vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: MD

Complaint narrative:
The XXXX XXXX Law Firm is attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that is invalid because I have never lived there. I did not complete or execute a lease. During this initial process, I completed an application and discussed some general rental information only. However, the company stated a full lease was signed on XXXX XXXX XXXX. On the contrary, I received a voicemail from the company on XXXX XXXX XXXX stating that the lease was incomplete and that some documents were not signed or completed. I also received an email on XXXX XXXX, XXXX, stating that the lease was incomplete. In reality, I only initialed some of the documents under the impression this was part of the application process. 

At this point, I believe there was intent to deceive me by providing a partial lease under the impression of a full lease. The following reasons explain how this incidence created this invalid debt and improper collection due to their deception tactics. To be specific, I believe this company was deceptive in their disclosure of documents when providing a copy of the lease and addendum during the initial application process to get an easy rental. To reinforce this, the company provided a copy of a lease that had key missing pages under the guise of a full lease. The apartments intent was to provide the remaining key documents after the applicant signs documents from initial partial lease and therefore keep the rental process moving. There also seems to be a suspiciously completed copy of the lease now with my signature on it, but it was not by me. 
Nevertheless, I cancelled the application process after I determined that a full lease and key addendum was not provided or disclosed during application process or lease review process. The key addendum stated that rental insurance was required for all future tenants. Since I disagreed with the insurance requirement and this key item was not disclosed during initial process, I did complete the lease. To be exact, I cancelled the application process. 

Even after explaining the situation, the XXXX XXXX law firm has continued to contact me in an attempt to collect 11 months worth of rent on behalf of the property, as well as having it negatively effect my cosigner 's credit and my own credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
OnXX/XX/XXXXI responded to an online balance transfer offer from XXXX XXXX Total Rewards Visa. I transferred the balance of two of my XXXX card accounts, one was for the amount of {$8700.00} and the other was for the amount of {$5600.00}. The balance transfer of {$8700.00} was paid to XXXX but the amount of {$5600.00} was not paid and has not been paid as of this date by XXXX XXXX even though I have been charged and have been making payments on both transfers. After several calls to their customer service a dispute was opened on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating that they were working to resolve the issue but as of this date I have not heard from XXXX XXXX. I have written two letters to the address they provided but still no response. Due to their delay of payment to XXXX card I have been forced to pay the full balance of my XXXX card account. My last letter to XXXX XXXX stated that I have paid XXXX card and no longer want them to transfer the balance of {$5600.00} and to credit my account in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I request a Home Depot credit card ( HDCC ) approximately two and a half year ago, but i never received a letter to granted or decline. In XX/XX/XXXX when i purchase my house, I found out about HDCC, after that I call several time to request the CC but I only received a Fraud Dept. Letter from HDCC to confirm my identity, after I call them and give the code they supposed to send my the CC but never received. 
On XX/XX/XXXX I call the Executive response Office from HDCC to verify the status of my complaint and the address was correct. Today XX/XX/XXXX I spoke to XXXX my case manager about my account number to make a payment, on Purchase that I did on store without the CC, and she told me that they received a letter on mail requesting change my address to a XXXX XXXX XXXX, XXXX. 
At that point I told then it was n't me and I fill a compliant with the XXXX Sheriff Department case # XXXX. 
This company was very neglect from the begging on this account they never sent a letter to confirm the account compromise my Credit report and at this point I never received the CC I do n't have Acct Number, Phone # ( XXXX ) ( XXXX ) they can find my acct using my cel #

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 2017-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. 
I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of  their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this  payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CHASE. THIS HAS BEEN RESOLVED IN THE PAST BUT IS STILL SHOWING ON MY CREDIT REPORT. ONCE THE LEASE WAS UP IN XXXX XXXX, MY LOAN WAS TRANSFERRED TO XXXX XXXX. I WAS TOLD ANY AND ALL OUTSTANDING TAXES WOULD BE INCLUDED IN THE TRANSFER WITH THE PURCHASE OF THE LOAN. THEREFORE I DO NOT OWE CHASE BANK ANY FURTHER FUNDS AS THE BACK TAXES WERE INCLUDED IN MY BUY OUT OF THE VEHICLE LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was away on a birthday trip to XXXX with family and lost my coin purse that held my debit card and my I.D card. Reported it lost when i got back home to Maryland a day later and closed the card down. Bank of America was supposed to send out a new debit card and in the mean time i went into the branch to withdrawal some cash and on the receipt was a huge balance of XXXX i assumed it was some sort of mistake and assumed it would be fixed immediately. Days later i called the banking center and found out about the fraud on my account and i closed my account out. I informed them of me losing my coin purse again and did a full investigation only for Bank Of America to find me at fault. How could i know me losing my card would result in this mess. I have since NOT been able to open any kind of accounts because of this mishap.

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 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX ( the borrower ) suffered a XXXX and is under care. As her daughter, I have tried to work with the lender ( Midwest Loan Services ) in regards to obtaining options to avoid the foreclosure so that my mother can keep her home. I was sent a packet by Midwest to complete and send back in which I did. They informed me they never received the package and will be proceeding with the foreclosure. We were never provided with a single point of contact and continue to make excuses so that they can proceed with the foreclosure.

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 2017-11-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
A little bit of background information, I am an active-duty XXXX in the United States XXXX XXXX with a XXXX XXXX XXXX and have never missed a credit or loan payment in my life. 

