vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called XXXX XXXX to dispute my collection account. I finally received a letter from XXXX XXXX dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' I thought this issue was resolved and closed. 

However, recently, I checked my credit reports on XX/XX/XXXX and I noticed a collection account is on my file. It damaged my credit score and my credit history. I have disputed with all 3 credit agencies. XXXX and XXXX did not resolve my issue. I requested XXXX  3 times : 1 in XXXX, 1 in XXXX, and 1 in XXXX to send me my dispute result in writing but I still haven't received any in mail. XXXX sent me the investigation results. The letter stated that the Collection account from XXXX XXXX XXXX # XXXX. I never receive any letter or any notification from XXXX XXXX XXXX before. This is the first time I am aware of the collection account from XXXX XXXX XXXX for the same creditor XXXX is on my credit file. How many collection agencies out there attempting to collect the same account for XXXX? How can I dispute when I never receive any mail or notification from XXXX XXXX XXXX.? 
Please assist me to resolve this issue and make sure the collection account is removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I had a USDA Rural backed loan that originated in XXXX of XXXX. In XXXX of XXXX, this loan was assigned from XXXX XXXX  to Carrington Mortgage Services , LLC . 
In XXXX of XXXX, I modified this mortgage through the HAMP program. 
The loan balance of approximately {$160000.00} was reduced by a subordinate mortgage of {$43000.00} that would be due on XXXX/XXXX/XXXX, with no payments due in the interim. Leaving a 1st loan balance of approximately {$120000.00} at this time. 
On numerous occasions I have requested a payoff request and/or a lien release in regards to the subordinate loan from : Carrington, from HUD, from USDA, from FHA, and from XXXX XXXX XXXX. Each of these entities has denied that they are the servicer and/or can not locate any trace of this subordinate loan. The only payoff that was provided was by Carrington for the 1st loan, without including the subordinate loan balance. 
There are multiple loan numbers, case numbers, and reference numbers on my documents, but none of them are able to assist in the location of this subordinate loan. 
This issue is directly impeding the sale of my home as the title company is refusing to insure the title and the closing deadline is just a little more than 2 weeks away. I have advised each of these entities of the ARS 33-715 - regarding payoff demands and that I would be entitled to damages currently estimated to be more than {$330000.00} the offer on the home plus other costs associated with the sale and enforcement of my rights under this statute. Also, each entity was advised that under this statute that I am entitled to {$500.00} whether or not there are any damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Torriere Holdings INC
State: MD

Complaint narrative:
*******URGENT******* I called the XXXX XXXX XXXX  office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CA

Complaint narrative:
On XX/XX/2019 I attempted to log into the mobile app for Bank of America checking account information. I was not able to log in and received a message to call the ( 800 ) customer service number. I was told by the customer service attendant that my account was in the process of being closed due to fraudulent activity. I was instructed to go to my bank branch and have the funds in my account transferred to a new account. At the branch office, I was told that I would not be able to transfer the remaining funds in my account to a new account so that I could have access to my funds and continue to utilize a Debit card for future transactions. I called the ( 800 ) number as instructed by personnel at the branch. The customer service representative told me that I would have to call back on Friday after the XXXX XXXX XXXX holiday. 

I obtained a copy of my account statement and noted that the statement showed a hold on a pending debit of {$880000.00} as of XX/XX/2019. I had no knowledge of such a debit amount and I do not understand the existence of this debit. 

I returned to a branch on XX/XX/XXXX, with a copy of my statement and asked a customer representative for an explanation of the action taken by the bank. I was told that the pending {$880000.00} pending debit was the banks way of identifying suspected fraudulent activity in an account. The representative attempted to get information by calling the banks internal ( 800 ) number but after a wait of over an hour the representative informed me that closing the account, refusing access to my remaining funds in the account and/or opening a new account so that I could continue with transactions I have to make would not be permitted because the account was closed as a result of a " Business Decision ''. 

I was finally told that I would have to return on Monday, XX/XX/XXXX to receive the funds I have remaining in the account but I would not be able to open a new account. 

I believe this action is discriminatory in that I have needed to make numerous transactions while maintaining only a nominal balance due to the fact that I have been out of work for a year and unable to maintain and utilize this account in the same manner as I have for over the previous 20 years when I used this account for direct deposit of my payroll check.

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 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got a credit card from Capital One that had a 0 % APR on new purchases for a certain number of months. The statements do not show when the 0 % APR expires. I have to call them to find out. I called just now because I though it might be expiring soon, and I learned it expired last month. I also have a card from XXXX XXXX with a promotional APR, and it says clearly on the statement when the rate expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I dont owe XXXX XXXX  {$170.00}, my insurance paid for everything. Therefore, I suggest you that you stop harrasing me. If you have any questions contact my health insurance. On the other hand, also XXXX XXXX  broke the contract with me and my insurance. Furthermore, I dont have any responsibility with Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: CREDIGY USA CORP.
State: MA

Complaint narrative:
There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status of charged off but the problem is that I never had an account with this company called XXXX XXXX XXXX the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2017, I have disputed this account with XXXX  , XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX, XXXX and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I'm a victim of identity theft for to many years and I have to many collections in my credit report that doesn't belong to me. I'm only live in Pennsylvania and there's accounts from others states that appears in my credit report and differents address that I didn't even know. Can somebody PLEASE HELP ME?? This is ruin my credit and my life.

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 2019-07-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc #  XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : 1. STATUS OF LIMITATION OF THE ACCOUNT # XXXX. Disclose copy of Notice Default letter dated XX/XX/2007. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
*******URGENT******* I called the XXXX XXXX XXXX office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2018 I closed my account with XXXX XXXX, the continued to bill my credit card for them regardless of the closed account. 
Received a bill on XX/XX/18 to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX showing amount due of {$170.00} ( who is XXXX XXXX XXXX. 
XX/XX/2018 they turned me into a collection agency for XXXX XXXX for {$170.00} would not give any statements unless I paid {$5.00} each. 
On XX/XX/2018 received an email bill from XXXX XXXX showing a credit on my account on $ XXXX no credit issued. 
XX/XX/2018 received from USPS an actual bill showing a credit amount of XXXX. 
XX/XX/2018 I received an email from XXXX showing my balance as -XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: TX

Complaint narrative:
Equifax is not doing the best to verify info before report it They still reporting XXXX  XXXX XXXX  account even it is not mine. They claimed that they verified this account with creditor but they did not verify it using my social security number which they fail to make sure they have 100 % an accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Been receiving emails from XXXX XXXX claiming to be with True Accord stating that I owe XXXX XXXX {$420.00} and I can settle for {$330.00}. I looked up XXXX XXXX and they finance Horse Trailers. I live in an apartment complex. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union blocked access to my debit card when I was away from home attempting to purchase food items. I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated their branches are eight hours driving distance away from my home and I can not drive said distance due to being XXXX and elderly. On Friday XX/XX/2019 I called Navy Federal Credit Union and spoke with someone named XXXX in security and a supervisor named XXXX asking both to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my checking and savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of XXXX XXXX Dollars { {$230.00} } to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I'm looking for any canceled check with a value of 5K or higher in value from XXXX & XXXX. TO be specific I'm looking for a {$10000.00} check from XX/XX/XXXXaround XX/XX/XXXX or XX/XX/XXXX time frame A {$5000.00} check from XXXX from around the same time period. 

So about 6 to 7 months ago I called Chase inquiring about looking for cancel checks records from XXXX & XXXX I called Chase online and had the unbelievable luck to find an employee who was willing to go that extra mile. It took about 1/2hr,  but she told me to write to the following : Chase Bank Image Retention Mail Code - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX For cancel checks or documentation from over 10+yrs ago The letter should include my account number, date ranges or figure or amounts and or dates that you were looking for. 

She said to be specific as possible or try to be as detailed as possible. in your letter. 
Unfortunately, I didn't do this right away and I waited Fast forward to 2weks ago when I thought I had misplaced the information, I called Chase and I was told that there was no place to recover records that are past 7/8yr old. I lucky and found my notes on the above address and suggested that the Chase Rep update her or the group they record. in case other CHASE CLIENTS needed or wanted to locate canceled checks or bank records that 10+yrs Last week I was in the process of drafting that letter and I happened to just look online and google the address and googled Chase in XXXX or the address and I and found out that the address in question was a Chase facility however it is now a vacant building in XXXX   All the comments & post online seem to be asking the question where all the departments & people did who had worked at building relocated too. 

I called Chase back online to inquire about what had found out and to inquire about an updated address for Image Retention department which most Chase employs have never encountered or know about. Thus, I was told again that there is no way to get bank records that are 10+yrs old. 

I'm looking for Image Retention that used to be at the above address or I'm looking for where to go to get information on any canceled check or statements with a debit entry value of 5K or higher value that was processed in XXXX and XXXX. 

To be specific I'm looking for a {$10000.00} check from XXXX, around XXXX or XXXX time frame A check XXXX around the period.

Company response to consumer: Closed with explanation