vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: LA

Complaint narrative:
I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between  JH portfolio an d myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC
State: MA

Complaint narrative:
His name was XXXX XXXX he said he was with Accelerated Servicing Group. He has been harassing me with phone calls for weeks both at work and on my cell. Ive asked him to stop he told me today that he will call my work every day until I pay what I owe. He then called me an XXXX. He said I was gon na get a lawsuit if I didnt pay today etc etc Very very threatening and verbally abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: GA

Complaint narrative:
XXXX   XXXX  is reporting on my Experian credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late 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 non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have not done business w ith LVNV funding. I do not have a signed contract not any contract with LVNV funding. I have the right to demand to see a signed contract between LVNV funding and  myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I ca n't get Navient to answer any questions. I asked for the income based repayment plan and they wo n't return my phone calls. They even hang up on me. When they do take my calls they tell me to just do forebearance. I want the income repayment plan or " get a better job ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I obtained my credit report and found a fraudulent address and account opened in my name. Chase Bank allowed a credit card to be opened in my name and is reporting negative information about the card on my credit profile. I have never used this card, did not apply for or order this card and this card was opened due to fraud. I have attached a copy of my ID, social security card, birth certificate and my lease showing where I actually live and where I lived when this card was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I sent PRA a letter asking them to verify a debt, claimed to be owed to them, by sending me ( a ) the original contract and ( b ) a complete set of financial statements. In return, PRA sent me a financial statement for one month and did n't send the original contract. Furthermore, according to PRA 's records, the credit card account was opened in XXXX XXXX, yet PRA was only able to provide me a statement for XXXX XXXX. Thus, despite not having proof of contract or a complete set of financial statements, to show how the amount claimed to be owed was calculated, PRA is still reporting this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. So I also disputed with the collections agency as well sending them a letter certified with a tracking number and do n't recall signing a contract with this company nor did I remember receiving a duns letter allowing me a chance to dispute this allowing me a chance to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Hi, Coinbase allows to buy cryptocurrency such as Bitcoin. I initially verified my identity, and purchased bitcoins using various means of payment ( credit card and bank account ). They then rolled out a " USD wallet '', which is a way for them to store US dollars owned by the consumer, so that the consumer can quickly buy crytocurrency from that USD wallet. I first made a small wire transfer ( {$1000.00} ) to that USD wallet, which was successful, and which I was allowed to use. When I made a second much larger transfer ( {$12000.00} ), they asked for my identity again, which I complied with. They now blocked USD wallet, which holds the money I wired, and ask that I enter my SSN information ( the last 4 digits only ). I attempted to comply, but the system replies with the following message : " Unfortunately, we could not find an identity matching the one you provided. This is common for those that are considered minors, between the age of XXXX-XXXX, or those that may be new to the country and have not established a presence in public data. '' I have been a US taxpayer for almost 6 years, and US resident for almost 4 years, so this excuse makes no sense. I have tried to contact them earlier this week, but did not get a reply within 72 hours, as they said I would. At this point I 'm getting scared that I will never see my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, equifax, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: NC

Complaint narrative:
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this 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 explanation
Consumer complaint received 2017-06-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted XXXX, XXXX, and experian as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this 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 explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have filed a dispute with Chase Bank on debit card transactions that took place around end of XXXX 2017 until first week if XXXX 2017 unauthorized Chargers. First Chase Bank should stop having Representatives from orher countries trying to file a dispute for the customer because they 're on professional and unexperience representatives, I have filed a dispute for ATM transactions and cash advance transactions that took please on my account. This is what happened back in XXXX 2017 i was on a vacation trip to XXXX, California on my trip I lost my wallet in my wallet i had my Chase bank debit card. I called Chase Bank to tell them I lost my debit card and there were fraudulent transactions on my account so I filed a dispute and I was not reimbursed on the unauthorize fraudulent transactions that I filed, they give me a temporary credit and then reverse the temporary credit after I reported that I lost my wallet in my wallet that was the Chase debit card and my pin in there also with all my personal information, so Chase Bank send me a new debit card and I did not receive that debit card and then they stated that they go ahead and resend it again so the one that I did not receive I guess someone else received it so instead of Chase bank changing the debit card information they send the same debit card that first time that I did not receive so after that beginning of XXXX 2017 all kind of ATM transactions, cash advance transactions was happening all in XXXX XXXX County areas, so XXXX 2017 I found out that more than {$30000.00} was missing for my account so I filed a dispute with the unexperience chase bank Representatives in different country in the filing is that disputes were filed differently what I was disputing so because of that matter Chase Bank denies my claim and now when I 'm calling to find out the status of my dispute all I 'm getting is an answer that XX/XX/XXXX chase bank closed my account and denied my dispute and they can not open up a new dispute. I 'm filing this report because i want chase Bank to know that they lost more than {$30000.00} of my money and they could n't protect my money and because of the wrong filing with their representatives my claim was denied and my account was closed so I can not reopen this claims so I need somebody experience anybody from United States of America to try to help me resolve this matter more than {$30000.00} the money that I work hard for and that money that belongs to my family not to some stranger that Stole My Money and Chase could not do nothing about it or protect my account but instead closing the account and saying sorry we can not help you thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: AR

