vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: CA

Complaint narrative:
HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM 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 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: AZ

Complaint narrative:
I received a phone call from a collection agency ( not sure what the name was since it was early in the morning ) saying I had written a check for {$1500.00} to XXXX XXXX XXXX in XXXX and it bounced and they were attempting to collect the {$1500.00} that bounced. I never gamble, I never go to the Casino, and since this is XX/XX/XXXX, I never write checks. I asked for evidence and hung up the phone. 

I get a letter in the mail from XXXX XXXX XXXX  XXXX XXXX saying I wrote the check XX/XX/XXXX (  I was at work that day ), check XXXX ( my checks don't even have that number sequence on them ). The letter has 3 different addresses on them, a Corporate Office in XXXX XXXX   with a zip code of XXXX, a processing center in the same city but zip code XXXX, and an address in XXXX ( XXXXXXXX XXXX XXXX, XXXX ). When I look at their website ( XXXX ), it's asking for my bank account information, social security number, address, phone number, etc. 

I look up this company on XXXX and everyone is reporting this company who tries to collect on bogus debts is a scam.

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received the American Express Delta Platinum card with a XXXX   miles bonus if I were to spend {$3000.00} in the first 3 months. I completed my spending threshold in XX/XX/2017 -well within the 3 months since opening my card.

I have contacted American Express at least 4 times via chat ( since the phone number is not an option online ) and have been told repeatedly that my case required escalation and assured me that it would be resolved promptly and to check back in a week. This has been ongoing since XX/XX/XXXX and I keep getting the same run around when I ask for a status. My miles were to be awarded within 6-8 weeks and I have given them ample opportunity to rectify this. My biggest issue with this is that I counted on these bonus miles to book a trip that I now have to pay for out of pocket so this is a huge cost to me. I feel that American Express is unwilling to resolve this issue and feel that they used false advertisement of bonus miles to get me to open an account and use my card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
The credit collection agency would not send me paper documentation each month showing the balance due on the account they said I owed, and each payment I made to the agency of {$50.00} a month for several months was never recorded., the agency refuses to give me a receipt showing the amount of money I paid them, so I stop paying them and request the agency customer service person to send the account back to XXXX XXXX XXXX  so I could pay them because I could not pay a collection agency and not received something showing I pay them money each month and not get a document or bill.

After I stop paying XXXX XXXX XXXX XXXX, they sent me a letter on XX/XX/2017, showing I owed a payment of {$50.00} without a balance. I called the agency and told them to send my bill back to XXXX XXXX  because I did not trust the company after they told me I could not get a record showing payments. And they continue to call my phone more than 5 times a day from different numbers to harass me even after I told them to stop.

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 2018-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my checking account with no prior warning on Sunday, XX/XX/XXXX.

Prior to this, on XX/XX/XXXX, I had opened a claim with B of A, as I noticed that a merchant I had made bitcoin purchases with charged my debit card a total of {$160.00} in which I never received the bitcoin. I noticed the issue immediately and reported it to B of A on same day the transactions posted.

I never got a temporary credit for this dispute, which I thought was very odd so I asked B of A why. I was told that I would get my credit no later than 10-days after filing the claim.

Last year, I had a dispute with XXXX, but all ended in my favor so not sure why that would be a strike against me.

I was sick to my stomach when I tried to use my debit card on Sunday, XX/XX/XXXX and it was rejected. I went right to check my mobile app, and it would not allow me to log-in to view my account. No email, no call, no letter regarding the closure. I have done nothing wrong at B of A to deserve being treated like a criminal. I can not withdraw any money from my checking account at a branch. B of A did tell me they will accept any deposits, credits etc that come in, but they will reject any auto-payments attempted.

The closure department said that there is no reason provided for this happening, but that they would not report my account closure to XXXX.

I was not a bad customer at B of A, I rarely overdrew my account and always made weekly deposits. If buying bitcoin with my debit was an issue, they should have made that clear to me and I would have stopped immediately.

