vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: VA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX Credit Card. 

I never received the Credit Card. 

On XX/XX/XXXX I received a call from XXXX that i had an amount not paid in a XXXX credit Card. for US {$58.00}. I informed them I never received any Credit Card and I didnt have any amount pending to Pay. 

On XX/XX/XXXX my XXXX-XXXX XXXX XXXX XXXX informed that an EQUIFAX CREDIT REPORT has shoing an unpaid amount to XXXX  for US {$140.00} in a XXXX Credit Card I called XXXX and explained the issue that I never received The Credit Card that I applied for. They verified in their records that the credit card was Sent to a rong address and a fraudulent amount for US {$58.00} as charged. They fixed the issue. 
However the Equifax credit report still shos and XXXX unpaid amount. of US {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MI

Complaint narrative:
On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me.

The reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company. 

This violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options.

Additionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.

They are in clear violation of the FDCPA and HIPAA.

I am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX  and XXXX  now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. 

In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: OH

Complaint narrative:
Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The Dispute That I have with Select Portfolio Servicing, Inc. ( SPS ), is that as the servicing Mortgage Company they have yet to provide me with Written Proof ( Copy of Title Deed, Sale or Property Transfer ), of the Property at XXXX XXXX XXXX, XXXX, GA XXXX ; SPS Account Number : XXXX. SPS disclosed the Name of a Bank to me in a letter dated XX/XX/XXXX, yet the XXXX XXXX County Tax Records, and the XXXX County Tax Assessors Office, records reflect as of today, XX/XX/XXXX, Parcel Number : XXXX XXXX XXXX, lists that property in my name with a " Fair Market Value '', of {$95000.00}. 

SPS has sent me more than thirty ( 30 ) letters since XX/XX/XXXX, first stating that they are/will be the Mortgage Servicing Company, and beginning XX/XX/XXXX, that I can/should began making Mortgage Payments to them instead of XXXX XXXX? 

I believe that the Law allows me to question a Creditor/Debt Collector, as to the Validity of any Debt? The home in question was transferred to XXXX XXXX  on XX/XX/XXXX, by participating in an On-Site Appraisal, arranged by XXXX XXXX, and after Joint Photos/Pictures were taken, the Keys were taken by the XXXX XXXX   Appraiser, and the Locks were changed, afterwards XXXX XXXX issued me an IRS Transfer/Abandonment XXXX Form, which has also been provided to SPS. 

SPS is fully aware that I am under Federal Bankruptcy Protection, and am not personally liable for the property, additionally, the Property Transfer back to XXXX XXXX is documented by the XXXX. SPS is outright attempting to intimidate me into making Mortgage Payments, which I believe to be in violation of the Law, therefore, I contacted the Bankruptcy Attorney that handled the bankruptcy and asked SPS to contact him, which they have not done. 

SPS 's latest attempt to punish me, came on yesterday, XX/XX/XXXX, when I was contacted by Text and Phone Call from XXXX XXXX XXXX in XXXX, GA. 

I contacted the Office of the Comptroller of the Currency, and received a letter from them dated, XX/XX/XXXX, and they told me to Submit a Complaint to CFPB, as you have jurisdiction for these matters, and to also contact the Georgia Department of Banking and Finance for assistance. 

I contacted the Georgia Department of Banking and Finance, and was told that the only way that they could/will assist is if my Complaint is referred from the CFPB to them. 

Can you please forward my Complaint to the Georgia Department of Banking and Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: PR

Complaint narrative:
Transunion sent to the XXXX a letter responding my complaint that I have requested on 13 occasions validation, verification a/o any document bearing my signature and showing that I have a legally binding or contractual obligation for more than one year without any paperwork that proof the accuracy of that information. In a year in a year they could not send me a single document bearing my a sign An employees looking at their screen seeing my name listed in their database is not a valid verification of any alleged debt. 

Under section 611 ( A ) of the FERA Transunion is required to promptly delete all information with which can not be verified according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). 

Transunion require by Federal Law to verify- through the physical verification of the original signed consumer contracting and all accounts you post on a credit report, otherwise anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I request the removal of the account disputed because on 13 occasions youve been unable to provide me through physical verification a copy of the contract as a proof under the FCRA. That action had hurt my ability to obtain credit. 

XXXX XXXX  XXXX XXXX XXXX  XXXX See copy from Transunion answering a complain to the XXXX  They failed 13 to gave me proof of any documentations regarding this accounts XXXX and XXXX REGARDS, 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 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. 

Their mobile app is not affected. 

I am a veteran. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Multiple Hard Inquiries on my TransUnion Report I did not request or Authorize.

XXXX XXXX - XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX- XX/XX/XXXX/XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX- Also one on XX/XX/XXXX that I did Authorize XXXX-XX/XX/XXXX XXXX- XX/XX/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 2018-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: KY

Complaint narrative:
Reliant Capital Solutions LLC contacted me to collect a debt in XXXX of XXXX, gave me the impression they were handling the collections for the Department of Education. Company said that if I set up payment it would keep my loans from being in default and my tax return from being offset. I set up payments in the amount of {$50.00} a month and have been paying ever since. I received a notification offset from the IRS and called to inquire. The IRS informed me no payments had been reported. I called Reliant Capital Solutions on XX/XX/XXXX to inquire and they stated that they do not report to the IRS or the major credit bureaus, and that if I stopped payment they would report it to the IRS as bad debt and file suit. I set up legitimate payments with another company in XXXX of XXXX, who states they have the full amount of my student loan debt. I'm worried I've been paying Reliant Capital Solutions and the money has not been applied to my ballance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.

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 2018-03-15 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: GA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX, stating that an inquiry was made on my Equifax Credit Report by XXXX XXXX. This inquiry was authorized without my verbal, written or implied permission or consent. 

On XX/XX/XXXX I received a bill from XXXX XXXX with my full name and address for Account number XXXX, XXXX number XXXX, phone XXXX for the amount of {$120.00}. This account was never opened by me. I am a victim of fraud and identity theft. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX and XXXX, but to no avail, as I was on for many hours and then the call dropped, after calling again each time it stated all circuits are busy. 

On XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX. XXXX XX/XX/XXXX, stating that, " While we appreciate your interest, unfortunately we are unable to approve your request. Your request was carefully considered and we made our decision for the following reasons : We were unable to verity your identity. '' Someone has accessed my personal information without my permission or consent and has attempted to open an account with XXXX XXXX. Application number : XXXX, in which I received a letter from XXXX stating that credit was denied. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX, XXXX, email address : XXXX stating that, " Your password has been XXXX due to multiple use of incorrect login details. '' " For your security, we have XXXX your Online banking. '' This is also fraud and identity theft, as I made no attempts to access my online XXXX XXXX  account. 

On XX/XX/XXXX I received a letter from XXXX XXXX, P O Box XXXX, XXXX, Oregon XXXX, stating that on XX/XX/XXXX, they confirmed that an unauthorized intrusion into their computer system was made, resulting in the theft of my personal information. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 

In additon, I believe that I was a victim of identity theft and fraud due to the Equifax computer system breach or sale of information in XXXX. This issue is unresolved and has not been addressed by Equifax Credit Bureau and has left me vulnerable to future fraud, identity theft, criminal acts, etc. 
This fraud and identity theft has resulted in my Equifax Credit Score being lowered and is not only causing me financial stress and fear but is also causing me much fear for my life because someone has my full address and may decide to do physical to me and my love ones. 

I am unaware of how to resolve this issue of fraud and identity theft. I am stressed and living with great fear. I need your help in resolving this issue of multiple fraud, identity left, lowered credit scores, and attempts to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.

Company response to consumer: Closed with explanation