vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc.
State: NV

Complaint narrative:
At the time of this debt I was/am a XXXX XXXX, only working XXXX XXXX. The XXXX XXXX XXXX XXXXXXXX XXXX bill was almost {$2000.00}. I called the hospital, spoke to XXXX XXXX, told him I could not afford to pay all at once. He said to pay just what I could. I also called the number on the hospital bill after speaking with him, and they told me at that time he did not work there anymore, but I could ask for help with the bill by filling out the charities form that I could get online on their Web site, which I did, and I mailed it Certified Mail, and received back the signature card from the post office that they received it [ I have copies of proof of mailing and receipt ]. I sent in everything they asked for. I waited a few months, did not hear anything, called back. It was at this time I was told they didn't receive it. I have proof they received it. My parents then said they would help me by paying the hospital {$20.00} a month on autopay from their checking account. I also have proof of their payments over the last six months. The last bill I received from the hospital said if payment has been made to disregard this notice, so I knew my parents were paying monthly on the account, so I disregarded that notice since a monthly payment was being made. The next correspondence I received just yesterday is from a collection agency. I have been making a good faith attempt to slowly pay off this debt and they sent me to a collection agency anyway. The starting bill was {$1900.00}, the bill from the collection agency shows the balance as {$1800.00}. These are the payments made : XX/XX/18 - paid {$25.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00}. There was a scheduled autopay check that was to continue going out monthly until it was paid off, but now I have received this collections letter, which means the hospital sold this invoice to BCA Financial Services and it is out of the hands of the hospital. This is wrong and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: PA

Complaint narrative:
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal close my business account for a vague, unspecified reason, and subsequently is " holding '' my funds ( {$120.00} ) for 180 days " just to cover potential chargebacks. This is an egregious encroachment of my financial rights. I've contacted them multiple times via phone/email, and received NO response or help. The aforementioned account was terminated XX/XX/2018. Paypal generated a " case number '' of XXXX ID : XXXX ... though they automatically consider my " case '' closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from XXXX XXXX XXXX XXXX XXXX, stating that they have been hired by Chase Bank XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC XXXX XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. XXXX has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to Chase Bank USA N.A., what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a full time member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe XXXX should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NY

Complaint narrative:
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.

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 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am in the process of getting approved for a mortgage and was advised I had a collection on my credit report for LJ Ross. I have lived in Texas for almost 4 years now and have never received any notification regarding this bill. When I moved all mail from the post office was set to be forwarded to XXXX XXXX XXXX XXXX XXXX Texas XXXX and then all mailed was forwarded to XXXX XXXX XXXX XXXX Tx, XXXX, all of which are documented with the USPS. Throughout this time I have not changed my phone number from the XXXX. I sent a letter certified to LJ Ross and to date I have not received any response at all. I am requesting that this be removed as I did not receive any notification regarding this and I did not receive anything to have in the mail to give me the right to dispute or have validate this bill. This company has valilated my consumer rights at this point. I have attached the letter I sent and the information saying they received my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CT

Complaint narrative:
I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing 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 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have spoken to an attorney regarding handling this debt. However Synchrony Bank calls me 20 times a day at least mostly from their Texas offices. XXXX XXXX XXXX XXXX XXXX, Tx. And XXXX XXXX XXXX XXXX   XXXX, Texas.

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 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing 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 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have invalid charges on a Major Credit Card with the following institutios ; Capital One. A Record of charges is listed below and receipts for the charges are attached. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for documentation by XXXX Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation the institution has refused to honor both Fraud Claims. Capital One honored the claim in the amount of {$5300.00} but denied the {$9200.00} claim. Capital One to date has only notified me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech Financial Account # XXXX  We have been escrowing money on this account since its inception for payment of property taxes. Our property taxes to XXXX County, Georgia were not paid in XX/XX/XXXX. I contacted Ditech when I first noticed the taxes haven't been paid. The first contact was on XX/XX/XXXX. Every time I call they tell me they are researching it. Meanwhile, they are sitting on approximately {$8000.00} of our escrow money and are taxes are still not paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years later I received a letter from another collection agency  regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.

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 2018-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I have disputed this issue with Account Resolution Corp whom did not provide me with a copy of my signature with the provider of services to release any of my medical information to Account Resolution Corp regarding alleged debts as well as cease any Credit Bureau reporting. This entry 's insertion on my credit reports is a blatant HIPPA VIOLATION and a violation of my human rights according to the ( FDCPA ). These entries must be deleted from my credit report immediately. XXXX # XXXX ( {$1500.00} ) XXXX # XXXX ( {$270.00} ), Act # XXXX ( {$350.00} ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.

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 2018-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX I borrowed money from XXXX XXXX in the city of XXXX Virginia {$20000.00} and was coheresd into a home equity line of credit with as a separate account away from the line. I borrowed some money from the credit line and paid money back to it, I didnt get a single monthly statement until XXXX when WellsFargo absorbed XXXX, the statement claimed I took {$59000.00}, the maximum I could have taken. I froze the account and began trying to find out where the money went. There is no paperwork for the first two years non of the withdrawals or deposits I made are mentioned, They, wellsfargo, have the original agreement and the statements beginning when they took over but that is all. And have stalled me off for 14 years while I pay them interest or rent on my own property. I cant find any one to advise me. The bank promises to do some thing, and I wait but then act as if this is the first time they hear about this, I have been to several bankers and talked to the main office who just sends out the statements I already have. Not the first two years when the money Was allegedly taken. Help me fight this giant. I want all my interests payments back and to know who stole my home equity. Cant find an attorney or adviser.

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 2018-09-30 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I XXXX XXXX have been receiving notices to collect a debt that has long passed the time limitation to enforce in the Commonwealth of Massachusetts. The collection letter itself states that the account is too old to take a court action. The credit trade line has already been removed from my credit reports across the board. So why is a national collection agency still in possession of my personal information? I demand that my personal information be purged by Portfolio Recovery Associates. The Federal Trade Commission needs to take action against this egregious action procured by the debt collector. I demand a letter stating that my file has been purged. I have attached copies of FTC actions against debt collectors in the past for doing this type of illegal activity. PRA needs to purge my file permanently!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Identity theft.

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 2018-09-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years  later I received a letter from another collection agency regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.

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