vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.

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 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio recovery associates or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 
I have copies of checks cashed by Portfolio recovery associates. I have filed complaints with the XXXX against them. And portfolio recovery associates representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all becau
se they put my payment on another account.

Portfolio recovery associates or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i
quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 

I have copies of checks cashed by XXXX XXXX XXXX. I have filed complaints with the XXXX against them. And XXXX XXXX XXXX representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all because they put my payment on another account.

XXXX XXXX XXXX or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.

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 2018-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My Mother, XXXX XXXX XXXX, a Resident & Senior Citizen of XXXX on a fixed income with a Grandson currently serving in the U.S. Military/XXXX  was defrauded by XXXX XXXX XXXX   XXXX XXXX ( XXXX ) into purchasing a 10 year lease for a XX/XX/XXXX XXXX XXXX priced at {$19000.00}, monthly payment = 1/3 of her income with NO opportunity to rescind/negotiate the offer or retrieve her XX/XX/XXXX XXXX XXXX back. She has repeatedly requested assistance and new terms from XXXX. She can not afford to pay a 10 year lease - payments in excess of {$200.00} payable to Wells Fargo Bank. We need your help to correct this matter and protect the unfair business and lending practices performed by XXXX XXXX XXXX XXXX XXXX. 


During her visit on XX/XX/XXXX, XXXX Sales Rep., XXXX XXXX besieged her with false sales pitches and treatment, required her to sign 50+ unread/unviewed docs, while XXXX took possession of her Kia without her knowledge. XXXX sold her a lease that will out-live her Life Expectancy, contains unachievable payment terms, and released her with a vehicle that she can not drive or fully operate. Upon further inspection of docs, we realized she was sold a Special Dealer Lease for High-Risk Groups akin to those used in faulty banking business practices/mortgage lending practices that led to the Great Recession of XX/XX/XXXX. 


My Mother who visibly suffers from XXXX XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She SHOULD HAVE NEVER BEEN SOLD the vehicle. Recently, she was hospitalized and further diagnosed with early signs of XXXX XXXX. 


The fact is she was coerced into purchasing a vehicle without XXXX verifying proof of income or employment or assessing her ability to sign 50+ with no further explanation of docs executed. XXXX  erred in judgement and applied cunning and crafty business practices to defraud an Elderly Person. XXXX should have never sold her a vehicle and recently just applied the Kill-Switch/Starter Interrupter leaving her XXXX and without transportation to hospitals and outpatient care services provided by the State of Nevada for her care and protection. 


My Mother, who is Elderly and Infirm on a fixed social security income was sold goods/services without Federal Consumer Financial Protections or State of Nevada Consumer Affairs protections. We need your help for an immediate resolution on this matter and to right-a-wrong! Thank-you for your immediate assistance. We hope to hear from you soon. 

XXXX, ( XXXX ) XXXX Son of XXXX XXXX XXXX XXXX XXXX XXXX Mobile ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2018-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax limited how many words and got time out several times, also asking for an account # so the Eqifax website will not let me make a complaint. 
This was the statement I wanted to write : Dear Equifax/XXXX  XXXX One of my bills from XX/XX/XXXX ( the XXXX XXXX person told me on the phone when I was paying ) was sent to collections but I did not get any statement billing me, I was not aware of the bill until I got an alert from my credit report on XX/XX/XXXX. If I would it know that I owe {$71.00} I would it pay it, as soonest I knew about I call XXXX XXXX XXXX and I paid the bill in full, but it already is hurting my credit score, is not my fault that the provider ( XXXX XXXX XXXX ) did not send me statement billing me. I have paid the bill {$71.00} from XXXX XXXX XXXX on XX/XX/XXXX, I am asking to remove the collection from my credit report since is not my fault the provider did not bill me. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX This is the email receipt from XXXX XXXX XXXX {$71.00} XX/XX/XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX Account Number : XXXX Auth Code : XXXX Dates of Service : - Authorization I agree to pay the above total amount according to the card issuer agreement. 

Copyright XXXX XXXX.All right reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
, XXXX XXXX give authorization to helpwithmybank to disputed on my behalf with XXXX XXXX   for unauthorised wire transfer on my bank account, wire transfer department tried to convinced me that I made this transaction unfortunately I denied that.After all my investigation I suspect XXXX XXXX XXXX maybe involved in that incident, his phone number is XXXX XXXX XXXX email XXXX so I demand all my refund of 1 transaction online has to returned to my account ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I received a written notification of a debt that I have nothing to do with.

