vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CBNA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, CA 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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Armcon Corp
State: CA

Complaint narrative:
I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I thought that lenders - for any loans, not just student loans - were required to provide timely and accurate billing statements. I am attempting to re-finance my student loans currently serviced by Navient, and much to my surprise there is not a way to access your billing statements via their web portal. I have been on autopay for years, and not had a reason to look for a statement, but I am appalled at how difficult it is. It is hard not to wonder whether they are hiding something. My guess is that they want to make it difficult to re-finance with another lender, and they know that is more than likely the only reason you would be accessing billing statements, so they make them difficult to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: NY

Complaint narrative:
Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/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 2017-10-10 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: NY

Complaint narrative:
Is reporting a late for XXXX account # ending in XXXX for XX/XX/XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XX/XX/XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XX/XX/XXXX.
But in XX/XX/XXXX payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: NY

Complaint narrative:
Is reporting a late for XXXX account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Nothing has happened, but Equifax was irresponsible with my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I  sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I allowed myself to be talked into replacing the roof of my townhouse in the start of calendar year XX/XX/XXXX.  The financing to cover it was a XXXX XXXX XXXX XXXX credit card. I assumed it was a fixed amount card as it expired in XX/XX/XXXX. At the start of the year I had over {$11000.00} to pay down and was able to get the debt under {$6000.00} before XX/XX/XXXX. When I received my XXXX statement, I was socked with an interest lump sum of {$4700.00} to inflate the debt to over {$10000.00}. I consulted my retirement account counselor who directed me to this website. The credit card in question is " XXXX XXXX XXXX XXXX '' and this financial division/group is already under scrutiny from the Consumer Finance Agency under Complaint ID XXXX ( the counselor perused this information and provided the Complaint ID ).

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 2017-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One allowed charges to be made on my close credit account of {$14.00} after sending two statements with a XXXX balance. I reconfirmed with the agents over the phone to confirm the amount and made an extra XXXX XXXX payment when I closed all my accounts on XXXX XXXX2017. Now suddenly they claimed they missed a charge but did not catch it until weeks later in the XXXX statement. I only paid the amount so I will not be charge any other fees while I dispute the transaction. I informed the agent that I am disputing the charges. Again I am told this account is closed with no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XXXX XXXX,2017 I received a phone call from IC Systems very late at night. I would say like 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been breached in the Equifax data theft according to their website. When I try to freeze or lock my account there is a fee involved. They have offered a one year free monitering service, but then there is a fee. My SSN is FOREVER compromised and I want FOREVER control over my credit information. FOR FREE! The other bureaus have some free fraud alerts, and other fee for notice products, BUT IT THEY ARE TO HAVE MY DATA AND USE IT TO SELL SERVICE THEN I SHOULD HAVE FREE ACCESS TO CONTROL WHEN THE DATA IS USED!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: MD

Complaint narrative:
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the XXXX XXXX XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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 — Was not notified of investigation status or results
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I was n't notified that I owed this properly than later found out and paid but they would not remove it off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
In the best non-detailed description of what I am going through starts off with me applying for a job position with a company in the middle of XX/XX/XXXX. During the process of the interview I was giving my social security number to the HR Manager to input to her system to send to, what I eventually see through a letter in my mail, a " XXXX XXXX XXXX XXXX XXXX '' During the interview process however, I give the HR Manager a wrong SSN due to memory and she unfortunately submitted the file already before I could tell her my correct SSN a few seconds later. Two weeks go by and I hear nothing from the company that I applied to and the letter comes in my mail from them with the company they use for background checks. It has my name, address, date of birth, and WRONG SSN that produced the report mailed to me. 

Note that with the information I provided the company for a background check, everything seems to be " Full matched '' and used by this background check company " by the following identifiers : Last name, First Name, Middle Name, DOB '' as well as my address and WRONG SSN in easily readable format with criminal charges personally I never been charged with. Two scenarios are in my head with my concerns. First, the background check company that is able to manipulate a LEGAL DOCUMENT WITH NUMBERS THAT IDENTIFIES YOU FOR THE REST OF YOUR LIFE, with most likely a date of birth and of course a name associated with it, AND CONFUSE IT WITH ANOTHER LEGALLY IDENTIFYING NUMBER THAT IS VERY IMPORTANT. Secondly, if my First Name, Middle Name, Last Name, and DOB has a criminal charge on file that someone inputted, who is to say I do n't have another one or when I 'll have another one?

I am investigating my situation first thing in the morning with the companies involved since the day I write this is the day I found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.

Company response to consumer: Closed with explanation