account XXXX Recipient Bank Bank - XXXX XXXX Company name : XXXX XXXX Acc # Number # XXXX Routing Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
Last year I discovered several medical collections on my reports that I did not recognize. I contacted the XXXX XXXX of Georgia  hospital and after an investigation they concluded that they did not belong to me. A collection agency called XXXX XXXX was reporting the debts. The debts were removed in XX/XX/XXXX of last year. I have now discovered that another collection agency is reporting the same debt that I had removed. The collection agency is Phoenix Financial. I have never heard of this agency and they have never given me an opportunity to dispute the validity of these debts. If they had done so according to the FDCRA then they would have known that the debts did not belong to me and were removed from my reports. I was advised to dispute with the credit bureaus and file a complaint with this agency. This collection agency is using illegal tactics to get consumers to pay collections that they clearly DONT own and that they know they can not validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: GA

Complaint narrative:
I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that XXXX was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution.  XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from XXXX, who claims Transunion initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. Experian directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. Experian claims they recieved the alert from XXXX, who claims XXXX   initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
Years ago in 2014, I went to XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXX, Ca to get a variety of things done to my XXXX, one of the most expensive things being XXXX XXXX. However, after several visits to the office the XXXX  there was unable to successfully XXXX  the XXXX onto my XXXX which i'm sure they should have records of the visits and many attempts to complete the procedure. During this time i was told my management at the time the i would not have to pay for treatment that was not successfully rendered. Shortly after there was change of management and then shortly after that this entire location was shut up down. Since then i had been receiving bills in the mail for the services that were never rendered i reached out to corporate head quarters more then once. And it seems as though this nightmare will not go away. It is clearly evident if you look in my XXXX  and review the records on file that the XXXX were not successfully rendered and this location had a history of not performing well which is probably the reason for the shut. can someone please investigate. I should not responsible for paying for this debt, it has been having a negative impact on my credit for months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
They kept calling both of my numbers after I informed them that I was not allowed to talk at work she did replied that I answer the phone so I must can talk there is no reason they should keep calling back to back and calling from private numbers back to back this is absolutely ridiculous XXXX XXXX need a new bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX HSBC charge my account a monthly maintenance fee even though I maintained the required balance.

Ive had the account for years and this is the first time they charged an unauthorized monthly access fee.

The bank never notified me of any issues they may be experiencing that caused this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE BANK FROM A XXXX FLORIDA EXCHANGE WHICH IS XXXX HAS CALLED 82X FROM XX/XX/2018 - XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is been reporting on my credit since XX/XX/XXXX. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
capitol one raised my credit limit after i told not to .now i have a bill i can never pay off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, on the date of XX/XX/2018 Bank of America put a hard inquiry on my XXXX  credit report. I am not aware of this, I tried calling but would just be put on hold for a long period of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is been reporting on my credit since 2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is been reporting on my credit since XX/XX/2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XX/XX/XXXX Dear CFPB ; I Filled bankruptcy, XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. XXXX, CaseXXXX. They Called I Talked To XXXX XXXXXXXX XXXX He Was So Horrible Demanding Payment Immediately, Was Told FICA From Bank, And The Federal Government Will Garnish My XXXX  Checks, That I Am required To Pay Even With My bankruptcy, Would not allow me to talk to my lawyer, Made me pay {$30.00} And That They will Now Take {$100.00} a month out of my bank, This Was with Wells Fargo Bank about 7 years ago. I Have Received No Notice, No phone calls, nothing, And I was Threaten So Much, I was Shaking! I contacted My attorney.

XXXX XXXX   XXXX Chapter XXXX  Case Manager XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX Telephone : ( XXXX ) XXXX XXXX XXXX Facsimile : 1  ( XXXX  ) XXXX   email : XXXX website : XXXX XXXX XXXX   They Said Not To Speak With Them again She Was So angry At Them. 

Please help XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation