vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: IL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: AZ

Complaint narrative:
Americollect Inc was contacted and told that this is NOT my debt. They have a published debt on my credit report with a XXXX Hospital ( not even sure where that is located ) from XX/XX/2019. I have not been in Michigan for 2 years and I have great credit with this ONE derogatory and false publication. The item was disputed via XXXX and all they did is put a note on my credit that says " Consumer disputes this account information ''. My attorney advised to file this and state licensing complaint before filing a Federal lawsuit under the FCRA and FDCPA as this is clearly not my account. I was a victim of identity fraud in the past and they were told that but willfully and maliciously ignored it, attempting to fraudulently collect a balance not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XXXX XXXX i settled in court to pay off 3 outstanding credit card balances with Portfolio Recovery Systems located at XXXX XXXX XXXX, XXXX Virginia XXXX. XXXX ; XXXX ; & XXXX. The agreement to pay at settlement was {$25.00} per account per month until it was paid ( attached ). I HAVE NEVER RECEIVED A BILLING STATEMENT FROM THIS ENTITIY. I have kept track of every payment made to this establishment on my own. I paid off XXXX & XXXX. When I got to the last payment of the docket in question XXXX, on XX/XX/2019, I wrote on the payment that I beleived it was my last payment and if it was not to let me know ( also attached ). Portfolio RETURNED my LAST payment back on XX/XX/XXXX Informing me it was unacceptable along with a note to say that I need to pay the unsettled balance of the debt immediately. 

I WAS LITERALLY MAKING THE LAST PAYMENT ON THE settled DEBT FOR XXXX!! I have been paying this dept for 4 years religiously AND as consisently as I could without EVER receiving a billing statement!! 

I then sent in what I believed to be the last payment a SECOND TIME with an Written explaination. 

IT WAS RETURNED AGAIN because I flagged them that I beleived It was my last payment. Portfolio refused it a second time, and scruitized the account to find reason not to accept the last payment and close the account so they can file a judgement for the original unsettled balance. 

In my explaination to Portfolio, I asked them to provide me with my payment information, a general billing statement in detail, which I havent received in the four years I have been paying them on any settled account. 

THEY have not complied ( see attached ) The just returned my second payment threatening to imply a judgement on the full unsettled amount. 

I have had ZERO issues with payment up until this point and I have settled two previous accounts with this collection agency before the one in question IN GOOD FAITH. I have also, almost entirely payed the docket in question in full. 

This is shocking unethical behavior and a very slimey way to profit off someone who is struggling. 

Now that Portfolio returned my last payment check..not once, but twice the last payment is still outstanding which could give Portfolio the opportunity issue a judgement which at this point is SO UNFAIR as I was down to my last payment! 

I didn't pay four years of settled debt to get down to the LAST payment of the LAST debt settled in court and have this happen. People who dont pay deserve this treatment NOT PEOPLE WHO DO! 

This is a horrible injustice and a desperate tactic for a collection agency to get paid. The owner is a lawyer and is manipulating the system for profit. Something he could be disbarred for. 

Please assist me to clear this up. I would hate to have to take this to the bar association next. All supporting documentations are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was on my Capital One account and seen a credit card added for Walmart. It was being sent to XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a request to Rushmore Mortgage company to remove late payments that they had recorded and reported on my credit report during the year XXXX when my loan was transferred to them from another lender. My mortgage was being paid by the XXXX XXXX XXXX XXXX. Agency.  Payments were being paid electronically on time according to schedule. Somehow something went wrong with the way Rushmore was recording the data and it reported several late payments. The XXXX XXXX XXXX XXXX reached out to Rushmore several times in trying to rectify the problem but did not get any responses from them. When XXXX  did hear something after reporting Rushmore to the US Department of Treasury, Rushmore stated they were having staffing issues back then. Nevertheless, the reporting issue was never cleared up. I thought everything was good until recently I learned that those reporting errors was hurting my credit profile and ability to get fair credit. I then appeal to Rushmore to examine the records and remove the late payments recorded in error. Within approximately 24 to 36 hours I was told that the records were correct. I included the email dialogue I had with the XXXX representative attesting to the inaccuracy of the records as they were paying on time. 
I think Rushmore has been unfair in their investigation and that they should correct the records and remove those late payment recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
1 ) I APPLIED FOR A PRIVATE STUDENT LOAN AND APPROVED FOR A IN XXXX FOR {$7500.00}, AND XXXX FOR {$9500.00}, BOTH AT A VARIABLE RATE. AROUND XXXX, WE RECEIVED A STATEMENT STATING THAT THE ORIGINAL PRINCIPAL FOR LOAN # XXXX WAS {$11000.00}, AND XXXX {$8900.00}. CLEARLY THERE IS A DIFFERENCE. ( SEE ATTACHEMENTS ). 

2 ) AT THE TIME, I NOR MY MOTHER ( CO-SIGNER ) WERE AS KNOWLEDGEABLE ABOUT THE STUDENT LOAN PROCESS AS WE ARE NOW. AFTER DOING SOME RESEARCH I FOUND THAT I SHOULD HAVE BEEN GIVEN THE OPTION TO APPLY FOR A VARIABLE RATE, OR FIXED RATE. THE FIXED RATE WAS NEVER INITIATED DURING THE CONVERSATION. WELLS FARGO FAILED TO INFORM ME WHAT MY CHOICES WERE, WHICH WAS BENEFICIAL TO THEM, ALLOWING THEM TO MAKE A SUBSTANTIAL PROFIT FROM THESE LOANS. BOTH MY MOTHER AND I, HAVE BEEN MAKING PAYMENTS SINCE XXXX TIME FRAME UP TO XX/XX/XXXX. FROM MY CALCULATIONS, THOUSANDS OF DOLLARS HAVE BEEN PAID TOWARDS THE BALANCES. OVER AND ABOVE WHAT IS OWED WITH INTEREST. IT IS MY BELIEVE THAT WELLS FARGO ENGAGED IN UNETHICAL, AND FRAUDULENT BEHAVIOR IN AN ATTEMPT TO MAKE A PROFIT, WHICH THEY HAVE CERTAINLY DONE.

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 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
on XX/XX/2019 I made a deposit into my account and received a receipt showing me when my deposit will be made available on XX/XX/2019 no other legal verbiage was on the receipt that my deposit date would changed. I spoke to several representative and know seems to want to help or care to help. I have my receipts and all documentation to provide for further evidence.

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 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
This Complaint relates to a BaALANCE TRANSFER promotion from Barclays Bank USA through my Miles & More Master Card with Barclays Card. 
On XX/XX/XXXX, I called XXXX and spoke to XXXX. I stated that I wish to avail the % promotional offer, details as attach A. Ms. XXXX validated my credit card account with Barclays and I then proceeded to give her the details of the Receiving Bank where the funds of {$7000.00} should be  transferred to, the XXXX XXXX XXXX XXXX XXXX Elite Visa Card. 
On XX/XX/XXXX, Miles & More Mastercard was charged the Balance Transfer Amount of {$7000.00} plus the 3 % Transfer Fee of {$210.00}. 
On XX/XX/XXXX, I called Barclays and spoke to Ms. XXXX to query as to why the funds have not been credited to my XXXX  Visa card. She stated that Balance Transfers take about 7 to 10 business days to be credited to the Receiving Bank. I retorted that I " was not advised of such delay '' when I spoke to Ms. XXXX on XX/XX/XXXX. I explained that the reason that I took advantage of the Bank Transfer was to obviate the " high interest ( 11.4 % ) of XXXX. A substantial delay in crediting my XXXX credit card puts me on " double jeopardy '' in terms of paying the 3 % transfer fee upfront by Barclays and at the same time paying a " compounded interest of 11.4 % '' with XXXX. It DEFEATS the whole purpose of " taking advantage of a lower interest. 
I spoke to a Supervisor named XXXX ( ID # XXXX ) and requested a copy of the DISCLOSURE indicating the " 7-10 window to transfer funds ''. He stated that he COULD NOT provide me one. I requested him several times and he insisted that he could not provide me a Disclosure. After my insistence, he said that he could READ me the Disclosure but NOT one in WRITING!. I rejected his proposal. 
Both Ms. XXXX & Mr. XXXX denied my request to CANCEL the transaction because of this delay. 
To this writing ( XX/XX/XXXX ), these funds have not shown as credit to my XXXX Visa card, Please see attach B. 
Your assistance in having this issue be investigated and clarified is much appreciated. 
FYI, I am a senior  of XXXX years old on a fixed income who is responsible enough to meet my obligations.

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 2019-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is reporting a debt to a utility company. They list the dates in XXXX of XXXX for XXXX utility board. I haven't lived in XXXX since XXXX, therefore this date is inaccurate as I haven't lived there for 4 years. Furthermore, it was for an account tied to an apartment that I moved out of in XXXX of XXXX. XXXX utility board reported the account delinquent as of XX/XX/XXXX when the account was already out of my name. No one has provided any proof of the validity of the debt and I've asked for this to be removed as it is negatively affecting my credit and it isn't a valid debt.

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 2019-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I recently got a new phone number ( XXXX XXXX XXXX ), and since then I started to get at last 3-4 calls from ( XXXX ) XXXX XXXX Wells Fargo 's Online Customer Service every day. It seems that they are trying to collect a debt from the previous phone number owner. I called them today to explain that I never had any banking account and/or credit card with them, and I recently ( 2 weeks ago ) got this number. I asked them to stop calling and harassing me, but the problem seems to persist.

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 2019-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
I got behind on my payments. I spoke to them to try to get arraignments set to get caught back up. They were very rude not wanting to work with me. I went ahead and started sending in money to try to get it caught up and they refused my payment and sent it back to me. They have contacted me at work and I explained I was not allowed to have phone calls at work. Since I have asked them to stop calling me at work they still do. If I answer they hang up with out saying anything. If a co worker answers and they transfer them to me as soon as I answer they hang up. On one occasion I was on the phone and my co worker answered and explained I was on the other line and asked to take a message. They gave there name and number and that they were calling with Kentucky Housing Corp. Now my coworker is wondering why they are calling me here at work. It was very embarrassing. Not sure how to get this to stop or how to try to get caught up if they are refusing to accept any of my payments I have tried to send in. I dread every time my phone rings at work thinking that it will be them.

Company response to consumer: Closed with explanation