vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Systems, Inc.
State: CA

Complaint narrative:
I paid off this balance with this doctors office nearly 5 years ago. After paying off the whole balance, this item didn't appear on my CR for 4 YEARS?!?!?!. Since it appeared, I have been trying to get this removed. I did dispute this item with both XXXX and XXXX. They determined that the collection company 'American Collection Systems could NOT PROVIDE ANY PROOF THAT THIS DEBT WAS OWED by the individual ( me ) ' so they both removed it after they investigated.

Unfortunately i am STILL unable to get this removed from my XXXX   Credit Report for some reason even after disputing it multiple times with them. This fraudulent item is lowering my credit score by at least 75 points with XXXX.

The debt collections company wants me to prove I paid it off but, again, I paid it off 5 years ago and no longer have any records of those payments.

The entire bill was nearly three thousand dollars and it was paid in full in 2013. There is no logical reason why would I pay 90 % of the bill but not the rest. Also, why did no one attempt to collect on this debt for FOUR YEARS if I actually owed this?

I have asked this company ( at least 4 times now ) for ACTUAL proof that I owe this debt and all they provided was the doctors name and information. I need PROOF of the debt ( e.g. original bill amounts owed, all payments made, running balances, etc. ) otherwise I can't prove I paid it off and 'Amer Coll Sys ' can't prove I owe it either.

I researched this and, in California, where I live, the burden of proof is on the debt collection company to prove that this money is owed, not on the customer to PROVE it was paid. They are attempting to collect on FRAUDULENT debt but they refuse to take any responsibility about correcting their records.

I have attempted to resolve this with the Collection co. directly multiple times and with XXXX multiple times as well to no avail.

I want this fraudulent item removed from my XXXX credit report and for this collection company to never bother me again.

I PAY ALL MY BILLS on time, but I'm not a fool, and i don't pay debts that i don't owe or that I already paid.

Please get them to stop harassing me or get me REAL PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I paid off my credit debt with Capital One on XX/XX/XXXX. Two days later, after my payment had posted, they charged me {$40.00} in interest. My balance is {$0.00}. They are telling me it is interest on the balance before it was paid. My bill is due on the XX/XX/XXXX, I paid on the XX/XX/XXXXin full and the payment posted on the XX/XX/XXXX. If there were any other charges to be had, they should have posted before my bill due date. There should be no other charges to pay. I closed my account some months ago because they were unwilling to work with me on payments until I was able to pay the account off. They claimed, constantly, that I had payment options yet both times I called seeking options, their reps were anything but helpful and would only accept full payments which I had been unable to do. Well now they are paid off and it seems they are trying to swindle just a little bit more out of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
This account first showed as a collections account on my credit report.I never had any relationship and/or correspondence with this company prior to it showing up on my credit report and I have yet to receive anything from them. I disputed the account and now it is showing as " closed '' on my credit report. I have no contract with this company and I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX XXXX Card back in XX/XX/XXXX, I requested that the card be closed due to the interest being so high and to send me a final bill. I received a final bill in XX/XX/XXXX for {$900.00} I phone XXXX XXXX and spoke to XXXX  to let her know there was a discrepancy in the amount owed. In XX/XX/XXXX I made a pmt of {$75.00} money order XXXX  on XX/XX/XXXX a payment of {$75.00} was made conf # XXXX  it was then determined the correct balance owed was {$570.00} and I received a revised bill with the correct amount. On XX/XX/XXXXa payment of {$400.00} was made conf # XXXX on XX/XX/XXXX a final payment of {$170.00} was made conf # XXXX that would be the final payment. InXX/XX/XXXX I received a collection letter from XXXX XXXX XXXX for this account collecting {$900.00} I phoned them immediately to get this all corrected. I spoke to a XXXX  and he said he would verify the account and if it was an error he would have XXXX XXXX correct the account and fix my credit report. Late XX/XX/XXXX I received a letter from the collection agency and XXXX XXXX showing there was a XXXX balance and that my credit report would be corrected. As of today my credit report still has not been corrected and is still showing all these late payments and shows as a charge off. I am asking that the lates be removed and it reflects as a paid account and close at customer request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In lateXX/XX/XXXX I discovered numerous accounts and information existing on my personal credit reports that was not mine. I disputed the them with all three credit bureaus, and most of the erroneous information was corrected. However, one or two accounts remained. I then contacted the FTC on XX/XX/XXXX, and opened an identity theft case.

With their help, I was able to institute a recovery plan to correct the remaining fraudulent information and was successful at effectively working with XXXX, XXXX, as well as the creditors in question, all of whom have corrected these inaccuracies.

Having said that, Equifax, after receiving my identity theft report and corresponding documentation via Certified Mail on XX/XX/XXXX, have proven extremely difficult and unprofessional to work with, and apparently they have decided to thumb their noses at any Federal Laws pertaining to credit reporting or identity theft by refusing to remove the last remaining fraudulent account from my credit file, even after the original creditor conceded to it's illegitimacy, thus violating the removal within 4 business days, or the 30 day removal of inaccurate information known to be unverifiable and inaccurate, Federal Laws.

Additionally, it seems they have " updated '' this one remaining fraudulent account to now list XXXX XXXX as the original creditor, ( from the previous XXXX XXXX XXXX ), and also alter the reported original date of delinquency to XX/XX/XXXX, ( from the previous XX/XX/XXXX), presumably in an effort to further victimize me and my family by re-aging this account to stay on their reports longer.

Please ... any help the CFPB can be in these regards would be greatly appreciated.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.

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 monetary relief
Consumer complaint received 2018-03-27 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: MO

Complaint narrative:
About 3 years ago, I had a debt relief company " XXXX XXXX '', help me with some debt relief. Paid them a total of approx $ 10K. Everything went well. No issues. Everything seem to be taken care of.

About a month ago, a company called Crown Asset Management filed a lawsuit on me for some old debt that was " taken care of ''. ( suing me for some added up debt of approx $ 18k ) I wasn't notified by Crown Asset Management, only to be caught by surprise, a lawsuit. " XXXX XXXX  '' appears to be out of business as of sometime in XX/XX/XXXX so that is to no surprise.

My only action was to get an attorney on my behalf to help with this matter.

On top of everything, my attorney found some charges that I am being sued for that I believe were from identity theft. From the little information that we found record of, there was at least three transactions on XX/XX/XXXX in the amount of {$1500.00} that I believe someone stole my identity and used. Maybe even more before that.

There are two companies I wish to file complaints on, Crown Asset Management and XXXX XXXX.

They may even be connected together in this scam ... ... ..I don't know, but intend to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased an item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) online from a website ( XXXX ) on XX/XX/XXXX using my PayPal business debit card linked to my personal PayPal account. The order total was {$190.00}. The item was expected to ship promptly but when I still had not received the item a month later I reached out to the seller. The seller ( XXXX ) responded to me on XX/XX/XXXX. " XXXX  '' from their costumer service department told me he had looked into my order and was awaiting a response from their " fulfillment '' department in order to give me an updated expected delivery date. He said their " inventory systems '' were down for " a couple of weeks '' and consequently asked me to be patient and expect a potentially extended delay.

Since " XXXX XXXX '' response I have not heard further from the company. I took the claim that the order was being looked into at face value and assumed the item would arrive sooner or later. In the meantime I all but forgot about the order until today when I decided to look back into it. I found out that the website no longer exists, and the customer service email address has been deleted. I reached out to PayPal and was told they could not help me since the order had been placed on XX/XX/XXXX and was 12 days outside of their 180 day dispute window. A supervisor from PayPal 's dispute office suggested I submit my claim here.

A cursory review of claims about XXXX on the XXXX XXXX website seems to suggest that XXXX XXXX m.o. was to string customers along the same way they had done with me and to claim that a refund would be granted if the customer preferred to cancel the order, but apparently ( as per the many complaints on XXXX  ) they would not issue the refunds ( customers told " expect to see credit reflected on bank stamens within 5-7 business days '' or similar, but no credit would ever appear ) and the customers only received their money back when their credit card company overturned the transaction. It would seem that XXXX may have been an entirely fraudulent operation but since I was told to wait patiently and only now, 192 days ( 12 days past PayPal 's 180 day window ) do I see that the order will never be fulfilled, I am out of luck and unable to be helped by PayPal or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up recurring payments on my credit card for a monthly payment of {$50.00}. The payment did not go through on one month and I was assessed a late payment fee on my account. This was unfair because I should not be penalized for the bank 's failure to process my payment.

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 monetary relief
Consumer complaint received 2018-03-27 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: AZ

Complaint narrative:
I have three paid-in-full collection accounts still showing balances that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
I have not received a notice to dispute bill.

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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: WA

Complaint narrative:
I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.

I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.

They are also using a robo-calling device to call my cell phone. This is also illegal.

I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX in XXXX ca changed the locks on us at our apartment prior to the end of our lease. At the time we were mostly moved out because our lease was ending soon and we purchased a home. we contacted XXXX about the issue and notified them that we had mostly moved out and noticed they changed the locks. they denied changing the locks and a few days later forged a letter in our names stating that we had not moved out and let town for a family emergency but promised to pay through the end of the lease including any late and cleaning fees. We notified XXXX XXXX XXXX management company, XXXX regarding the matter and they refused to investigate as it appears to be a company practice of forging documents on behalf of tenants in their managed properties. nonetheless, XXXX sent us to collections and we disputed charges based upon fraud for them forging documents in our name. we agreed to accept liability for changes through XX/XX/XXXX, which is when they changed the locks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation