vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 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: GA

Complaint narrative:
I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TN

Complaint narrative:
This company is reporting inaccurate and derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: IL

Complaint narrative:
I had identities fraud and froze my credit report and still received threatening calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
lvnv funding llc.calling me alltime or the day and night damge my credit report raised a mount that hold them I never took any credit from them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX  and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX  XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in 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 2018-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This will be the THIRD time this year my card has had unauthorized funds taken out by a theif. When I contacted chase I was advised a credit would take place to only have them ( without any explanation ) take the funds back out of my account! 

The most recent transaction : XX/XX/2018 Debit card lost/stolen I received an email from chase which stated suspicious transactions and requested confirm the transactions and or contact them. 
I contacted chase accordingly and quickly learned that 3 transactions had been made, with out my knowledge from an unknown party/theif. 
I was advised a credit would be placed and a new debit card would be issued. 
I now have received a letter from chase in the mail that reflects yet again that they are taking the funds out that they credited for these unauthorized charges!! 

There is no explanation in this letter as to why they are doing this! The letter is dated XX/XX/2018 and I just received it today XX/XX/2018 and they plan to take the funds XX/XX/2018. 

I attempted to contact Chase customer care to get a better understanding why I was being forced to pay for a transaction unauthorized and I was hung up on a total of 8 times. No explanation once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico 1. Closed my applications due to its own excessive delays 2. Delayed approving or denying my application 3. Failed to alert me in time about incomplete application 4. Offers a Loss Mitigation Trial Period if I desist from my counterclaim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GMA Investments, LLC
State: OK

Complaint narrative:
My account with XXXX  was sold to XXXX XXXX XXXX ( XXXX ). THEY turned the account over to XXXX XXXX for collection. XXXX XXXX contacted me at work and me telling them that I could not speak to them at that time, proceeded to call right back. After work hours I called them back ( Ms XXXX ) and requested that written documentation of the debt they were attempting to collect be mailed to me. I was told that no they were not going to mail me anything. I owed the debt and they were proceeding to verify my employment to sue me. She then hung up on me. I called right back and asked to speak to a manager. Again I was told there was no manager available and that they were not going to mail me anything but proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a balance transfer made on my Citi double cash card because of a 0 % offer that last till XX/XX/XXXX. I have been making just the minimum payments of the amount of {$25.00} for a few months and then I made a purchase for {$500.00} on XX/XX/XXXX and made a payment subsequently for the same amount before the statement period ended. I was charged a minimum interest charge of {$.00} even though I paid the purchase balance in full before closing date. I contacted the rep from XXXX and the rep could not figure out why I was charge this fee and so I was given a reversal credit for that amount. Now I continued to make purchase for the amount of {$1100.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX, made a purchase for the amount of {$25.00} on XX/XX/XXXX and made a payment for that amount on XX/XX/XXXX. This is all before closing date. The statement comes and I have been charged {$1.00} in interest charges. Contacted a Rep and was told this can not be reversed and was told I had a purchase balance of XXXX and only paid {$1100.00} even though I made purchases of {$1100.00} and paid that in full plus the minimum amount that pay every month. I told them that this is fraud and explained the math did not add up and I did not owe them {$1300.00} in purchases but {$1100.00} and paid in full before the statement end. This repeated pattern of where they bogusly charge an interest fee where they shouldn't I find to be fraudulent. A full investigation of their practice of such fees has to be done. An average person probably would not even take notice of a small interest fee but it adds up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
In XXXX, I switched my phone service from XXXX to XXXX. XXXX offered a promotion to pay off any balance owed to an individual 's current provider to switch to XXXX. I went into the XXXX storeand confirmed with a XXXX representativethat XXXX would pay XXXX. The representative assured me that no further action was required from me. 

In XX/XX/XXXX, I received an email from XXXX stating that my account was delinquent and in collections. This was the first I received notice that XXXX had not paid the {$270.00} balance, since speaking with the XXXX representative in the store. I called XXXX to explain the situation. After several phone calls between XXXX and XXXX, XXXX agreed to issue a pre-paid visa card with the amount listed on the final XXXX bill. I then called XXXX to have them send me a physical copy of the final bill. I explained that XXXX would pay the outstanding amount with a copy of the final bill that enumerated the unpaid amounts. XXXX refused, stating that they no longer had that information on file because my account had gone to collections. I subsequently sent XXXX a letter requesting that they validate the debt, which did not happen. 