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 2018-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX ( XXXX ) was told for 2 months we had different cable provider And to shut t this off and didn't letting The bill run up on XXXX XXXX I've told them I only used Ambulance service once it's billed twice each just less than 10 dollars each XXXX especially has been not willing to do much I want it Itimizsd bills or them to be removed they messed up double billing I'm sure priced are wrong also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These are not my accounts I want them remove off my report

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 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These are not my accounts I want them remove off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
I recently checked my credit report and discovered I had an Abstract of Judgement issued on XX/XX/XXXX filed by Attorney XXXX XXXX XXXX of Legal Recovery Law Offices , Inc. Filed in Superior court of XXXX XXXX county XXXX courthouse ( case # XXXX ). The plaintiff is listed as XXXX XXXX XXXX ( XXXX ) and I am listed as the defendant. The judgement was in the amount of {$4800.00} entered on XX/XX/XXXX. 
I had filed chapter XXXX bankruptcy XX/XX/XXXX. A notice of this filing was sent to both XXXX XXXX bankruptcy dept. and to Legal Recovery Law offices. The bankruptcy was discharged XX/XX/XXXX. The attorney ( XXXX XXXX ) filed this lien as being a secured debt therefore getting around the bankruptcy. This is an unethical filing which should have never been done. It was an unsecured credit card debt in which his business ( Legal Recovery Law Offices , Inc. ) was notified and listed as one of the debtors that had been notified of the chapter XXXX bankruptcy. 
According to my bankruptcy attorney this judgement should have never been filed due to the circumstances. I was also made aware that the attorney who filed this lienmotion had been sanctioned by the state bar several times around the time of this action for doing similar acts. 
I am requesting that this judgement against me be removed since it was done illegally.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had filed a complaint about fraudulent activity on my account with Chase bank and issued a alert after the following transactions caught my attention : XX/XX/XXXX {$33.00} XXXX XXXX XXXX online # XXXX XXXX IL dated XX/XX/XXXX XX/XX/XXXX {$170.00} XXXX XXXXXXXX XXXX XXXX.my pa dated XX/XX/XXXX these transactions alerted me to theft on my account going back nearly 1 year. Most of which i did not catch because the previous theft was kept relatively low, averaging about {$19.00} per transaction, which is roughly what i spent daily in fast food and other miscellaneous items. 

I stopped the activity and contacted my bank by phone. i also went to the bank in person. The money began to be placed back in my account and i believed they would investigate my complaint. Not a week later, they reversed the refunds and stuck me with the fraudulent charges. I called and they told me it was my fault and they could do nothing about it. I was further told that they would " investigate '' but they have not been more specific about what this will mean. All i know is that a bank which i have been with for over 10 years and with which i have never had a previous complaint has stuck me with debts which are not mine and punished me with this debt which has caused a serious financial hardship on me. I work XXXX jobs and have had neighbors buying me food and sharing food with me because of the recent fraud and the bank not protecting me from such activity, The amounts spent online which are not mine were also taken back. i need help with this matter as i have no confidence with chase to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX  ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX   AND WILL POSSIBLY SERVE JAIL TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX   account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.

Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX   account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.

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 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to Paypal that was outstanding. This debt was attempted to being collected by XXXX. At this time, I checked my Paypal account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to XXXX disputing the debt.

XXXX replied back on XX/XX/XXXX with a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from XXXX, there was given a " Paypal Inc. Account Number '' which I did not recognize. In fact, Paypal says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my Paypal account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my Paypal statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABR Recovery Services LLC.
State: FL

Complaint narrative:
Last year XXXX alerted me to a hit on my report. I contacted ABR Recovery Services LLC and they were unable to provide proof the debt was mine. I am a government cleared person and wanted this matter removed from my bureau ( XXXX  ). The agency personnel put in writing if I paid a reduced amount it would be removed. I paid. Not removed. I have email traffic that this debt was paid and was to be removed from the agency. The only thing that was done was the balance was XXXX out on the report. In XX/XX/XXXX of this year, ANOTHER ABR hit on my report. Original amount and company - a duplicate. I contacted XXXX  and challenged. Ever try to get anything done with XXXX? They told me to contact ABR Recovery. Needless to say, both accounts are still on my report. I emailed the agency and contacts I original dealt with and they replied they would remove both accounts. This has not been done. Neither dates on either of the ABR Recovery reports match, are even close, or have been deleted.

Company response to consumer: Closed with explanation