vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.

Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.

Attached also is the response from XXXX XXXX XXXX  It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I received a phone call yesterday XX/XX/18 from XXXX. I do not answer calls from XXXX numbers so I sent the call to voicemail. After reviewing the message it was from XXXX XXXX XXXX telling me they are attempting to collect a debt. XXXX XXXX was calling and left a reference number of XXXX. I immediately returned the call to find out what this was in reference to. I was told they were collecting a debt from the IRS, I told them I did not have any reason for debt collector I signed a agreement with the IRS for payments to be withdrawn from my account monthly. After this I was told the debt was not mine and they were looking for XXXX XXXX. She is my daughter who is XXXX years old. I do not get involved with my children 's matters. I do not give out there information ect ... After this disturbing call from this collection agency I went to the IRS website and learned that there are many factors in this collection agency collecting debt for the IRS and they violated all of them. I have printed out these rules which one was they can not divulge information of a debt owed by another person to me. Which they did. These companies need to follow the law when collecting debt and seem to have zero respect for the 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 2018-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I brought a cashiers check to open an account and was told that the funds would be available the next day, so I agreed to open the account, then when I deposited the check I noticed on the receipt that the funds would not be available for another week because I am a new customer. I was not told this before opening the account I was told that the funds would be available the next day otherwise I would have not opened the account because I have another active checking account at another bank. I was misled and deceived.

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 2018-08-23 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: GA

Complaint narrative:
In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. I recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX  has not updated XXXX sinceXX/XX/2018 ( see attached ) and Transunion sinceXX/XX/2018 ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
It was brought to my attention, a local retailer in XXXX NJ, XXXX XXXX, was allowing my ex to use my XXXX XXXX card issued by Citibank. As soon as I was made aware of this, I contacted Citibank as of XX/XX/XXXX as I did not authorize these purchases and or was/is my signature on file! I do not and NEVER have and an authorized user on my card either. I was made aware of this when my ex got arrested, I was listed as a contact person on is car, and was called to come and pick it up. There was an invoice in there in which he made a purchase, half on my card and half on his card. Again I did not authorize this and my card should have NEVER been charged. It is my understanding that there is a 2 year time frame, both which I am and was in when I filed the complaint as one was from XX/XX/XXXX and the other in XX/XX/XXXX for a total of almost 700.00. Please note the first purchase I found by calling XXXX XXXX  corporate office and the rep searched for it via his license plate. The only reason why I did not address this sooner as I was not made aware and I had alot of work done by using my card as well therefore the balance with interest originally made sense. The issue I am having now, is that Citi is not removing the charges, they feel that I am responsible for them which I am not. At NO time should any retailer let another person, regardless of whom it is charge another persons card with out their consent. If they were doing their job correctly, both the retailer and Citi, they would see that my card says clearly see id! I have been a victim of fraud previously! This case was reported in XX/XX/XXXX and had been closed many times for an unknown reason ; I have complied with all of the information they have requested from me. Last week I contacted the corporate office of Citi, and spoke with a rude witch, XXXX. I advised her of all the issues as above in detail, the conversation was at least 30 minutes at which time she advised me she would review it further. My main arguement of which it is clear in the contract is THEY DO NOT HAVE MY SIGNATURE, IT IS NOT AN ONLINE COMPANY AND I DID NOT AUTHORIZE THESE PURCHASES! I AM NOT LEGALLY RESPONSIBLE FOR THEM! I get a call today and she was a witch once again just basically reading me the letter which was sent as of XX/XX/XXXX advising me, to bad there is nothing we can and will do for you. You are legally responsible for these. Again, I am not legally as my signature is not on file. This is not hard people. Since I am getting no where with them, I am turning to you for help. Citi bank and XXXX XXXX clearly promotes fraud and that is against the 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 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was told there is a Navient Student Loan Forgiveness program. In common basic terms, they are being sneaky and manipulative. In specific terms they are misallocation of payments, providing unclear info about re-enrollment to their income driven repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX   placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. I now have another account ending in XXXX  with Bank of America with the same problems.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Attempted to make a donation onXX/XX/XXXX to XXXX XXXX using my XXXX  card and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.

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 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me  and hung up in my face.

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: SC

Complaint narrative:
I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: GA

Complaint narrative:
LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
There is a equity loan with Chase bank on my house. It is a 2nd mortgage that is only in my ex-husbands name. I was awarded the property in the divorce and he quit claimed his interest to me. I am the sole owner of the property. The loan went past due and all communications and written notices were redirected to my ex husband. Chase foreclosed and a sheriff sale is scheduled.

I work for a XXXX  and contacted our Director of Collections. He made me aware of my rights as the Successor in Interest. When I called and told Chase that I could easily prove my Successor interest, they clearly had no idea how to handle the situation, even after I provided the divorce decree and quit claim deed. One representative said that my ex husband had to be dead. Based on the recent regulation that went into affect XX/XX/2018, it is my understanding that my divorce situation qualifies me as the Successor. All I want is for someone at chase to provide me basic loan info so I can pay this debt and avoid foreclosure. I have been rotting on hold and have been passed around to people who clearly are not properly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account Ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XXXX XXXX claim # XXXX. On XXXX XXXX transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XXXX XXXX @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XXXX XXXX in the amount of {$3000.00}, for XXXX again. I called XXXX  on XX/XX/2018 spoke with XXXX and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XXXX XXXX for an temporary credit adjustment for claim # XXXX, but was not issued on XXXX XXXX into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. Account ending in XXXX I had the same problems with on XX/XX/2018.

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 2018-08-23 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: Credit Karma, LLC
State: NJ

Complaint narrative:
I opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
PayPal has inactivated my account without explanation. Further they asked for copies of my ID which I provided and they refuse to either restore my account or in the alternative cancel it. I do not want my credit card information in a suspended account. Recently the PayPal made additional request for a copy of my bank statement which I, under no circumstances, will comply with in any form. At this point in time, I would be satisfied with a simple closure of the account but told Paypal to either reactivate account or cancel it. PayPal refuses to do either. Further, PayPal offers no explination of their behaviour. My account has been open since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I have never received a letter providing notice of dept collection. I have never received any phone call in regard to this dept collection. I have no idea what this is about despite my attempts to gain additional information. 

Simon 's Agency did remove this negative note from XXXX XXXX and XXXX, but NOT XXXX. 

I have excellent credit and do not want this on ANY of my records and kindly request that this incorrect dept be removed from ALL THREE credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Received a Call from a company identifying themselves as Portfolio Recovery Associates looking for ex- wife on a mobile phone that is owned by ( husband 's ) employer. Agent for Portfolio asked if we resided at an address where wife grew up. She has not been a resident at the said address for 18 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 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: GA

Complaint narrative:
I placed a dispute in to the major credit reporting agency on XXXX, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.

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