vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago, I started to receive letters from Credit Corps Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a XXXX that was applied for and immediately a purchase of {$140.00} was charged on it at XXXX on XX/XX/XXXX,  on the same day and at the same time. 
The first week of XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit XXXX XXXX XXXX. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Credit Corps tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted XXXX XXXX on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX XXXX XXXX XXXX to send requests to get my so-called application of XX/XX/XXXX. I also contacted Credit Corps today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from Credit Corps today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX   when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/17 in regards to a collection account on my credit report. The company responded to the complaint and stated they would send validation of said account. I never received validation and I am demanding that this account be removed from my reports. It is negatively affecting my credit score and hindering several processes.

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 2018-06-26 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Theres inaccuracies in my XXXX  report showing a collection for {$100.00} from TransWorld Systems opened on XX/XX/2017. Another inaccuracy is on my XXXX report from XXXX XXXX for {$500.00} opened on XX/XX/2017. I pay all my bills. These are not my collections/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing with regards to the closure of my Chase Freedom, Chase Freedom Unlimited, and Chase XXXX cards. The reasons given to me were that 1 ) I have too many credit inquiries and 2 ) I have too many cards. 

Regarding the first point, Chase inquired into my credit twice for the XXXX card and the duplication is being removed. I received a letter dated XX/XX/18 confirming this from Chase. In relevant part it states : Weve sent a request to the credit reporting agency shown below to mask the inquiry from XX/XX/XXXX. And this inquiry will be removed within six to eight weeks, according to Chases Credit Bureau Specialists. 

As to the second point, the only card I have opened as of 2018 is the XXXX card. This was a card that Chase solicited and pre-approved me for. They claim that this is the 4th card I have requested with them and this is not the case. 

I have inquired as to whether there are any other reasons and the chase banker I spoke to on XX/XX/18 claims that these reasons i am deemed a credit risk. 

Objectively this is hard for me to stomach : I have banked with chase for 11 years ( Since I was XXXX XXXX XXXX ), I have never missed a payment with chase or otherwise. And they were informed that I am currently working at XXXX 's law library while I study for the bar before I begin my legal work on XX/XX/XXXX making XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!

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 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me. 

I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Theres inaccuracies in my XXXX report showing a collection for {$100.00} from XXXX XXXX opened on XX/XX/XXXX. Another inaccuracy is on my XXXX report from XXXX   XXXX for {$500.00} opened on XX/XX/XXXX. I pay all my bills. These are not my collections/accounts.

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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: UT

Complaint narrative:
I received a letter stating a medical bill I was unaware of was sent to collections. Immediately, I called to resolve the matter and make payment arrangements. They declined what I could afford and told me either {$5000.00} down and {$5000.00} the following month or 3 consecutive payments of {$3000.00}. The told me this was the only way they could accept my payment and I told them I would see what I could try to figure out. 

After confirming with my options that those just are not realistic arrangements I called them to atleast make a payment and see what I could continue to afford. They told me they could not accept my payment because it wasn't enough and that they are now going to put it against my credit. I tried multiple times to have them take my payment and they declined. I asked them if I were to go online and make a payment, since they would not accept it, if they would send me a notification with my new balance owed before reporting to my credit and she said they don't do such a thing. 
The fact that she declined my payment and refused to come up with a realistic arrangement for monthly payments is completely unfair. 
The company 's name is XXXX XXXX XXXX. She was a senior representative and her name was XXXX. The most recent call took place on XX/XX/XXXX at 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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Endangering my job by calling my employer to collect a debt. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I reached out the the company letting them know about the fraudulent account and about my identity theft he then asked questions due to validation of what he had did not match any of my information I am unaware and not reliable for the account in reference to an account none to 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 2018-06-26 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: NJ

Complaint narrative:
TransUnion states that my XXXX XXXX XXXX  account is 100 % accurate, when clearly you can see the inaccurate information place on my TransUnion credit report, I try disputing multiple times for inaccurate information such as my legal name is XXXX XXXX XXXX, not ( XXXX XXXX ) thats incorrect, ( Date Opened ) thats inaccurate, ( Balance ) inaccurate because a charge off should be XXXX, ( Date Closed ) inaccurate, ( Payment Received ) thats not correct, ( Last Payment Made ) inaccurate because my Bank statement indicate a different Day. The ( estimated date of remove ) is inaccurate, ( Terms ) isnt inaccurate I send them a validation of debt and they stated that they are NOT OBLIGATED to send me any information on the account also I send them a letter under the section 623 and also they failed to respond. I made a complaint with the CFPB and XXXX XXXX XXXX failed to respond to the CFPB also I have a recording with TransUnion and XXXX XXXX XXXX, the employee with TransUnion stated that they dont do a investigation when clearly thats violating the law under section 616 & sections 617. But TransUnion Stated that is Verified on the mail Letter that I received at my home, so I ask them for method of Verification and they refuse to send me the method of Verification and also failed to Respond to me and the CFPB, They are violating my rights and defamation of character under the ( FCRA )

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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a letter via Certified Mail on XX/XX/18 to Portfolio Recovery regarding an unknown account listed in the collection section of my credit report. By law, I should have received correspondence within 30 days from the company. It has been over 90 days, and I have yet to receive any correspondence regarding the account. Therefore, I am requesting that this collection account be removed permanently from my reports. I am very unhappy with the lack of customer service shown by this company, especially since this account is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is blocking and choosing which credit accounts go on my personal profile and they are violating my rights under the Fair Credit Act

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 2018-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: MA

Complaint narrative:
In XX/XX/XXXX my XXXX loan servicing was transferred from Conduent/ACS to XXXX XXXX XXXX. Payments sent to ACS after XX/XX/XXXX were supposed to be applied by ACS to  XXXX. I sent in my regular monthly payments ( timely ) on XX/XX/XXXX. I had not at that time received a notice from XXXX at that time to change servicers. THE XXXX FAQ site covering the change says that any payments received after XX/XX/XXXX would be applied by ACS to XXXX. As of today, XX/XX/XXXX I do not see that this has happened as I am getting past due notices from XXXX for a month 's worth of payments ( {$300.00} ), which I assume to be XXXX 's which were never sent by ACS to XXXX. 

This issue encompasses XXXX loans, whose monthly payments total the above {$300.00}. 

The XXXX # are : XXXX XXXX XXXX Thank you very much for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion shows my XXXX XXXX with XXXX and XXXX XXXX as XXXX while my XXXX card ( with Transunion ) states my score is XXXX. XXXX and XXXX XXXX state reasons my credit score is low is due to a bankruptcy. I have contacted Transunion three times about this and am told there is no derogatory information or bankruptcy reported on my report and can do nothing about my credit score discrepancy. XXXX and XXXX XXXX tell me to take it up with Transunion. I'm getting the run around and merely want my credit score to reflect the correct amount.

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 2018-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. 

The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line ''  subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. 

I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. 

I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction? 

2 ) Please provide copies, cost, and any other information regarding all advertising for sale. 

3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale. 

4 ) When was repo title applied for and obtained. Please provide a copy of the repo title.

5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos.

7 ) Please thoroughly explain how you calculated the amounts given on form 1099A.

8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO Bank.

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 2018-06-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Already reported identity theft this was an item on my credit report these businesses need to be more careful with opening fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: NC

Complaint narrative:
I've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted the customer service at the phone number indicated on my bill ( XXXX ), to dispute a late charge that was on my most resent billing statement. The agent, named XXXX? Indicated that there was nothing she could help me with. I asked for the supervisor and was transferred to XXXX ( Agent ID XXXX ). The supervisor also told me that there was nothing that could be done. When I asked to escalate, that supervisor began to laugh at me and I also heard laughter coming from the co-workers in the background. Hearing all the laughter over the phone I stated that I felt this was an unprofessional response and asked again to have my issue escalated. I was told that there was no one higher that could assist me. At this point the supervisor disconnected my call. 

Date was XX/XX/2018 at approximately XXXX XXXX XXXX XXXX was {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.

Company response to consumer: Closed with explanation