vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I pulled my credit report and did not know who this company, AD Astra Recovery was saying that I owed a debt to them from a XXXX  transaction. I have paid all of my debts so I asked them to validate the debt per my consumer rights protected by the Fair Debt Collection Practices Act. I sent them a Validation Demand on XX/XX/2019 asking for a contract, statements or detailed billing history to prove the debt was mine. 

I did not get a response. 

I disputed the account with the Credit Bureaus letting them know that this account was in violation of the law, the collector did not validate it, and asked them to remove it. All three credit bureaus said that this company AD Astra Recovery verified it and continue to report it. So I sent another Validation Demand to AD Astra Recovery to show me proof that this debt was mine on XX/XX/2019. 

I did not get a response. 

I again disputed with the credit bureaus letting them know that my rights were being violated, that this company is not complying with the FDCPA and for them to report a debt that the collector does not validate violates the Fair Credit Reporting Act. All three continue to report it and claim that AD Astra Recovery has certified that is correct and my debt. SO I sent a follow up letter on XX/XX/2019 to AD Astra Recovery asking them if they can certify it's mine with the credit bureaus why can they not send me the same certification? 

I did not get a response. 

I have read, while researching this account, that AD Astra Recovery often violates the law and does not comply with the FDCPA. What upsets me is that this is still on my credit report after multiple violations and that the credit bureaus refuse to recognize these violations. I have asked the credit bureaus to send me the proof from AD Astra Recovery that they are using to verify it and they refuse. I just get a generic letter that says it was verified without any information that proves it was verified by them. How can the credit bureaus also violate my rights and get away with it? 

I want this debt removed from my credit report for violating my consumer rights protected by Federal Laws FCRA, FACTA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reported the following accounts to the Credit Bureau of Equifax to be removed from my credit report. These accounts were fraudulently opened in my name and I submitted a a copy of a dispute letter, Approved XXXX Police department Identity Theft Report, a copy of my Drivers Licence and a copy of my Social Security Card. According to section 605B which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information has been added back onto my report, even though proof was submitted & also legal documentation was provided. These account need to be removed from my account immediately. No documentation was ever provided with my signature saying i approved of the opening of these accounts XXXX  XXXX  XXXX  XXXX/ Date Opened XX/XX/XXXX /Credit Limit {$150.00} XXXX  XXXX  XXXX , Date Opened XX/XX/XXXX High Credit {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: ME

Complaint narrative:
When I applied for this loan with Harley-Davidson, I had a street address and a PO Box on my application. The dealer that I bought the motorcycle from used my PO Box , but it appears Harley Davidson only received my street address. They generated the first two statements for my loan for XX/XX/2018 and XX/XX/2018, and when the statements were Returned to Sender due to mail service not being available at my street address, Harley Davidson not only discontinued mailing paper statements, they didn't produce any statement at all. And they didn't call me to sort it out. Their policy is to simply stop generating statement. So if I wanted to call and get a copy of my statement from XX/XX/2018, I couldn't. They said the only thing they can provide me is my payment history. 

How can a company that has open lines of credit with people discontinue generation of statements? Is that not part of some reporting law? I never bothered to check until now because I figured I was paperless, like I always am, and thought for sure anything I needed would be available online through the account that I registered for at the beginning of my loan. But they said that I don't have access to any statements from XX/XX/2018 to now. My next statement will generate with the next billing statement. 

I just don't feel that this is right. The only thing I can see is the history of the lump sum payments I've sent them. I've requested a hard copy of my payment history be mailed to me because the rep on the phone today indicated that it will break down what was applied to principal and what was applied to interest, but why wouldn't I be able to see that through my online account? This just seems nuts so I wanted to reach out to confirm if Harley Davidson Financial Services needs to change their ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX there was a cash withdrawal of {$6000.00} made from my business account. I did not make the withdrawal and it's obviously someone within the bank branch that did. I have emails placing me at my work at that time, the IP address on the emails line up with my work router. Also the handwriting on the withdrawal slip is not mine. 
I attempted to deal with CHASE on this, after over a month of consideration they are declining to pay me. My accountants did not discover this until mid XXXX of XXXX, Chase is saying it was too late to do anything about it. 
I have been a customer there for over 22 years. I have a mortgage and an IRA with them. I have no history of any fraudulent activity with them or any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
To Whom It May Concern : My mortgage was recently sold to a new servicing company. Following are the new company contact info : The Mortgage Firm. 
XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX. 
Tel. XXXX. FAX # XXXX. 
While the mortgage was still under the previous servicing company, I made my payment there on time. Monthly payment {$2100.00}, Since the transfer of my mortgage, the new servicing company is stating that they dont have record of my payment to the previous loan holder and they are charging me interests and threatening to take my account to collection. I even provided them my bank statements as evidence of my payment. I need your assistance to resolve this issue. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a checking account with Bank of America. I also have a credit card with them on which I owe . Without my authorization they took {$1100.00} from my checking account & said they were using it to pay my credit card debt. 
Is this legal? can they do this to me? What can I do about it? Thank You!

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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
Merchants Credit Guide - Opened XX/XX/2018 XXXX XXXX XXXX {$580.00} I recently received a call from this debt collector. They asked me if I'd like to make a payment on this. I told her i havent ever been to an XXXX Hospital to the best of my knowledge and she laughed and said " okay '' and hung up. 1st.. this was inappropriate. 2ns she didnt even give me a chance to ask any question about the charges. Im positive this isnt for me. It just recently hit my credit and i havent been to a hospital in i dont even know how long. I would like proof of this charge and to have someone explain whats going on. Or how they allowed someone else to use my identification to get medical treatment. I feel like i could have got the information i needed from the debt collector to try and help clear this up but like i said.. they laughed and hung up instead of trying to explain what the charges were for and where they came from. Please remove this from my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: MI

Complaint narrative:
XXXX XXXX-SS was garnished for approximately {$420.00} for a student loan they claimed I took out wit an electric signature in XXXX. I had never received a bill until XXXX. That was 13 tears after I supposedly took out the loan. I filed bankruptcy in XXXX and this loan DID NOT show up on outstanding bills I owed. I began corresponding with them in writing and verbally to no avail. Im XXXX years old on a fixed income. I just went through XXXX XXXX XXXX & treatment & do not need the additional stress of my finances being taken away. I spoke with a man named XXXX & told him they could not take my SS. He said, Yes we can. We are the Federal Government and we can do anything we want. I felt hopeless and discouraged. No company or individual has this right over a consumer. What can I do. Thank you in advance for your help. My loan group number with XXXX is : XXXX. My next payment is due XXXX for {$230.00}. XXXX is also taking $ XXXXmonth for this loan to pay Ascendium, creditor # XXXX. XXXX ID # XXXX. This situation is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is refusing to pay {$400.00} bonus they advertised because they now claim the qualifying deposits had to be made during each monthly statement period not during each actual month. So for example in my case between XX/XX/XXXX and XX/XX/XXXX, etc ... instead of between XXXX and XX/XX/XXXX, etc ... However, this is not what they advertised. The bonus offer clearly states " three consecutive months '' ... not monthly statement periods. 

From their website : Within 150 days of account opening, receive a monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. During this time, your new account balance must be {$1.00} or more. 