Complaint narrative:
This complaint and concern is against TransUnion. I have had the worst experience ever dealing with this company. I have disputed several items including credit inquiries with this company. I do n't have any accouts with any of the creditors so how is that possible and I did not give consent to run my credit. I have placed a fraud alert on my file and TransUnion are still allowing creditors to pull my file without my permission. None of the inquiries are associated with an account or any firm offer for credit, insurance, court order, or employment. The dispute results are always " inquiries are factual and to contact the creditor '' I have reached out to the majority of the creditors listed and explained my situation and all have advised me that they will send TransUnion, XXXX, and XXXX the information needed to remove from my file. I have received inquirie removal letters from most of them already and I have proof of documentation stating that they will remove the inquirie. How is TransUnion able to send me documents stating that they will not remove because inquires are factual when I have actual letters from the creditors and within the body of these letters it clearly states that they will send the Credit Agencies the proper documents to remove from my file. TrabsUnion is not investigating any of the information. Please have this information removed from my Credit Report.Again, I have no knowledge of these inquiries these are inquiries I have no account. I did not give anyone permission to run my Credit. Being that I have proper documents to support my complaint I wish to have this honored by removal of inquiries from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.

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 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
XX/XX/XXXX REPORTED TO THE POLICE- WILL FIND REPORT AND DELIVER SOON - WENT TO XXXX XXXX XXXX AND REPORTED IT AND THEN CALLED THEIR THEFT CUSTOMER SERVICE AND WAS  TOLD TO CALL ANOTHER NUMBER THAT HASNT RETURNED MY CALLS IN ALMOST A YEAR. XX/XX/XXXX- I HAVE BEEN GOING BACK TO XXXX XXXX XXXX TO SPEAK TO A REP BECAUSE DEBT COLLECTORS KEPT MAILING AND CALLING NON STOP, I COULDNT SIGN UP FOR SCHOOL OR A BANK ACCOUNT AND I HAD ASSUMED THEY FIXED THE SITUATIONXX/XX/XXXX- COLLECTOR CALLED AND I EXPLAINED TO HIM THE SITUATION HE SAID IT WAS TOO BAD BECAUSE ITS BEEN A YEAR AND THE BANK WANTS IT. I PAYED XXXX $ TO HIM SO HE WOULD BACK OFF SO I COULD REPORT THIS. ON TOP OF THAT, I HAD BELIEVED MY CREDIT CARD AND SOCIAL WAS STOLEN BY A STRANGER ALL UP UNTIL THIS YEARXX/XX/XXXX WHEN I TRIED TO LOOK INTO IRS TO TRY TO FIGURE OUT WHY I DIDNT HAVE MY TAX INFORMATION AND WHY I NEVER RECIEVED MY XXXX. ALL MY INFORMATION ABOUT ME WAS STATED THAT IT WAS WRONG. IMMEDIATELY REPORTED BECAUSE I REALIZED MY EX HUSBAND HAD OPENED A ACCOUNT RECENTLY WITH MY NAME TO XXXX WHICH I CLOSED AND HE HAD TAKEN MY TAX INFORMATION FROM MY MAILBOX AND APPLIED FOR TAXES. WE WERE IN THE MIDDLE OF A DIVORCE AND HE IS NOT A CITIZEN. HE WERE ENGAGED AT THE TIME OF THE CREDIT CARD ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I have requested in writing and sent via  USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days.   Thank You in advance,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I used XXXX to get money before my pay day and it made my account negative {$26.00}.

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 2017-06-30 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: Colony Brands, Inc.
State: VA

Complaint narrative:
XXXX   XXXX  has an account on my credit file for a charge off of  XXXX . This. Account has since been sold to  XXXX   XXXX   XXXX   XXXX   XXXX  who is collecting the debt and threatinf to report to the Credit Bureau. I want   XXXX   XXXX    information removed since they are no longer collecting and I 'm working with   XXXX   XXXX   XXXX    XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
In results of address and number change I was unaware of Medical debt with XXXX XXXX. I was garnished and paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed on my Equifax report that there were numerous inquires that I did not authorize. I have called on numerous occassions as well as disputed these inquiries online. I have also sent a letter on X/XX/2017 to Equifax ... <P/>I disputed on line to Equifax on X/XX/2017 stating that I did not authorize the inquiries on my Credit Report. Received notification on X/XX/2017 that " Inquiries are a factual record of file access '' I also disputed on line with Equaifx on X/XX/2017 and received notification via email on X/XX/17 that " Inquiries are a factual record of file access '' I did not authorize these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - NO RESPONSE. This item is on my credit report and is negatively affecting my score. I have requested numerous times for verification, or any description to be given as to what this is. I have no idea what it is for or what is it from. To my recollection I have never received a bill or a statement. I feel that this in an incredible violation of my rights to be continually requesting information and to not receive it when my attempts to obtain better interest rates and better my credit worthiness go UNANSWERED! I find it incredibly suspicious that I have received an answer from other creditors sending the same letters. This is a waste of my time, energy and money.

Company response to consumer: Closed with explanation