vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: GA

Complaint narrative:
This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I have student loans, NEVER once in any sort of default and always in good standing ( shown on my Credit Report history ) Always been on an IBR payment plan of {$0.00} per month or on forbearance ( i hav e a paper trail from  navient which i attached to this complaint -- the most recent forbearance approval ) I filed an ability to benefit discharge in  XX/XX/XXXX / XX/XX/XXXX  since i should not have been issued student loans since i had no  XXX/Diploma  at the time i enrolled in the school and was not tested per the rules, supposedly when i did this request, the guarantor ( ECMC ) paid off the loans immediately. ( which does not seem right? ... Why would you pay off loans before investigating my complaint/issue? ) The  XXXX  discharge request was denied by ECMC an d Dept of education a ppeal ( and ive asked for proof of the  XXXX  test they supposedly administered to me and it was never provided ), now all the sudden i 'm in default on my  XXXX  loans ... and  ECMC wont put  the loans back with Navient to go back to the good standing they were in. They want full payment and that 's my only option. its dropped my  credit score   XXXX  points now just after i got it up to over  XXXX .  <P/> Per the federal student loan website : i should have been sent monthly statements ( which hasnt been sent at  all )  and i can not be reported as defaulted until its over 270 days LATE.  <P/> My loans have never been late and have always been on a forbearance or IBR. ( i have a statement of a approved forbearance showing an end date of  X/X/18    )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TN

Complaint narrative:
Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ATG Credit, LLC
State: GA

Complaint narrative:
On  X/X/17   , I received a phone call from an  ATG Credit ( based  on whom was identified over the phone upon the call return ). I missed the call. I called the establishment to determine the purpose for the call. I spoke with an individual by the name of  XXXX . I provided my telephone number. I expressed to her my concerns that I have been scammed by people in the past and was not comfortable about providing my social security number over the phone and requested additional information to verify my identity other than my SSN and DOB. She was very belligerent and rude to me and left me feeling absolutely abused by her communication tactics. I tried to speak, she began to rant on and on and just hung up on me.  <P/> I attempted to resolve this by requesting to speak with a manager and she returned to the phone with the same hostile attitude, using very abusive tone, and again, hung up on me.  <P/> My concerns are valid given that I googled the number and it came up reported by others to be a scam, therefore I was not comfortable providing my information to a stranger, especially since they came off as disrespectful and condescending.  <P/> If it would be beneficial, I recorded all of the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: KY

Complaint narrative:
For years I had a Capital One credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account.  <P/> Subsequently, as I always did, I sent a month 's full payment on the full balance due.  Capital One  subsequently charged me a late fee and an interest charge.  <P/> I contacted their customer service, and was told that my account would be credited the late fee and the interest charge.  <P/> The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges.  <P/> Throughout this time I continued to timely pay my balance due in full each and every billing cycle, and as instructed by  Capital One 's cu stomer service I did not pay the interest charges that continued to show up on my account.  <P/> After months of being told b y Capital One 's custom er service that the interest charges would be credited to me and resolved in a future billing cycle,  Capital One 's same  customer service then said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months.  <P/> During that same call to  Capital One ' s  XXXX   XXXX   XXXX  customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled on the spot during that same call.  <P/> Despite the fact that at that time I had earned nearly  XXXX   XXXX  frequent flyer miles on my account, I flatly refused to comply with the threat made by  Capital One 's supervisor  during the afore-referenced call, and she summarily canceled my account.  <P/> Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon.  <P/> Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles.  <P/> For further details, please see my  XXXX   XXXX ,  2011 corre spondence sent to  XXXX   XXXX  of  Capital One,  which is enclosed with this complaint as a document attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: DISCOVER BANK
State: CA

Complaint narrative:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08 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: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Cavalry SPV I  LLC ( Attorney 's Firm :  XXXX ,  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However, Cavalry has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX  County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: CA

Complaint narrative:
I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing   XXXX   different reports to the credit bureaus.
  XXXX   XXXX   XXXX   XXXX   Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days two times Status Updated XX/XX/XXXX  Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , DE   XXXX   Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments -

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 2017-06-08 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: CA

Complaint narrative:
The account was opened without my consent. I want it removed immediately form my credit report. They are showing  XXXX  different reports to the credit bureaus.      XXXX   XXXX   XXXX   XXXX    Account Number  XXXX  Account Type Credit Card Terms Revolving Date Open ed  XX/XX/XXXX  Account Status Open Payment Status Paid Payment Status Details Current, was past due  30 da ys two times Status Updated  XX/XX/XXXX  Bala nce {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX   XXXX   XXXX   XXXX   XXXX  - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: NJ

Complaint narrative:
As of  XXXX    XXXX    XXXX   XXXX  reported a 30 day delinquency on my credit report, which decreased my credit score by  XXXX  points. The company alleged I was delinquent on the account and made several attempts to contact me however to date I have not received a letter or phone call. In learning of the delinquency I immediately paid the card in full, as the balance was less than {$100.00}. I was advised I would be contacted within 48 hours by a manager to further discuss the situation, that was on  XXXX   XXXX  and no one has contacted me.     Up until this point I have never been late with any credit obligations, car, mortgage, student loans, credit cards, my credit has been perfect.     But do to this  one  incident I feel  XXXX   XXXX  has ruined the good credit I have maintained for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The  XXXX  website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES  on  XXXX / XXXX / 2017  for the amount of {$870.00}. The original creditor of this collection is stated as, "  XXXX   XXXX    XXXX   XXXX   XXXX   ''. I have submitted a direct dispute on  XXXX / XXXX / 2017  through  XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On  XXXX / XXXX / 2017 ,  XXXX  said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Was a collection front tv cable, and we talk and we decided to pay i n 2 parts, I pay the first one and I give authorization to get the second pay on my car automatically.    I do n't know why is the complain. I pay for this  XXXX  account alrready.

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