vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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: MO

Complaint narrative:
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 via certified mail. It is now XX/XX/2018 and I have yet to receive back sufficient validation of that was requested to verify this alleged debt. The FCRA gives the company 30 days to respond and after this time had passed, the company sent directly to my address a copy of billing statement. According to FDCPA, this is NOT sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: MA

Complaint narrative:
I received a bill from Chase with multiple charges for XXXX purchases. All charges were close but below {$100.00} some more than one per day. I called Chase and gave them info on XX/XX/2017 the same day i received the bill. On XXXX Chase called back and denied my fraud claim. After arguing with Chase they agreed to peruse the claim at the next level. That same day i filed a complaint with the XXXX XXXX Police Department complaint # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX and XXXX XXXX breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX fraudulently charge me erroneous amount of {$XXXX} for baggage without evidence of weight of luggage & receipt & without my consent & authorization. & Chase bank failed to protect me as their customer. 

XXXX XXXX personnel were completely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have notified Equifax via fax and mail numerous times and they keep refusing to investigate this without the proper identification which I also have included and I am attaching this to and I and I have once again mailed and faxed on today XX/XX/XXXX. I was born on XX/XX/XXXX. Somehow they have my birthdate as XX/XX/XXXX. I know I turned XXXX this year and all my records show that I am XXXX but they refuse to change it and my other creditors are giving me trouble over it too because they are accusing me of lying on my credit applications and I have had to mail them proof that I have not lied, The credit bureaus should not be allowed to change this type of information because your birthdate is something that never changes and they are bad for this. I am attaching a copy fo what I have sent them. I dont appreciate them ignoring this information and refusing this but this is not the first time that I have had trouble like this. They even have accounts on my file that show me as an authorized user that I have asked them to remove, by law they are not supposed to report negative information of an authorized user such as XXXX account but most importantly is getting my birthdate corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I sent a letter to letters of disbute to XXXX, XXXX XXXX and XXXX in regard to validation of a debt that was originally XXXX XXXX XXXX XXXX and assigned to AFNI, Inc. I send the letter on XX/XX/2018, I asked for that they proved the original contract that was signed in regard to this cell phone account to validate the debt. I have not received that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aaron Worldwide Collections Inc.
State: OH

Complaint narrative:
Aaron worldwide collection Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Claim # XXXX They have filed a collection to record on my personal credit report for a debt related to a business In which Iam a partner in. We dispute the amount owed. All invoices are in the name of the business. 
There has been no court action or jusdgement awarded to Aaron worldwide or  their client. 
We maintain that we will settle for the correct amount but they insist on a fabricated amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I contacted Equifax on XX/XX/2018 for your inquiry in case # XXXX and again today XX/XX/XXXX, case number is XXXX # XXXX. 

I have never lived at this location and want it removed from my credit report immediately. 

Former XXXX XXXX XXXX XXXX ARIZONA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Called company on XX/XX/2018, acknowledged my debt, and stated that I would make payments on my debt. At that time, the person said that I could settle for 60 %, and it would be marked as paid, settled for less on my credit report. I could also make those payments in 3 installments of XXXX over the next 3 months. I made the first payment that day. I called back on XX/XX/2018 and made the remaining 2 payments at once to finish my obligation. 

My credit report was updated to reflect the 3 payments - but it still lists a balance owed. 
I called the company on XX/XX/2018 to discuss the status of my credit reports and was told that the balance would remain until I paid it off. 

That is NOT my understanding of the word " Settled '' and marking my account as " Paid '' and I would like my credit report to indicate that I paid the negotiated amount and I no longer owe them any additional monies, based on the settlement agreement made on XX/XX/2018. I don't understand how I still owe money when we agreed to settle for less and I could take the derogatory mark that says " settled for less '' on my credit report. I would like to see the balance on my credit reports taken to XXXX ( XXXX ). I would also like to see the individual month notations for XXXX and XXXX to indicate something other than " failed to Pay '' or " FP '' because this is inaccurate too. I did pay those two months as I was instructed to do based on the phone call I had on XX/XX/XXXX.XX/XX/2018. Ideally, remove the entire tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX  at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... 
STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is 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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services XXXX XXXX XXXX, MI XXXX This company put a collection on my credit report without informing me that they had a collection against me. This company claims, incorrectly and fraudulently, that I owe for two accounts that I have never heard of before. 

Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$550.00} Original Creditor : XXXX XXXX  Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
THEY SENT NOTHING TO PROVE ANYTHING JUST A LETTER WITH A BALANCE! I RESPECTFULLY REQUEST XXXX INVESTIGATE THIS COMPANY AND IF YOU NEED TO HAVE THE INFO UPLOADED OF THE ONE PAGE THEY SENT I WILL BE HAPPY TO SEND OVER THEY SENT NOTHING TO PROVE THIS DEBT IS MINE NO SIGNATURES NO MEDICAL LABS NO DOC NOTES NO NOTHING I ASKED FOR THIS IN MY DEBT VALIDATION LETTER AND THEY SENT THE SAME 1 PAGE BALNCE WITH NOTHING ATTACH THIS DOES NOT PROVE THIS IS MY DEBT AND IT IS NOT MY DEBT!!! I WILL REPORT TO THE 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 2018-08-30 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: ERC
State: CA

Complaint narrative:
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC
State: HI

Complaint narrative:
A third party XXXX XXXX XXXX XXXX  called on behalf of debt allegedly owed to XXXX XXXX which is a pay day loan. They were very rude and threatening. I did reach out to XXXX XXXX but am not able to get any reliable information. I am hoping to receive accurate information from XXXX XXXX concerning any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
THIS COMPANY IS FRAUDULENT!!!! THEY CLAIM THIS IS PAST DUE DEBT. I CONTACTED THE COMPANY THEY CLAIM TO BE REPRESENTING " XXXX XXXX XXXX XXXX XXXX '' I SPOKE WITH A NICE PERSON NAMED XXXX, WHO LOOKED INTO THIS. SHE STATED, " THERE ARE ABSOLUTELY NO OPEN OR CLOSED ACCOUNTS, OR ACCOUNTS THAT SHOW PAYMENT IS DUE ANYWHERE IN THEIR SYSTEM FOR ME, PAST OR PRESENT!!!!! SHE ALSO STATED THAT IT DOES NOT SOUND RIGHT THAT THIS COMPANY WOULD STATE THAT THEY GAVE THEM THE DEBT WHEN THERE IS NO DEBT OWED TO THE HOSPITAL BECAUSE EVERYTHING WAS PAID OFF. THIS COMPANY PURCHASED ACCOUNTS THAT WERE ALREADY CLOSED, WHICH IS ILLEGAL. AND THEN PROCEEDED TO PUT THEM ON MY CREDIT REPORT. XXXX XXXX NEVER ONCE SENT ANYTHING TO ME IN THE MAIL, VIA EMAIL ; THEY ALSO NEVER ONCE CALLED ME TO ASK ABOUT THIS DEBT. I AM BEYOND XXXX OFF THAT THEY ARE ALLOWED TO XXXX UP SOMEONE'S CREDIT LIKE THIS. THIS COMPANY AFTER DOING RESEARCH IS INVOLVED IN NUMEROUS LAWSUITS FOR THE SAME PRACTICE THAT I AM GOING THROUGH. THERE ARE NUMEROUS COMPLAINTS FROM PEOPLE WHO ARE GOING THROUGH THE SAME SITUATION THAT I AM GOING THROUGH. I DO NOT KNOW HOW THEY ARE STILL IN BUSINESS. I AM IN THE PROCESS OF CONTACTING AN ATTORNEY TO BEGIN A LAWSUIT. I WAS IN THE PROCESS OF PURCHASING MY FIRST HOME, AND THIS COMPANY 'S FRAUDULENT ACTIVITY CAUSED ME TO BE DECLINED FOR THE HOME LOAN. THIS IS NOT THE FIRST TIME THIS COMPANY HAS DONE THIS. THEY HAVE BEEN ON MY REPORT BEFORE AND WHEN I REPORTED THEM AS FRAUD. THEY IMMEDIATELY REMOVED THE AMOUNTS. THEN A MONTH LATER THEY CHANGE THEIR NAME AROUND AND DROP MY SCORE. THEN I COMPLAIN AND THEY REMOVE IT. I AM SICK OF PLAYING WITH THIS FRAUDULENT COMPANY. SOMETHING SERIOUSLY NEEDS TO BE DONE. I WILL ALSO BE CONTACTING THE MEDIA ABOUT THIS COMPANY, BECAUSE THIS SCAM HAS TO STOP. WHEN YOU CONTACT THIS COMPANY THEY ATTEMPT TO USE BULLY TACTICS TO GET YOU TO PAY FOR SOMETHING YOU DO NOT OWE, BY SAYING THEY WILL PUT YOU IN PRISON, AND TAKE YOU TO COURT AND SUE YOU. WHEN I STATED THAT I CALLED THE COMPANY THEY CLAIMED TO BE " REPRESENTING '' THEY IMMEDIATELY GOT AN ATTITUDE AND SAID THE COMPANY WAS LYING, AND THAT I BETTER GIVE THEM MY CREDIT INFO OR I AM GOING TO JAIL. I SHUTTER TO IMAGINE HOW MANY ELDERLY OR YOUNG PEOPLE THEY HAVE SCAMMED. THIS NEEDS TO STOP NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. 
On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Why are they billing me XXXX when I already paid off the promotion on XX/XX/XXXX? 

I paid over {$400.00} for XXXX and only needed to pay XXXX why have they not adjusted my monthly payment as promised my monthly amount should be XXXX not XXXX as I already paid off a promotion.

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 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.

Company response to consumer: Closed with explanation