vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX amount of XXXX XXXX   original debt was for XXXX XXXX I and currently an XXXX insured driver with no late balance XXXX XXXX has never sent me and mail saying why I owe I also went through there website filling out proof of being in good standing with XXXX and never heard back .XXXX hosptial XXXX XXXX XXXX XXXXHave not received any call or letters for this debt!Portfolio recovery associates XXXX XXXX XXXX amount of XXXX no contact by mail or phone account is old and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
: Notice for Proof of Claim Account : WAKEFIELD & ASSOCIATES  118486XXXX To Whom it may Concern: This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States (C) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements: “Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law”. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts(3) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692(g): Under the Law, FDCPA, Section 1692(g), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was at JCPenney store XXXX on XX/XX/19 at approximately XXXX XXXX. The cashier, XXXX, asked me if I wanted to save 40 % by opening a JCP credit card account. She said it would take 5 minutes or less. I entered my personal information on the credit card keypad in front of me as part of the application process. One part of the application had me enter my SSN. The next screen had me re-enter my SSN to confirm the correct number. At the completion of my application, I was initially declined a JCP credit card as an account holder named XXXX XXXX had an account already opened using my SSN. I became alarmed and told the cashier that my SSN was being used fraudulently as I was totally unaware of the existence of a JCP credit card account which incorporated my SSN in the name of XXXX XXXX. After the cashier telephoned a customer service agent, she handed the phone to me during which I explained my concern that my SSN was linked to a JCP account unbeknownst to me, in the name of XXXX XXXX. The customer service rep stated that she was going to put me on hold while she transferred me to fraud control. However, after approximately 5 minutes, the same customer service rep came back on the telephone and told me that a fraud alert would be placed on the XXXX XXXX my SSN account and it would be investigated. She then stayed on the phone with me while we ( the cashier and I ) again attempted again to open an account in my name with my XXXX. This time I was able to open the JCP credit card account. I completed my purchase under my new XXXX Credit Card account number. Before terminating the phone call with the customer service agent, I inquired about the fraud investigation process. The agent stated that the credit card fraud department would be contacting me. As of this date, no one has contacted me regarding this matter and Im concerned that my social security number was used to open a fraudulent account which may still be currently active. I am concerned that no attempt to reach out to me from JCPenney or their agent has been made in a situation which I find very concerning and which potentially involves my credit score/report and my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received an email about referral bonuses. The email states that I will get XXXX cash back for each friend who gets the card. The person I refer will earn XXXX  cash back after they spend XXXX in the first three months their account is open.When I send the link to a friend it tells them they will get a promotional offer of 3% cash back and switches the offer with no mention of XXXX cash back after they spend XXXX   in the first three months their account is open.This appears to be a bait and switch promotion which is damaging my reputation because I advertise something to my friends and colleagues that isn’t true due to Chase Banks false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
According to American Education Services, the current servicer of 3 of my private loans, my interest rate on my loans is calculated using the LIBOR rate. Specifically the company claims to use the LIBOR rate from the XXXX XXXX XXXXl Eastern Edition. However, when I google exactly that "XXXX XXXX   XXXX Eastern Edition LIBOR rate" I get to the XXXX webpage and find that there are 7 different types of LIBOR rates....LIBOR overnightLIBOR 1 weekLIBOR 1 monthLIBOR 2 monthLIBOR 3 monthLIBOR 6 monthLIBOR 1 yearConsequently, the LIBOR rate for all of those are different from one another. AES is not transparent with me in which LIBOR rate it is using to calculate my interest rate. Furthermore, upon requesting the last 5 years of the LIBOR rate that was used to calculate my interest rate, they instead send me the past 5 years of my personal loan interest rate (not very helpful at all). Frankly, AES has been unwilling to be transparent about which LIBOR Rate is used and has not been willing to show me information about the LIBOR rate history the company has used in the past 5 years to calculate my interest rate. I find this to be unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
Continuously harassing me and will not stop have filed numerous claims and still continue to harassing me. Statue of limitations is up in California it is four years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I XXXX XXXX settled on a debt with Portfolio Recovery Associates, even though there was a clouded issue of true ownership.  At the same time Portfolio Recovery Associates stated that it purchase a debt from XXXX XXXX XXXX., so did The Bureaus state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now Portfolio Recovery Associates has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with Portfolio Recovery Associates.  PRA is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX XXXX on a debt with XXXX XXXXXXXX XXXX, even though there was a clouded issue of true ownership.  At the same time XXXX XXXX XXXX stated that it purchase a debt from Capital One N.A., so did The XXXX   state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now XXXX XXXX XXXX has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with XXXX XXXX XXXX. XXXX is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I receive a copy of my credit report and shows that his company was on my credit report as an inquire since XXXX2018. I  never applied for a credit card from this company and my mail was going the someone elses mailbox so I was unaware that is was happening. I am now being denied of credit due to inquires on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, TransUnion & XXXX are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. XXXX, XXXX, and TransUnion have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by XXXX is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date XX/XX/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TN

Complaint narrative:
XXXX, XXXX & Equifax are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. Equifax, XXXX, and XXXX have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by e-Oscar is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date 09/09/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I receive a copy of my XXXX credit report and its how an Inquire on my report that I did not authorize form comenity bank on XXXX/2017. I do not do business with this company and did not authorize my credit be access by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
I am XXXX XXXX  owner of a white XXXX XXXX XXXX 2 door.  The XXXX was financed thru Santander Consumer USA.  On XXXX XXXX they illegally towed my car and never returned.  They never provide me court order.  I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car.  I would like to submit a formal complain to the Santander Consumer USA.  On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX.  I am submitting this complain in order to get my jeep back.  Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We filed a federal lawsuit against (5) major banks on XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX. XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX No. XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF XXXX XXXX  DIVISION ~ Judge XXXX XXXXXXXX. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We filed a federal lawsuit against (5) major banks on 07/07/2015 regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX XXXX XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE SOUTHERN DISTRICT OF TEXAS XXXX  DIVISION ~ XXXX XXXX XXXXl. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXXn, and Equifax the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX   and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXXXXXX   to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
well me and my family are victims of the "campfire" that destroyed our home and belongings and since the fire we've been living in a R.V and a generator was donated to our church that in turn was givin to us brand new.XX/XX/XXXX the generator began to fail mechanicaly so i returned it to the dealer which in turn refunded me about XXXX but since it was only XXXX XXXX when i returned the generator the store didnt have enough cash in the store to pay me in full so the manager asked if i had a debit card that the refund can be forwarded to and i only had a Paypal prepaid debit card on me so i gave it to the manager and he said the refund should take no more than 72 hours to process.Ater 72 hours passed i attempted to make a small online order and found out that PayPal froze my account bcs the generator i had refunded to the card wasnt originaly purchased with the card therefor it was flagged for suspition...i have tried numberous times to have this resolved and there treating me like a criminal and ive even offered to send them the original reciept from the refund and explained it was imposible to get the original reciept when the item was purchased bcs i did not purchase it i recieved it by donation doe. to me and my families situation .i feel there being unreasonable especially since ive never had any issues before with "suspicious activities"

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