vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by 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 monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hello my I recently got approved by Chase Sapphire preferred Thursday XX/XX/XXXX I was instantly approved for XXXX credit limit I was in the process of moving and called them that same night to update my new address I 'm moving to, to have my card sent there I passed all the verifications and I got the rush delivery so my card arrived Monday XX/XX/XXXX once I got my card I called to activate it and was sent to the fraud department I passed the identificafion verification and my account was off hold and my card was activated by the specialist who also told me I would n't have to worry about any issues or my account being on hold again so today XX/XX/XXXX I tried to use my card at the ATM and was declined I called chase again and they said my account was on hold again I passed the  verification process once again and they said they could n't access my account but gave me a number to call XXXX I called it and she said my account was under periodic credit review I did nothing to trigger it and I verified who I was now I can not use my card that I was approved for and was told to wait 7-10 business days till they pull my reports and I have been trying to build my credit so on the day of XX/XX/XXXX I got approved for an XXXX card for XXXX credit limit and a XXXX XXXX visa for XXXX and 2 other inquiries that day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: IN

Complaint narrative:
I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a secured card with Capital One. When I downloaded their app and made a password and username, my ex girlfriends account was on the app as a payer, who was not authorized. A representative for them said it was a computer error, because we had joint accounts in the past. As of today, I 'm being charged interest and late fees, contrary to what I was told. My attorney advised me to try to work something out, to no avail. My credit report is getting worse because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BB&T CORPORATION
State: IL

Complaint narrative:
I obtained a loan with XXXX XXXX XXXX XXXX for a vehicle that has now since been totaled. After the vehicle was totaled I was left with a balance. I have been paying on the balance until recently I have experienced a loss of hours at work. I acknowledge the fact that a balance is owed. Roughly {$810.00}. Since XXXX 2017, At least 5 days a week I begin receiving call from this company starting at XXXX XXXX. and at least 10+ calls a day from them. The constant calling still has not produced extra hours nor generated income to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I went to a dentist and was offered the Care Credit Card I did n't know about a 6 month promotion or that the card had security on it that was {$50.00} per month. I made my usual requested payment and the balance got higher and higher along with the monthly payment. I have called them on several occasions closed the account had the card security taken off. All I can afford to pay is {$25.00} per month only for the services I received I explained this too them. I get call after call letter after letter.I stay on hold for hours and nothing is resolved. I will pay for the services I charged but not for the other interest and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received notice from an employer that I work temporary for from time to time ; pertaining information from XXXX XXXX, MacDowell * Associates , Ltd., XXXX, Georgia, about Garnishment of wages. When at this time, I am not even working for the company. MacDowell & Associates is claiming I owe XXXX XXXX XXXX, for payment after returning a lease, for what I have no idea because I never received a bill from XXXX XXXX XXXX after the lease obligation was fulfilled without any debt owed. The lease was purchased in the State of South Carolina from a XXXX dealer ; it was a 3 year lease from XX/XX/XXXX to XX/XX/XXXX ; in XX/XX/XXXX the vehicle was return, and I thought that was the end of it. After, almost 2 decades ( seventeen years ), MacDowell & Associates is still harassing me at whatever employment opportunity I get. Last year, they filed a complaint with another employer that I had a temporary job with. The continuous harassment and defamation of my character over what they claim is a debt from XX/XX/XXXX is unfair, I contacted them and told them to stop harassing me over this untrue debt. They are quoting the principal amount for {$1400.00} and total amount due {$5300.00}. I never received a bill for anything in XX/XX/XXXXfor XXXX XXXX XXXX saying I owe for anything after the lease was fulfilled. MacDowell * Associates , Ltd. is the company sending the garnishment notice 2 decades later. I have never received a copy of a bill of anything from MacDowell & Associates other than, garnishment notice ; no bill statement, etc. since XX/XX/XXXX, seventeen years ago.

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 2017-08-22 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: NC

Complaint narrative:
Reporting charges that are not mine.

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 2017-08-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX   XXXX ( This account is listed twice. ) Ive reviewed my records and the last activity on this account occurred XX/XX/XXXX ( Equifax 's records show the date of delinquency as XX/XX/XXXX ). No  further activity occurred. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed by either XXXX or XXXX. Obviously their records are correct and Equifax should adjust their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a consolidated student loan that is administered through Navient. I am enrolled in auto pay, yet each month Navient charges me a late fee ( {$57.00} ) that prevents my loans from decreasing.I did, however, discover that my credit union only allows five ACH automatic withdrawals per month. I tried to change my " due date '' to the XXXX or XXXX of each month as opposed to the XXXX ( which it is currently ) .The website, however, is far from user-friendly and would n't allow me to do it. When I contacted customer service they said they could not do it on their end because I had a " pass-due payment. I tried to explain that the past due amount in question and told them I had submitted a payment manually because I could not trust auto pay ( each month they levy a late charge ). The customer service representative still suggested that I pay the past due amount. I again tried to explain that the amount in question was now a " pending payment '' that was in process as opposed to a " past-due '' amount. After a minute or so, she mentioned that she was able to see the " pending '' payment. Unfortunately, this is not the first time this has happened. Every single month it is something. And, my balance does not decrease. As a matter of fact, I owe more now than I did when I began repayment. SERIOUSLY. This time, I was ultimately advised to wait until the " pending '' payment clears then recall customer service to initiate a new " due by '' date. Please have someone contact me because I honestly believe they are purposely trying to make it hard to collect payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: NC

Complaint narrative:
Reporting charges that are not mine.

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 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Tries to collect fraudulent debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: Servis One, Inc., Titusville, PA Branch
State: MA

Complaint narrative:
Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TN

Complaint narrative:
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Afni was reporting on my credit report that I owed {$100.00} for a XXXX collection. I never owed XXXX XXXX that amount. When I filed a dispute with XXXX they reduced the amount owed to {$0.00} and reported it as if I had paid the {$100.00}. This needs to be completely removed as this is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Attempts to collect fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I owe Mariner Finance, I sent a payment in XX/XX/XXXX, they stae they never got. Now they want 2 pmts NOW. They call on a daily basis they call at work and are now calling my neighbors. I talked to them a couple weeks ago and told them when i get p [ aid i would send what i could. That was all fine and good but they never talked with me and dont know who called. I am tired of this everymonth. I try but we ran into some financial difficulty, and am trying to catch up but these people just keep hasseling thinking i will get paid faster that way, but i can only do what io can do.

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 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them 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 2017-08-22 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: EQUIFAX, INC.
State: UT

Complaint narrative:
According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them 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