During the last week of XXXX XXXX, I heard about how Chase Bank was offering to waive annual {$450.00} fee ( voluntarily going beyond what is legally required that was required in the Military Lending Act ) for their most popular credit card, the XXXX XXXX XXXX. A few days later on XXXX XXXX, I decided to take advantage of this opportunity and apply for the credit card, and was told on the website that Chase would let me know if I was accepted or not via snail mail. Having not heard anything and just wanting to check on the progress, I called Chase on XXXX XXXX at XXXX PM ( PST ), and after a few verifications, the gentleman on the line told me I was accepted and that I was approved for a {$10000.00} limit and that I should be receiving the card very soon. On XXXX XXXX, I received the credit card and quickly went through the prompts to active the card and set it up. I then went out to dinner and used it without any problems at all and have n't used it since. Two days later, XXXX XXXX, I found out that my card had been abruptly cancelled without any notification prior to the event. I then called Chase twice at XXXX AM PST and XXXX AM PST and was told the first time that I should be receiving a letter in the mail better explaining what transpired and that he could not help me further than that. The second time that I called, I went through multiple individuals and agencies attempting to figure out what went wrong. Finally I get to a senior XXXX and get told basically the very same thing that the first gentleman told me, that I have to wait for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My idenity was comprimised by the XXXX data breach. XXXX and XXXX promptly placed a freeze on my credit report as requested. Experian would not place a freeze on my file unless I paid for the subscription of {$24.00} per month. This is extortion and blackmail ; I refuse to pay them protection money. I went on their web site and was first told it was {$3.00}, they rejected payment. The site upgraded me to {$4.00} for the first month and gave me an alternate for the basic service of {$19.00} or the premium service for {$24.00} per month. When I refused it kicked me off the web site. I have attempted to contact an agent and have been hung up on, transferred to auto phone, and placed on hold for 45 minutes. Letters from me have not been answered. I have repeatedly requested for them not to give my personal information out without my written consent. My XXXX XXXX continues to drop and I spend hours a day denying credit applications due to Experian releasing my information.

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 2017-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I am a member of the XXXX XXXX XXXX, and, prior to joining the military, I acquired a loan through GM Financial with XXXX XXXX XXXX for the purchase of a vehicle. 

Since incurring this obligation, I entered the active military service of the nation in the United States XXXX on XXXX XXXX, XXXX. This entry into active military service materially affected my ability to pay. Under these circumstances, federal law prescribed the maximum interest rate which I was to be charged. 

The Servicemembers Civil Relief Act ( 50 U.S.C.A. 3937 ) prescribes a ceiling of 6.00 % annual interest on any obligation under the circumstances described above. This interest rate must be maintained for the entire period that I am on XXXX XXXX, even if I default. The percentage cap includes all service charges, renewal charges, and fees. The rate is applied to the outstanding balance of the obligation as of the date of entry into XXXX XXXX service. Any interest charged above this statutory ceiling must be forgiven, not accrued. Any person that knowingly violates this section may be fined and/or imprisoned. 

Therefore, I have asked GM Financial to amend its records to reflect this statutory ceiling and that any charges in excess of a 6.00 % annual rate are withdrawn. Also, I have asked for a detailed accounting showing the credit I was given for my time of XXXX XXXX service XXXX XXXX XXXX, XXXX to present ) with the 6.00 % interest cap reduction. I asked GM Financial to apply the credit to the principal balance on the loan. 

They received the letter stating above from me on XXXX XXXX, XXXX, and I have received no response. Instead, GM Financial reported the entire balance ( with no amendment ) to the credit agencies as a write-off, and I am now having problems with my security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: CA

Complaint narrative:
Palisades Collection LLC placed a wage garnishment with my employer. The debt is not mine as it originated in XXXX while I was in high school. They advised a judgment was entered in XXXX and I was served of this. Looking at the court documents I have no idea who signed to receive the documents, as I have never had a roommate. The person listed I have no idea who they are. I pulled the 54 pages of court documents and they are all over the place including filing in XXXX XXXX and XXXX XXXX. It is not on my credit report and the attorney stated : " consider yourself lucky it is not on your credit report ''. I spoke with an attorney who advised proper notice was not done and various other issues. I also shared with the creditor that when I received a letter in XXXX XXXX stating I owed them, I responded with a letter requesting proof. I sent via certified mail and confirmed with XXXX received, but they denied receiving it. I have tried to get them to remove and stop garnishment but the will not, so I am working with an attorney in the hopes of resolving. I researched the company and found the the Attorney General in New York XXXX https : XXXX ) obtain a settlement against the parent of XXXX which is XXXX XXXX, XXXX. I now have to try to hire an attorney to clear this up and stop from garnishment my check. I am a personnel XXXX for XXXX XXXX of XXXX and to have this occur is very embarrassing, to say the least. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
reported fraud on my account over a year ago, went through entire bill with chase associate and paid in full all my personal charges. Account was zeroed out and removed from my credit report several months later it reappeared on my credit. Disputed with credit companies and was told several charges where my responsibility, tried XXXX separate times to call, left message with chase to resolve matter. Charges were paid in full that were mine, was told by chase associate that i had XXXX liability for the fraudulent charges. Filed police report for identity theft, attached report. This is a new complaint not associated with complaint # XXXX submitted XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I filed Bankruptcy in 2017. This lady called my work a few times ( after being asked not to ) threatening me, cursing at me. She would not say where she was calling from, expect I owe and they will continue to call me and garnish my wages. She threatened myself at work on my phone and a coworker.

Company response to consumer: Closed with explanation