vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NV

Complaint narrative:
In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE AUTO FINANCE To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: FL

Complaint narrative:
The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.

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 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: TN

Complaint narrative:
I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX referencing account XXXX. I originally reached out to them for debt verification. The form I received in return was what I will consider debt verification, but the date on the paperwork I received from the showed an open date of XX/XX/XXXX. On my credit report, however; the open date says XX/XX/XXXX.How is that possible?Once I contacted them, I was given a case manager that continuously told me, the open date was the date THEY got the account from another party, but even if the account was sold or transferred, how can the open date change? She even went as far as to say, the drop off date for the collection is XX/XX/XXXX, so why would the open date on my report say XX/XX/XXXX?This is the case for 4 different accounts I have on my credit report that belongs to this particular company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Four fraudulent charges appeared on my Citibank credit card account between XX/XX/XXXX through XX/XX/XXXX in  amounts from {$80.00} to {$310.00}. I noticed the charges online within two or three days and contacted Citi via online chat immediately to inform them of the fraudulent charges. Citi credited the amount of three of the four fraudulent charges back to my account immediately. One fraudulent charge from XX/XX/XXXX in the amount of {$170.00} remained pending on my account. 

The statement for my account closed on XX/XX/XXXX. The {$170.00} fraudulent charge from XX/XX/XXXX was still shown as the balance due on my account. There were no other unpaid charges on this account. I contacted Citi several times via online chat over the next three weeks. The chat agents refused to provide any further information. 

On XX/XX/XXXX I mailed a certified letter informing Citi that I disputed the four fraudulent charges. Citi received the letter on XX/XX/XXXX. Citi acknowledged the disputed charge via electronic letter on XX/XX/XXXX, but did not remove or credit the charge. I did not pay the disputed amount. 

My next statement closed on XX/XX/XXXX and included a late fee of {$25.00} and interest charges on the {$170.00} outstanding balance of {$2.00}. Citi online is now showing that my payment is past due despite knowing that this fraudulent charge is disputed. 

Citi has violated 15 U.S.C. 1666 ( c ). Citi sent me a statement dated XX/XX/XXXX including finance charges on amounts in dispute following written notice from me. That statement does not include any indication that payment of the disputed amount is not required pending Citi 's compliance with section 1666, as required by section 1666 ( c ) ( 2 ). 

I have requested that Citi remove the fraudulent charge, the late fee, and all interest charges. Citi has yet to substantively respond.

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 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage to Carrington. I was unaware this had happened until the end of XXXX and did not receive contact information from the new loan servicer, Carrington until the end of XX/XX/XXXX. They would not let me pay via online, by phone via automated pay, or set up a draft. I mailed in payments via check for XX/XX/XXXX and XX/XX/XXXX, which cleared. The payment I mailed in for XX/XX/XXXX never cleared and yesterday they returned my XX/XX/XXXX check for payment with a generic letter refusing to accept it until I pay the full amount required but did not state in the letter what the amount is. My monthly mortgage payment is {$1300.00}. For XX/XX/XXXX and XX/XX/XXXX, I paid {$1400.00} each month. For XX/XX/XXXX, I tried to pay {$1400.00}. I have tried to contact them via " online chat, '' via email and also via telephone. I tried to pay by phone and the automated system and they will not allow me to, nor does my online account allow me to pay online. I also attempted to set up auto-pay from my checking account and it will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a Citi Priority checking account in XX/XX/XXXX because I received their advertisement stating I could get $XXXX bonus if I fulfill the following: Open the account by XX/XX/XXXX, fund the account $XXXX, and make 2 direct deposit. There were no mentioning of "existing account holder not qualified" on the ads, and I had a checking with Citi but I still received this ads, so my understanding is that I qualify. I fulfilled all the requirement by XX/XX/XXXX, and did not see the bonus of $XXXX. So I called Citi. The agent did some research, and told me to wait some time. So I waited till XXXX, and called again since the bonus is still not posted. Another agent said I need to wait 3 months after all the requirements are fulfilled. So I waited another month. Still nothing. This time, the agent told me they would research and send me a letter. I received the letter, which said I did not qualify because of my existing checking account. I believe it was very dishonest for Citi to do. First, they should not have sent me the ads if they know I did not qualify. Second, they knew I had an account and should have told me at my first contact. But instead, they told me to wait and held a large amount to them for zero interest for almost 6 months. This is textbook definition of Bait-and-Switch. I cannot believe a large corporation like Citi is doing such dishonest things to its loyal 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 2018-01-24 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX an unknown individual used my information to cause Chase Bank to reverse several transactions causing payments not to be completed through several of my normal monthly payments. In turn, the excess funds were then withdrawn from my account using a debit card with my PIN number. I did not authorize nor did I perform any of these transactions. I reported to Chase Bank immediately when my payments were canceled and I was notified by my monthly account holder. All attempts to rectify the situation were denied claiming the use of the debit card was an individualized occurrence and would not be reimbursed. Chase allowed someone to access my account without my knowledge and refuses to accept that they are responsible for the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}

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 explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Olympic Collection Inc.
State: WA

Complaint narrative:
After going to court on XXXX-XXXX-18 to attempt to come to terms with the collection agency (over a $XXXX   medical bill we couldn't afford at the time that bloomed to $XXXX  after the collectors got their hands on it) after months of trying to make good faith payments and being denied every time, the attending attorney (XXXX XXXX XXXX, XXXX  #XXXX) advised us that we have 30 days to contact the collector and establish payment arrangements (he stated they will be amenable now, he even provided us with the owners name, XXXX XXXX). We called and I talked to XXXX, she would not entertain anything less than full payment now, I requested to talk to the owner and she said he won't talk to me and eventually hung up on me. I received a call 1/2 hr. later from her boss, XXXX, and again no negotiations were suitable for him. I explained our situation to him and got the "so what" attitude, pay now! I explained that since I became too frail to work and my wife's sole income is supporting us and paying one lump sum would put us on the street in the middle of winter and he just didn't care. We are already skipping some of my other treatments and cannot afford some of the life saving medications I need. His "so what" attitude again prevailed. Then he mentioned that he had pulled up my wife's payroll and stated he would TAKE 1/3 payments to clear the account in 90 days. I asked him what law prevents him from taking payments? His response; ME! They refused to accept XXXX XXXX. that we could sacrifice groceries and daily essentials and still have a home, nope, not happening, so again, I asked to talk to the owner, and again he too hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation