vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 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:
I disputed the XXXX collection account as not being mine. Both Equifax and XXXX has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
OnXX/XX/XXXX, I sent ( Certified Mail ) Debt Validation letter to XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX asking for verification of the account listed on my credit report. As of today XX/XX/XXXX I have not heard anything from this collection agency.

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 2018-05-09 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: WA

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED. XXXX XXXX XXXX, XXXX is reporting a collection account to all XXXX of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have never received any correspondence from XXXX XXXX XXXX, XXXX. I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family as we were recovering from medical issues and the aftermath of Hurricane Irma. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). 

I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. 

PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. 

THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.

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 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
Xoom.com would not send my money to friend without me sending them my bank statement and a copy of my license. This would be normal, however they wanted it through unsecure email. Also, I was using my XXXX account ( already verified with XXXX ) to send the money so it raised all kinds of flags as their website says Xoom, a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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:
I disputed the XXXX collection account as not being mine. Both XXXX and Transunion has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.

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 2018-05-09 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: AZ

Complaint narrative:
I am a victim of identity theft. The following collection account and hard inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine, and dont belong to me : XXXX XXXX XXXX XXXX XX/XX/2018and XXXX XX/XX/2018. I filed a police report with the XXXX  County Sheriff s Office in regards to the fraudulent collection account and 2 hard inquiries. The police report case number is : XXXX. I been receiving harassing and threatening phone calls of profane language, threats of arrest and prison. XXXX XXXX is in total violation of The Fair Debt Collection Practices Act ( DCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I never bounced a check or had insufficient funds. I do all my banking and bill pay on line. I tried to transfer funds from my savings account to checking to pay a bill. I could not do it. So I went to the bank and they told me my account was closed, they called corporate and could not get a reason why they closed the account. I did not like the answer so I closed all my accounts with the bank. I opened a new bank account with a new bank. This happened on XX/XX/XXXXand it has been difficult for me to pay my bills on time. My wife and I are extremely disappointed with Chase Bank and will never do any Business with them.

I have been with Chase for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I received a cashier 's check to perform a XXXX XXXX survey. The survey included buying 2 money orders in the amount of {$1000.00} each and XXXX   gift cards for the total amount of {$500.00}. I subsequently found out that the cashier 's check was a fraud and my bank deducted the amount from my bank account.

I contacted Moneygram immediately after and was instructed to email the claim forms and requested a 48-hour expedited processing of the claim. I sent the email on XX/XX/XXXX. At that time, Moneygram indicated that someone did try to claim the money orders and it was under review. I was told to wait 2 days before confirming that the email was received. I informed Moneygram that the person trying to cash it is a fraud, but Moneygram indicated that they can not place a note about the fraud. Called Moneygram on XX/XX/XXXXand XX/XX/XXXX and was told to check again later. Resent the email with claim forms on XX/XX/XXXXand also sent a fax.

Contacted Moneygram today,XX/XX/XXXX, and was told that the money orders were cashed on XX/XX/XXXX Moneygram will not explain why they only received the faxed claim, and not the email. They are not explaining why they never got the email sent to the email address they provided. They cashed the money orders despite having been informed that it was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Bureau, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report.

I lived at XXXX XXXX  back in XX/XX/XXXX. When I got ready to move I spoke with XXXX  the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent.

This was verbal agreement that XXXX the apartment manager gave me.

After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX  who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place.

I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment.

Before I agreed to pay the collection, I phoned Merchants Credit Bureau, I believe I spoke with XXXX XXXX I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years.

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me.

Please review this matter, I look forward to hearing from someone hopefully with good news.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My daughter is a XXXX XXXX XXXX XXXX and has a XXXX XXXX Student Loan. I was under the impression that while she remained a XXXX XXXX XXXX  the loan would gain interest but did not have to be paid back until after she XXXX. I was also under the impression that any and all payments made while she was still a XXXX XXXX XXXX were optional.

I made several interest only payments but did not do so in XX/XX/2017 which resulted in a negative report on my credit report ( 60 days late ).