I ran my credit score through XXXX  recently and discovered that a new company, XXXX XXXX XXXX , XXXX, appeared as a negative report. I contacted XXXX and learned the they were attempting to collect the XXXX bill, despite providing no notice aside from damaging my XXXX XXXX. I explained the situation to the XXXX representative, but the representative simply repeated his generic script. Speaking to a manager resulted in a similar unwillingness to help rectify the situation. 

In short, I am at the mercy of these companies. I have attempted to resolve this issue with XXXX but have been met with indifference. XXXX continues to demand payment from me for a debt that belongs to XXXX, evidenced by XXXX  willingness to issue payment for the debt. My credit score continues to suffer harm simply because due diligence is inconvenient for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I met with Wells Fargo at their XXXX XXXX branch back in XX/XX/XXXX The objective was to close out and obtain the contents of my deceased mothers safe deposit box I was not aware that my mother had a box, but as the executor of her estate I received an unpaid bill for the box from Wells Fargo I met with the Wells Fargo manager to drill the box and obtain the contents When the box was drilled it was discovered that there was no box Wells Fargo records showed that the box was as active When we discovered the box had been emptied I asked to see the records of who was the last person to have access to the box ... .Wells Fargo had no records I asked the manager to investigate but its now been over 6 weeks and they have reported nothing to me I believe my mother kept her jewelry in the box I believe that Wells Fargo my have stolen the contents Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
My fiance and I moved from XXXX XXXX, Texas to XXXX, Texas in XXXX. We had closed out the utility service and gave them a forwarding address. When we called and closed the account we had paid a final payment, and was told that the account was closed and that what we paid was the final bill. Because we are talking about purchasing a house, I wanted to check my credit report. I realized that there was a bill in collections. I immediately filed a dispute with XXXX and XXXX. I had never received any further contact from XXXX XXXX XXXX   after we had called to close the account. We were unaware that we even had an outstanding bill with them. Over a year later, they sold the bill to Credit Systems International. This debt has been in collections since XXXX. We have never received any notifications that we had a debt in collections. We have never received a debt validation letter notifying us that we had something in collections. XXXX immediately reversed the collections on my credit report, but XXXX is saying that they verified that the debt is mine. Three years later and I have never been contacted by this company via mail or left any type of voicemail letting me know that I had an outstanding balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: eCon Credit LP
State: FL

Complaint narrative:
I opened accounts with XXXX XXXX and XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX  balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to support @ XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with XXXX on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to XXXX, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-11 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: CT

Complaint narrative:
I have had this item on my report since XX/XX/XXXX called " Dept of Treasury '' to the tune of {$37000.00} on my Equifax report. 

I have disputed this item several times, in 48 hours flat every time it comes back as " Verified '' considering it is pure fraud I'd love to know how that is possible, but of course Equifax will not share how it " Verified '' I have demanded to see my signature on this alleged " debt '' no signature was every produced yet it " verified '' In XX/XX/2015 New York State attorney general XXXX XXXX stated " The bureaus often outsource thousands of disputes daily to workers overseas who generally are told to translate the problem into a two- or three-digit code that is fed into a computer ; the code and any documentation are sent to the creditor. If the creditor verifies the information, no further investigation takes place '' This was to change but it appears it is still happening today over 3 years later ... ... 

No one is governing these people no one is enforcing ANY rules up them. 

Force these companies to show a signature or remove it. 

In todays world, the consumers input is less important than the bank or collectors input, said XXXX XXXX, credit expert at XXXX, adding that the credit agencies always take the companies word over consumers. The attorney generals settlement changes that. 

Let 's be honest this is a BUSINESS and the collection agencies PAY for this type of reporting, WE as consumers are not Equifax 's customer, they are!!! This is nothing shy of monopoly on credit reporting fraud. 

I have sent notarized letters to XXXX XXXX - XXXX XXXX XXXX - XXXX customer Care XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX and most importantly XXXX XXXX Both Via email and USPS mail to each and every one of them I have got ZERO response on this issue however in the time since I have had TWO disputes " Verified ''

Company response to consumer: Closed with explanation