B of A said the claim will remain open until investigation is complete, but I presume the bank is just going to reject giving me the money I am owed. I feel like B of A could, and should treat customers better by giving a heads-up when closing any account, to allow that person to make other arraignments.

It is disgraceful and inhumane to allow banks to conduct such horrid behavior towards their customers.

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
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX.

My wife applied for J.P.Morgan Chase Sapphire Preferred Card at the end of XX/XX/XXXX.

The decision to apply for this card is based on Chase 's promotions : 1. XXXX points after spending {$4000.00} at the first 3 months ; XXXX XXXX additional points for adding authorized user ; 3. {$0.00} intro annual fee, {$95.00} after 1st year ; However, when we received the card on XX/XX/XXXX, we saw there's this charge of {$95.00} annual fee dated XX/XX/XXXX already showed up in the account.

I called Chase 2 times and both 1 tier service agent and her supervisors refuse to honor the promotion shows in the screenshots attached.

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-03 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
To whom this may concern, OnXX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I sent three letters of disputes to XXXX, XXXX, and XXXX to remove the collections that was not invalided. I also sent debt validation letters certified to Commonwealth Financial for Account # XXXX, XXXX, along with another Common Wealth Account with no account # to display. ( please remove all ) These accounts were previously deleted in XX/XX/XXXXand reinserted back on in XX/XX/XXXX.Also for, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  accounts # XXXX, # XXXX, an # I also disputed 3 times and sent debt validation letters certified also XXXX Under the Fair Credit Reporting Act I have the right to demand that the documents that they have be disclosed to me since then I haven't received anything by mail at all from the following companys, but yet the information remains on my credit report after a year of me requesting it and disputing this.I simply requested that they send me any documents in my files to verify the accuracy of the accounts and if not I demand them to delete the accounts from my credit reports nothing. But just a letter from the credit company 's stating that the information remains on my file. Under the FCRA 15 U>S>C 1681, all unverified accounts must be promptly deleted.Please delete the accounts from all 3 bureaus ( XXXX, XXXX, and XXXX  ).

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX  ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ).

Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you!

Account Name : I C SYSTEM INC ( XXXX  ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: CarMax, Inc.
State: AZ

Complaint narrative:
According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Hello, Well, to be quite honest. This isn't the first false debt collection claim. I'd like to report to you this is a false claim I just noticed recently on my XXXX XXXX profile. I have never dealt with XXXX XXXX my entire life. And I have been outside the US since early XX/XX/XXXX. I've noticed why such false collections been happening lately ; which is due to matching name ( sometimes exactly the same first and last name ; XXXX  is a very popular last name ; XXXX XXXX  ). I personally have friends who have the same name and also one I was a roommate back in XX/XX/XXXX-XX/XX/XXXX ( But his first name is XXXX ) I'd like Caine & Weiner Company to take the time to double check this issue and, if necessary track full details of this " XXXX XXXX  ''. Please know that I have a unique SSN, and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have not been able to view XXXX response or submit my comments to you. The response was sent to my husband 's email and not to me. The complaint # is XXXX. I was denied credit because Experian reported that my Social Security # belonged to a deceased person. The SS # was entered twice by their agent in the store so they must have made the error twice. There was no attempt tto compare names and, except for their claim there is no proof that any of this happened. According to XXXX XXXX, in her letter, she tried to call me on XX/XX/18 but could not reach me. Another error due to her dialing XXXX rather than the correct XXXX. This is quite a pattern, After the failed phone call she claims to have sent an email which was not received. The email time was XXXX XXXX which means that the call was made before than. The letterhead shows their location as XXXX  UT and West address is XXXX XXXX SD. I believe phone calls that are made to OR that early are not legal.. In all XXXX  has issued a pack of lies in response to my complaint and that include lying to you, a US Government agency. This is not acceptable and I am hopeful that you can learn the truth and put a stop to their wrongfull denials of 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 non-monetary relief
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX  account number XXXX in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt. The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, XXXX, Equifax, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: IL

Complaint narrative:
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting 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 2018-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.

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