vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}. 

They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account. 

I contacted PRA through my lawyers. 
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA. 

PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it. 

Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent. 

Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later! 

I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first. 

I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX I received {$460.00} in my account on XX/XX/XXXX. My account was limited and I had to wait XXXX. I received an email stating my account is eligible for withdrawal. I tried adding my new bank account and credit card and, was n't able too.Check request is not an available option.I called customer service and which they requested me to upload the new bank statement and ID so they can add the bank on their end since the bank on file is no longer active. They stated they not able to issue a check. On XX/XX/XXXX I received an email stating they can not add my bank do to the limitation on the account and that I have to contact legal services for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: VA

Complaint narrative:
First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
Car loan paid off XXXXX2017. Still reporting to CRAs as not paid. Credit report showing I have two car loans after refinancing. Inadequate information is seriously detrimental to my credit. Prestige Financial is very poor costumer relations and business skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a XXXX XXXX card, and we redeemed on line for XXXX earned points for 3 {$100.00} XXXX e-gift cards, with the codes supposed to be delivered within 3 days by email. This was a Saturday XXXX/XXXX/XXXX and when the codes did n't come within a day - which they have before- we called XXXX customer service and rewards # s on the website. There was no option to email. We were told it could take through til a business day, which would have been XXXX, for the e-codes to be redeemed. We waited until Wed XXXX/XXXX/XXXX, about XXXX CST, to call again at the number listed and were told that rewards is closed, on a week night, and no one can help us - no supervisor available and that XXXX customer service can do nothing. The rep on the phone also said she was the only supervisor for XXXX that I could speak to, and that there is no one else. 
My complaint is this -- poor customer service that in redeeming rewards, there is no one to speak to during the business week, outside of normal business hours. XXXX CST is ony XXXX PST and even earlier elsewhere in the world. How can customers have no one to speak to, when more than {$300.00} in rewards is outstanding and no one provided any service. 
We plan to close this card as soon as all the rewards issues are resolved and all redeemed. XXXX is supposed to be a premium card- they should always, always have rewards redemption help available and an escalation process to submit an issue. Not acceptable for a fee based card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
My account with HSBC # XXXX is showing as derogatory Information but marked PAYS AS AGREES. They need to prove to me there was late payments and when!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC
State: AZ

Complaint narrative:
Fair Debt Collections Practices Act ... .was violated on XXXX/XXXX/XXXX at XXXX and on XXXX/XXXX/XXXX at XXXX when this company called XXXX XXXX XXXX attempted to contact me again after I told two people for the company to cease and desist all calls ... .seems that they have a third party company from XXXX contact you first then your transferred to a rep at XXXX XXXX XXXX ... .I told them to cease all calls on XXXX/XXXX/XXXX at XXXX call duration 1minute 12sec ... .I felt threatened and harrassed by this company ... .I want to be compensated asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CONDOR CAPITAL CORP
State: GA

Complaint narrative:
I have filed Chapter 7 in XXXX and I included all debt excluding my car, XXXX XXXX XXXX financed by Condor Capital. I have voluntarily been making payments on this vehicle since XXXX. I have been contact with the company that has taken over Condor Capital since they have closed. I have been mainly in contact with them recently because I am in the process of purchasing a home and I needed to eliminate some debt, after speaking to several people in the billing department I have learned that they allege my balance to be XXXX as of XXXX/XXXX/XXXX. I have offered to make a settlement with this company in exchange of the lien being removed and they referred me to my the attorney who filed the bankruptcy. I also have not received and receipts or updates about my account since they have taken over. I have also asked once the allege amount is paid how will I know or how will I receive the title to this vehicle and they informed me that they would mail out documents that I would submit to the DMV. I also asked if I wanted to give the vehicle back what and how to handle that issue and i was again referred to me attorney. I need help with resolving this account, I truly do not believe I owe this allege amount which is why I am trying to offer a settlement.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I called the agency to advice of my dispute the first representative was very rude and became irate after advising her I was disputing the debt I was only notifying them why I was disputing since she seemed bothered by my call I wanted to make sure my file was documented correctly and placed on the right status. I decided to call again maybe the colector was having a bad day. When I called again That call was even worst the gentleman nearly verified who he was speaking with he kept muting the phone ( Im sure he was speaking to the other representative ) I asked for the time being to place a cease on my file he just said ok and hung up on me. I was bothered by the way I was treated and felt I wasnt being helped and treated unfair as I was just stressing my concern and dispute in my file. So I decided to speak to a supervisor to see if I could get some help But that was not the case I was treated unfair and feel they were being abusive in the way they were treating me without a reason. As I advices the representatives it is not personal I just wanted my account reviewed further in reference to the charges I was disputing. Which is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card, and they charge a {$49.00} annual fee. But, since XXXX  XXXX recently acquired XXXX XXXX, they are discontinuing the credit card, effect XX/XX/XXXX, approx. 

I called to cancel the card, but now say I still owe the {$49.00} fee, but it will be prorated. 
I want it canceled, and I do n't think I should have to pay the fee for I wo n't be using it, nor have any services available to me. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14 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: TX

Complaint narrative:
On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: IL

Complaint narrative:
I have had a loan with ACS loan company which should now be Conduent? I have tried contacting them and their website service for logging in but it has been unavailable for a long time now. I have had an automatic payment with them for the last 5 years and have paid on time for every payment. This last payment did not go through and I can not get ahold of them. I gave them my SSN but their automated response is that I do n't have an account with them. I want to pay but I do not know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: Capio Partners, LLC
State: FL

Complaint narrative:
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The XXXX, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and XXXX XXXX XXXX and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief