vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I received a threat to sue me from a debt collector named Express Recovery Inc. located in XXXX XXXX XXXX, UT.

The threat was over a utility bill that was past due to the gas company, then known as XXXX XXXX, now known as XXXX XXXX.

The trouble all started when I went online and closed my account due to moving to a new location. I was informed that a final bill would be sent via mail. When we moved onXX/XX/XXXX we had placed a change of address with the USPS. They said it would take about a week before the mail would be rerouted.

XXXX XXXX sent the final bill to the wrong address and we never received the final bill so naturally, it slipped my mind over time.

Then on XX/XX/XXXX I received a threat notice from Express Recovery Inc. claiming they were going to sue me if I didn't pay the debt. So I contacted XXXX XXXX  ( the gas company ) and paid them the negative balance of XXXX  which was owed. I explained the situation to them about not receiving the final bill and how it had slipped my mind.

After paying the debt directly to XXXX XXXX ( the gas company ) I called Express Recovery Inc. and told them that the debt to the gas company was paid. They transferred me immediately over to the law office of the guy who owns Express Recovery Inc. When the lady answered the phone she asks me if I was calling in to pay the balance owed which she claimed was XXXX. I said no I paid the {$200.00} directly to the gas company and I wasn't paying it twice. Then she said well, we are going to pursue the lawsuit then.

XXXX XXXX ( the gas company ) confirmed to me on XX/XX/XXXX, that they notified Express Recovery Inc. on XX/XX/XXXXthat the debt was no longer owed. The lawsuit was still filed against me on XX/XX/XXXX in the amount of {$350.00} and some change which still includes the original debt of {$200.00} according to the court when I spoke with them on XX/XX/XXXX.

Express Recovery Inc. and the owner whose name I will not mention here has committed fraud by filing a lawsuit on XX/XX/XXXX when they were notified directly by XXXX XXXX ( the gas company ) on XX/XX/XXXX that the debt was no longer owed.

This debt is also still on my credit report and both Express Recovery Inc. and the owner ( the lawyer ) have refused to have this removed off my credit report even though the original debt doesn't exist.

Express Recovery Inc. has committed fraud by filing a fictitious lawsuit to collect the original debt owed which no longer exist and at this point is also falsely reporting a collection and/or debt still owed that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly asked them to stop calling. Unfortunately they will not listen and keep asking me to make payments on something I do not owe. 

I understand these companies purchase debts from financial institutions and do not know the full story behind why the previous company never collected, simply it is illegal how they obtained a balance and therefore will never try to collect the debt themselves due to the banking industry being hit with multiple lawsuits for their schemes. 

I was too young at the time to understand exactly what they were doing and why it was wrong, but this is exactly why the CFPB came into existence to protect consumers from unlawful tactics and schemes. 

I am simply asking them to stop contacting me and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery bought a bad debt that was made by another individual to XXXX using my credentials. Tried to correct this with XXXX  to no avail and decided just will not pay the claim. Portfolio reps have been calling me after I repeatedly asked them to cease calling me to collect and they have made threats of all kinds. I am a XXXX   veteran with XXXX and live on very little money. I will not tolerate this much longer from these individuals.They have called consistantly from XX/XX/XXXX through XX/XX/2018 which is today on my cellular number. This has to stop NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: GA

Complaint narrative:
I took a look at my credit report and noticed several inquires as well as accounts and addresses that I did not authorized. I did notify my local police department upon checking my credit report, and have reached out to all credit bureaus about these accounts with not much success. This situation has caused me financial and emotional stress. I would like the fraudulent accounts removed from my credit profile immediately. Below I will list the fraudulent accounts found on my Experian account ACCOUNT : XXXX XXXX   BALANCED : {$800.00} ACCOUNT OPENDED:XX/XX/XXXXACCOUNT NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$6200.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$3800.00} ACCOUNT OPENED:XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4100.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED :XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$2400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  Fradulent Address : XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX  Fraudulent Inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Someone open accounts using my private information without authorization and cause a debtor status to be placed upon me without authorization or disclosure.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Fifth Third Bank debited my account an amount that was almost double what they were authorized to debit to pay for an insurance policy.

They asked me to provide proof of insurance coverage on XX/XX/XXXX and I submitted on XX/XX/XXXX that proof of coverage.

On XX/XX/XXXX I saw that the amount debited from my account was around {$950.00} whereas my monthly payment was around {$540.00}.

When I called in they said they had received the proof of coverage but that the loss payee was incorrectly listed as " XXXX XXXX XXXX XXXX ''. That is correct, the proof of coverage I provided had this clerical error on it. However, no one from the bank contacted me to inform me that the proof of coverage was defective. Instead, they purchased a new policy for me at a cost of {$3500.00} and began billing me for it.

I'm concerned about a few things in this situation.

First, I believe that Fifth Third may be in violation of the EFTA regulations regarding pre-authorized electronic funds transfers. Per 12 CFR 1005.10 ( d ), " When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer. '' I never received any notice about the roughly {$400.00} increase in my monthly payment.

Secondly, the bank 's failure to notify me of the fact that they deemed my proof of coverage defective seems convenient. I haven't done legal research to determine what statute or regulation this runs afoul of, but this particular practice seems like a fraud. When I bought the policy from XXXX XXXX, I believe it is XXXX XXXX 's practice to notify the lienholder of the existence of the policy. I don't know yet whether XXXX XXXX  did that. But, I provided Fifth Third with proof of coverage, like they asked for, and they did not seek to contact me or XXXX XXXX after determining the coverage had a clerical error on it. This is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
XXXX XXXX XXXX VS XXXX XXXX DEBT CARD XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I lost my card. Tried to report it that night but couldn't get through to bank due to high volume of calls. on XX/XX/XXXX called cancelled card reported it lost and was told charges were pending to call back in two days to dispute charges which I did. Received paperwork four days later with the XX/XX/XXXX being deadline. I returned packet with a police report filed and notarized. was told by post office packet would be received by the XX/XX/XXXX at the latest. the bank claimed not to received it till the XX/XX/XXXX. I called several times for reimbursement on unauthorized charges and was told I had to wait on pending investigation. on XX/XX/XXXX I received letter from bank stating they had conflicting information and could not confirm fraud and for me to report it to police and work with merchant. I then tried to get paper work on this decision and was giving a phone number to call for XXXX XXXX at Fraud dept. This number is a voice mail only number. My card was found and used for a total amount of {$400.00}. I have done everything by the book. This bank did not honor the liability policy and as far as I'm concerned called me a thief and liar. Upon researching the bank I discovered this is the banks common treatment to costumers disputes. The US Dept of Treasury contracted with this bank for goverment payments to provide extra protection for its clients. People were able to use the card with no problems, where is the protection. I am a representative payee for my son whom lives on the SSI payment of {$750.00} a month. I accept responsibility for losing the card. However it is not right to just accept a XXXX loss due to unauthorized transaction that I'm sure there is video tape of. My pin was not used and we should not be held liable. In order for this matter to be resolved with out my filing of court I would like to see the bank follow policy with respect to federally insured money, consumer protection act and replace the funds back to the card. the dispute claim number with the bank is XXXX. the XXXX police report number is XXXX. I would also like to see the US Dept of Treasury and Fiscal service review this banks treatment of clients and considered a new contract with a more reputably bank. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly asked them to stop calling. Unfortunately they will not listen and keep asking me to make payments on something I do not owe. 

I understand these companies purchase debts from financial institutions and do not know the full story behind why the previous company never collected, simply it is illegal how they obtained a balance and therefore will never try to collect the debt themselves due to the banking industry being hit with multiple lawsuits for their schemes. 

I was too young at the time to understand exactly what they were doing and why it was wrong, but this is exactly why the CFPB came into existence to protect consumers from unlawful tactics and schemes. 

I am simply asking them to stop contacting me and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started a banking relationship with Chase bank, I made a couple purchases on the card and paid back account in full. My accounts were closed within the first couple months. The reason I made such large purchases was to meet the spending bonus that they offered within the first three months. I opened separate business accounts for my business and never even made a purchase before the accounts were closed. I feel that this decision was unfair and unjust. Please open my accounts asap. I have perfect payment history on all my credit. The last four numbers of the accounts are listed below. 

Thank you, XXXX XXXX Chase Account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I just received Mr. Cooper correspondence that our modification was rejected base on a call that we rejected the modification. This is not what happen. This was not the purpose of our complaints, the purpose was to recognize our loan modification did not take into account any of the circumstances that exist. Such as income, post-bankruptcy, and our resident is located in an area that suffered a disaster of epic proportions. We were also told if we rejected the modification this should be in writing. There is not any evidence that we rejected this modification, but disagreed with the terms and request explanation over and over again. Explanations were given through CFPB, after complaints were submitted, questions were answered and the interest rate was explained after communicating our concerns through a third party housing counselor. I am not certain why would Mr. Cooper " pull '' calls to support we rejected the modification. Did Mr. Cooper received a rejection in writing from homeowners? Why not read the complaints? Why not use the rejection letter we were told to send in? There is not a rejection letter that exists. Maybe that is the reason the person from Nation Star called suddenly to rudely say to me there will not be any negotiation ; and " I will accept or reject ''. Was this a strategy of Nation Star? This act seems to be deliberate and we would like to ask for an explanation. We are attempting to seek legal recourse in response to a Nation Star representative caused us financial harm. Afterwards Mr. Cooper is now requesting both XXXX and XXXX payments in order to complete the modification. The modification was base on completing the trials payments and in the midst of requesting help and explanations before we sign and execute documents NO ONE at Nation Star offered to assist with the wording, by the time and third party explain this modification from the first page to the last page it was already XXXX. The modification was then rejected by the notes of a representative and we called and spoke to someone about what happened, and we never rejected but did COMPLAIN, now its XXXX. We are being asked to pay {$2500.00} right now to move the modification forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX has incorrectly reported on my credit report for a collection of {$230.00}. My balance was paid through XXXX and XXXX XXXX has incorrectly reported a collection report on my credit report. I would like XXXX XXXX to immediately remove it's report upon my credit report to all 3 credit bureaus. Thank you.

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. 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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
To whom it may concern, I had a late payment at Kohls in XX/XX/2017, they took away the late fee but I have called several times and they give me the run around and say they cant change it! It is my only late payment and the reason was because I moved and changed jobs. So I never got the bill or the email. I am a very responsible person and the bill was like XXXX When they finally reached me by phone it was to late. I am very frustrated and will not shop at kohls anymore. There must be something I can do. I was also given a credit bureau address from the corporate office at Kohls I wrote them but not sure what information I should have sent but it has been a couple months with no change on my credit report. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I applied for a Delta Airlines American Express card and was automatically denied within 3 minutes of the submitting the application. I contacted American Express, as i already have an open account with them and requested that they manually review my application and offered to provide additional information.

Since then nothing has occurred and I do not believe that they manually reviewed my application. I filed bankruptcy 5 years ago ; since then I have had maintained over 10 credit accounts in good standing with no late payments. In addition, I already have an account with XXXX. I think it is appalling that they would not even allow me to submit additional information on my income and eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX PUT A CHARGE ON MY CAPITAL ONE CARD. {$1000.00} I SEND THEM A FAX AND LETTER TELLING THEM NOT TO DO SO IN ADVANCE NO TO DO SO. 

IT IS NOT A AUTHORIZED CHARGE. CAPONE NOT COOPERATIVE RUDE LONG WAIT TIMES I WANT THIS CHARGE REVERSED ASAP FOR {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Asking for documents bearing my signature.

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I never received written notice for the account in dispute, when I received a copy of my credit report I called Diversified and paid the account immediately XX/XX/2018 ( settlement offer {$400.00} ). The credit is still reporting a balance on my credit after I was told the account would be settled for less with a XXXX balance.

Company response to consumer: Closed with non-monetary relief