vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature.

The company committing the fraud ( XXXX  ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL.

XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form.

According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card.

Yesterday the Discover Fraud Team ( XXXX  ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected.

Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected.

Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud.

I was only told this on the phone ... .I have not received any written statement explaining their position.

I have copies of all written communication.

My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I had a loan with XXXX XXXX XXXX XXXX ; in XX/XX/2015 I was unemployed and was struggling to make my mortgage payments. I found a job after 6 months of unemployment ( at which time my mortgage payments were made on time ). However, when I moved out of state I was going through the process to sell my home ; I contacted XXXX XXXX to let them know that I could not pay my mortgage on time and a rent payment in a different state and did not want to negatively impact my credit score. They told me that since it was an FHA loan that I would not have my credit score impacted by this since I was in the process of selling the house and they would be paid in full. They still reported late payments to the credit bureaus and even changed the locks on my house. After the sale was complete I contacted them about removing these derogatory remarks and they told me that it could not be done, even though a representative told me there would not be any impact. This is seriously hurting my credit worthiness years down the line and impacting my ability to be approved by work credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I contacted Commonwealth Financial regarding a collections account placed on my credit report. They stated they were collecting a debt for XXXX XXXX XXXX, for ambulance services. I informed them Ive never been in an ambulance in my life. They refused to provide any additional information regarding the erroneous collection. They simply said there was nothing I can do and I needed to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: GREAT LAKES
State: HI

Complaint narrative:
XXXX XXXX suppose to cover our loan payments when my husband a Veteran was XXXX. XXXX XXXX sent us a letter with the claim # - XXXX, benefit # - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX told us our loans were not covered but we had chosen coverage when we applied for security purposes in case something happens. See attached documents that was sent to us by an employee of XXXX showing we had chosen insurance coverage. Same with our loan documents where it's showing we had chosen the insurance coverage for our payments. When we brought up this issue, we inquired about the coverage, XXXX XXXX employee said my husband is not XXXX although we showed his medical condition was based upon determination from the military veterans affairs and his doctors. XXXX XXXX is liable to disclose eligibility of customers under insurance coverage and we ask XXXX XXXX to make payments accordingly to our loans that was never applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
XX/XX/XXXX RE : XXXX XXXX Account # XXXX, which XXXX illegally sold to Crown Asset Management / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) XXXX  debt collector, Crown Asset Management DBA XXXX, is unlawfully attempting to collect on a phantom debt which XXXX illegally sold to Crown Asset. XXXX is ultimately liable for the conduct of its agents. I ask that XXXX immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. Crown Asset Management filed lawsuit around XX/XX/XXXX but provided no validation of the debt showing why it claimed I owed any money to it.

XXXX illegally sold the debt to Crown Asset Management, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

Crown is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. XXXX and Crown Asset also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and Crown Asset refuse to give me a complete copy of my financial records and the entire file related to the account.

XXXX conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, XXXX should be held in contempt and sanctioned.

I informed XXXX and Crown Asset Management of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.

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 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX RE : Best Buy Account # XXXX, which Citi illegally sold to XXXX XXXX XXXX / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) Citis debt collector, XXXX XXXX XXXX DBA XXXX, is unlawfully attempting to collect on a phantom debt which Citi illegally sold to XXXX XXXX. Citi is ultimately liable for the conduct of its agents. I ask that Citi immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. XXXX XXXX XXXX filed lawsuit around XX/XX/2017 but provided no validation of the debt showing why it claimed I owed any money to it.

Citi illegally sold the debt to XXXX XXXX XXXX, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

XXXX is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. Citi and XXXX XXXX also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and XXXX XXXX refuse to give me a complete copy of my financial records and the entire file related to the account.

Citis conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, Citi should be held in contempt and sanctioned.

I informed Citi and XXXX XXXX XXXX of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.

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 2018-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I was made aware that my twin sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.

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 2018-09-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my XXXX  report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number 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 non-monetary relief
Consumer complaint received 2018-09-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX  XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number 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 2018-09-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I checked my credit reports on XX/XX/XXXX and found a negative account reporting on collections from a company called hunter warfield. I have never been contacted by this company and was never given notice of this debt owed to give me a chance to dispute it. However they have already reported it on my credit file. The Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which are enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) states that debt collections must provide written validation and verification of any debt attempted to collect. I am taken legal action to sue the collections company for violations the fair debt collections act by not contacting me directly to both verify and validate this supposed debt owed. I want proof that the apartment complex did not move a new tenant into the apartment before selling this incorrect debt to hunter warfield.

As of XX/XX/XXXX, the XXXX XXXX XXXX reported 397 closed Hunter Warfield complaints over the previous few decades, such as 120 closed HW complaints over the past 12 months. The XXXX provides HW with a B evaluation. Additionally, XXXX  lists 28 complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, two alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) lists 255 closed HW complaints for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank locked my accounts. I can not log in or access any of my accounts. This started because a friend of mine sent me money using Chase XXXX  XXXX ( about {$1200.00} ). My friend sent the money from her Chase account, to mine, and yet they locked my account because they could not verify her. She is currently on XXXX leave in XXXX and will not be back to the US for months. Chase told me they will not unlock my account until she comes to America to verify her account with them! I asked, how can you lock my account because of an issue with someone else 's account?! They could not provide any reason or explanation to me. This is a big problem for me since Chase has my checking account and money that pays for my bills and credit cards, and I can not access any of my funds or accounts for two days now. Chase also has control of my XXXX XXXX XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XX/XX/XXXX of 2010, my private student loans with Sallie Mae ( Serviced by Navient ) went into default due to me failing to make payments. Once I received notification, I immediately contacted Sallie Mae in order to try and repair the problem. I was told that if I paid 10 % of the loan balance, that I could be placed into a forgiveness program where I could make a minimum payment of {$140.00} for 24 months, my loan interest rate would be changed to 0 % and the loan would be forgiven after the 2 years of making timely payments. I immediately paid over {$2500.00} to Sallie Mae and then began making automatic payments each month.

After two years, the payments stopped being automatically deducted so I assumed that my loan had been forgiven as planned. However, I then began receiving phone calls that I was behind on my monthly payments because I did not call to renew my monthly payments. I explained that I was placed into a forgiveness program. Unfortunately, I was told that the forgiveness process was in place and I was to continue making payments until that process was completed.

Each month I contact Navient in order to get an update. It has now been 6 years and I have had to renew my automatic payment plan three times now just so that a loan on my credit that shows in default, shows payments being made each month.

Recently, the response changed from them waiting for the forgiveness process to take place to them having no record of it. They have offered to settle my loan for XXXX, however I refuse to take that deal as that was not what I originally agreed too. I have asked them to go back and check their call logs and their recorded lines but they state that they can not do that. At this rate, I will be paying on this loan until I am XXXX years old. Additionally, this is the only issue on my credit and there is nothing I can do about it since it is showing in default and I refuse to get a loan to pay this loan off when I was told this loan would be forgiven.

This is deceptive and wrong and I honestly dont know what to do in order to get this taken care of.

Company response to consumer: Closed with explanation