I opened my account on XX/XX/XXXX and made {$3000.00} in qualifying direct deposits within 150 days for the consecutive months of 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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
During a property claim due to a hail storm Citizen Home Mortgage held onto funds paid by the insurance company for a very long time. I needed that money to pay contractors to make fixes that were approved by the insurance company. Citizen One Home Loans kept funds in an escrow account and delayed paying the insurance money. Due to this I had to float some of the reconstruction cost out of my own pocket. I believe the Mortgage Company does this to increase their float at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I have been dealing with multiple issues with my mortgage. I have dealt with XXXX, XXXX, XXXX XXXX, and now SLS for years. I would say SLS is the WORST. I just paid off a Sherriff Sale on XX/XX/2019, sale date was XX/XX/2019. It was my second one in the last two years. The last one I paid off they did the same thing, added fees on that they would not explain to me. I was told that I had to send an email, they can not discuss my account over the phone, my loan was not reaffirmed. The fees say they are for Foreclosure on the statement. This time the fees are twice as much. They will force me to pay the {$1500.00}, instead of my payment of {$940.00}, fees are {$640.00}. I do not understand how I owe fees for something that was paid in XXXX. I made my XXXX payment early. For a long time, I was not even able to access my account. That changed finally in the last few years. Now I get statements and can access my account online. But they still have restrictions on my account because it was not reaffirmed. SLS is a very fraudulent company and should be investigated thoroughly. I know multiple people dealing with issues with them.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Promotion was for XXXX XXXX XXXX points for adding an additional user to the card within 30 days of account approval and the additional user making a purchase within 90 days of account approval. 

Account was approved XX/XX/2019. 
Call to add additional user was on XX/XX/2019 ( have call logs to prove this ). This is 29 days after account was opened and within the 30 day requirement. 
Purchase by additional user was made on XX/XX/2019, within the 90 day requirement. Have statements to prove this, and Barclays should have access to this. 

Called several times to request points, was told that either of those two requirements were not met. Barclay 's claims additional user was added XX/XX/2019, after the 30 day requirement. I am providing call logs proving I called Barclays to add the additional user on XX/XX/2019.

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I have received two documents with different interest rate increases. One is dated and the other is not. I am in an increasing interest rate modification. I do not know which one is correct. 

I do not contact SLS, they won't talk to me on the phone. I can only send emails.

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 2019-11-18 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:
In XXXX of XX/XX/2019 i opened up a XXXX line of credit with XXXX XXXX to purchase furniture at XXXX XXXX XXXX, i made 4 successful bi weekly payments starting in XX/XX/2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then august 60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around 1300 dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my Experian reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to request your help and notify multiple violations to the Free Credit Reporting Act. My rights as a consumer are being violated. I have an account with JP Morgan Chase Bank, account # XXXX, opened : XX/XX/XXXX, Limit : {$30.00}. This company is reporting a late payment on my account, committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Chases website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXXX, Date opened XX/XX/XXXX, Limit {$9000.00} ) is current without a single late. 

This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. This is affecting me in a huge way, mentally and physically. 
They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from JP Morgan Chase Bank as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Chases records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank of XXXX Florida has sent me letters concerning my application for four different accounts. They have turned them down and notified me of the actions. The problem is that someone else has submitted the applications claiming it was done jointly with me. I have never done any business with that bank. They try to avoid providing me with any information about the crook involved. The name might be XXXX XXXX. 

There have been previous attempts to steal my credit cards from banks that I use. One stated the card had been lost and a new card should be sent to XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. Another used a XXXX XXXX Address. 

Hope you can catch the crook.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied Bank of America XXXX  XXXX Visa Credit Card around four months ago. The offer was spending {$2000.00} in 3 months and you will get XXXX additional XXXX  XXXX miles. I called Bank of America XXXX  on XX/XX/XXXX and was told by the representative that I would need to spend {$35.00} dollars more by XX/XX/XXXX to meet the spending requirement and I followed her instruction. However, when I called approximate 1 week later, the other representative told me that I was still {$23.00} short and my offer expired, so there was nothing I can do but losing my bonus. 

I explained to her my situation and asked her to open a case. She did, but I have not heard anything back from the response ever since.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX, Bank of america sent me a letter told me my credit card was closed due to irregular authorized user activities, but in fact, my authorized users rarely use this card.

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