I disputed this with experian and was denied. I contacted XXXX XXXX  and was told that interest only payments were still required during the time my daughter was still a XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Back in XXXX / XXXX of 2017, my sibling downloaded a virus without my knowledge and the person who made the virus was stealing all of my information without my knowledge. They used {$3300.00} for XXXX which while I was doing my research since this isnt the only card that it has happened too they use it to get money off of either credit cards or any type of cards without any problems. They had / have all my pictures including me with my ID and other pictures relating to that since I did use it for a job with validation also had my social security number etc. by the time I noticed the charges on my account I disputed through XXXX / XXXX   since I was an authorized user on the card they just removed me off of their without asking my parent. They have still to refund the money that was fraudulently used. My mom has been a card member for almost 10 years and never had a problem and this is what we get in return. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: Strategic Alliances, Inc.
State: TX

Complaint narrative:
Step 1 : What is this complaint about?

Attempt to collect bogus charges that were not in my Doctors ' agreement. I have attached the formal letter that went to all patients from my Doctor.

Step 2 : What type of problem are you having?

Attempt to collect bogus monies ( {$1200.00} ) for XXXX XXXX ; a company now in bankruptcy. During a call with the collector, I was told that if I don't make payments, they will need to report our debt to one of the three major agencies. I have NEVER seen a bill for these charges, and if I had, I definitely would have addressed it swiftly. I have worked too hard to obtain my FICO score of XXXX. Also, my Doctor sent formal letters to all of her patients informing us of the bad faith practices of XXXX, and that these charges are at no fault to Doctor or their patients. 

Step 3 : What happened?

When I spoke to XXXX XXXX XXXX via telephone, I told them that I would not be making any payments until they send me a Validation Notice to Prove the Debt. As of this date, I have not received that document. However, now that I have been notified by my Doctor, I seriously will not pay the bill due to their underhanded collection practices. 

Step 4 : What company is this complaint about? 

Original Debtor : XXXX XXXX. Company attempting to collect payment : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX  , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX   and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX and qualified for XXXX loan forgiveness. In XX/XX/2017I submitted my loan verification form to navient. They did not fill out the form correctly. They did not put the right amount I owed on my student loan. I was told by XXXX to have them fill out the paperwork again and resend. In the last 10 months I have called monthly and sometimes even every two weeks to get them to fill out the paper work. They have told me it was resent when I call XXXX they have not received. Ive asked for it to be sent to me multiple times. After ten months they finally sent me the paperwork but it was not filled out. I am having to fax the documents to them again to try and get them to put the correct balance. Meanwhile my loan would have been paid off last year by XXXX but since the did not fill out correctly I still have a balance and they are collecting interest daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: MD

Complaint narrative:
I started the process with Homeside Financial back on XX/XX/XXXX, the Loan Officer ( XXXX XXXX ) sent me the pre-approval letter on XX/XX/XXXX. My agent put my house on the market and we accept an offer on XX/XX/XXXXand on the same day we put an offer to get a new house which was accepted by the seller, I reached my loan officer and he renewed my pre-approval letter and I sent him all the documentation that he requested, bank statements, ratified contract, preliminary CD for my current property. I filled the application within 5 days. The loan officer sent me the credit card authorization form to order the appraisal and couple of days later he sent me an email saying that the appraisal came back good. We asked him if we would be able to close for my new house on XX/XX/XXXXand he said YES, everything is good, they were waiting for the Title Company to transfer the funds of my current property so I would have the money the day of my closing. I sent him emails, text messages and called my Loan officer many times during the following 2 weeks and he sent me a text message saying that he went out of the country but that everything was good to close on the scheduled date.

The settlement of my current property was scheduled for XX/XX/XXXX( one week earlier than my closing to have enough time for the funds to be transfer ) On XX/XX/XXXX, I sent him an email saying that I haven't heard back from him and that I wanted to know if everything was fine. He got back to me saying that the underwriter just found out that my husband pays child support ( that information was on my husband 's paystubs ) he's been paying it sinceXX/XX/XXXX, so I sent him the Child Support order and called my loan officer 's manager, who told me that I need to refinance my car immediately to lower my debt radio ( all this less than 24 hours before the settlement ) I called XXXX and they were able to approve my refinancing in one hour, I contacted Homeside Management again but they said that was now enough and that unfortunately the transaction couldn't be approved.

For all those reasons, I wasn't able to settle my current property and I breached the contract, now they don't want to reimburse me for the {$1000.00} that I put down when I signed the contract and the buyer of my current property is upset because they were ready for the settlement and the night before we had to cancel.

OnXX/XX/XXXX I requested to Homeside to Transfer my loan to a new lender and one week later I'm still waiting for that to happen.

Today we contacted Homeside again and the Manager said he's going out of town, so I still haven't been able to settle neither for my current property or the new one.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation