vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: KS

Complaint narrative:
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with  XXXX . I discovered the theft in  XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (  XXXX  ). I immediately contacted   XXXX   XXXX   XXXX   and  XXXX  and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the   XXXX   credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called  XXXX  to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the  XXXX  card. The thief transfer funds from   XXXX   twice. When I spoke to  XXXX , they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX   completed their investigation and found the account was a case of Identity theft and released me of the debt. However,  XXXX  declined my case and continued to harass me and my family. I submitted another letter to  XXXX  along with a copy of the release letter from   XXXX   XXXX   XXXX  .  XXXX  did not response to my letter, but submitted my case/debt to Northstar Location Service, LCC ( a debt collector ). Now I am getting harassed by Northstar. I have discussed the issues with   XXXX    multiple times over the phone, submitted multiple reports, and bank documents.   XXXX   continues to seek funds for an account I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accudata Credit Systems LLC
State: MO

Complaint narrative:
I would like to begin by saying that this is common practice for the landlord associated with the complaint, who houses approximately  XXXX  students in  XXXX , MO, every year. If they know you are graduating, they send you a notice of damages knowing you will never be their customer again, knowing most people will pay. Of  XXXX  fellow graduates and tenants that I spoke with, all have experienced the same issue. This is rampant abuse of the system.
 XXXX 
I leased an apartment from   XXXX   XXXX   XXXX   XXXX   XXXX  . The lease ende d  XX/XX/XXXX . O n  XX/XX/XXXX , I received notice from  XXXX  in the landlord 's accounts receivables division that I was being charged {$160.00} for 'damages ' to the unit I leased. There were no damages to the unit, and this was confirmed orally by their leasing agent,  XXXX , to my roommate,  XXXX , at the commencement of our walk-through on  XX/XX/XXXX .   XXXX    was not provided with documentation of the lack of damages. More relevant than the lack of damages is the state of Missouri 's requirement of landlord 's to deliver notice of damages within 30 days of the termination of the lease. See here :   XXXX   XXXX   XXXX   XX/XX/XXXX J XX/XX/XXXX , and I received notice of damages on  XX/XX/XXXX . I quoted the relevant statue provided above to  XXXX  in accounts receivable, expressing that I would not be paying for the damages. According to  XXXX , my 'debt ' was sent to collections company Accudata on XX/XX/XXXX . I never received notice of this 'debt ' from Accudata.
 XXXX 
My father, however, did receive notice, and received a derogatory mark on his credit report, too. He disputed the debt with Accudata immediately by mail, expressing that  XXXX  was too late in reporting damages to us according to Missouri statutes. Accudata replied by sending back images of supposed damages.
 XXXX 
The derogatory mark from Accudata exists on our credit reports to this day, and we have still not paid said 'debt '.   XXXX   XXXX   XXXX   XXXX   XXXX   is a subsidiary of   XXXX   XXXX   XXXX  , and operates under the '  XXXX   XXXX   XXXX   ' brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of   XXXX   XXXX   and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with Barclays. I discovered the theft in XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (   XXXX   ). I immediately contacted   XXXX   XXXX   XXXX   and Barclay and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called Barclays to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the   XXXX   card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX    com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from   XXXX   XXXX   XXXX  . Barclay did not response to my letter, but s ubmitted my case/debt to   XXXX   XXXX   XXXX   XXXX   ( a debt collector ). Now I am getting harassed by  XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.

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 2017-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have accumulate points which I wanted to redeem ; the amount was the equivalent of {$100.00} (   XXXX   XXXX   dollars ) towards deposit to one of my accounts or an equivalent of {$50.00} towards a restaurant or gift card from   XXXX  . I was promised it would take less than a week. The first telephone contact was on or about   XXXX   XXXX  , 2017 ; I was told to call on   XXXX   XXXX   to confirm ; I called, I was told to call back on   XXXX   XXXX  , 2017. I have been calling, I am being promised but NOTHING IS HAPPENING, I BELIEVE I AM BEING LIED TO.

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 2017-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A  XXXX  Scammer from   XXXX   mailed me a counterfeit check which I deposited into the Chase bank on   XXXX   XXXX   XXXX   in  XXXX , IL. Chase then closed this account and sent it to collections. I sent chase a check to pay this off recently to   XXXX   XXXX   and have offered them other methods to pay off the debt and bring an account with my name on it into the positive and they refuse to. Why is everyone giving me a hard time? Either by scamming me or not accepting my forms of payment? Why dont the scams in our media i.e. ( internet, mail, tv, and e-mail etc.. stop? ) I do n't want to harass Chase bank I want to have legit money because what can you do in this world with no money? Right?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received my welcome letter from Shellpoint, my new mortgage servicer, stating that " we 're concerned about your recently missed mortgage payments and want to offer our assistance in case you are unable to catch up ''. " This information may be reflected in your credit report ''.
I had never missed a payment with  XXXX , since  XX/XX/XXXX  when the loan modification began. I just completed bankruptcy the month prior to receiving Shellpoints letter, in XX/XX/XXXX . The trustee of my bankruptcy did an audit, so that I knew I was not behind on any payments and all my debt was paid off, when my bankruptcy was discharged,  XX/XX/XXXX . When I called Shellpoint, they told me I was {$11000.00} in arrears, and I could be put on a payment plan. They said I could not refi because I just came out of bankruptcy. They wanted a copy of my loan modification. I sent email with attached loan modification, showing my loan was on 40 year fixed rate of {$1500.00} a month until  XXXX . Shellpoint set up conference call with me but nobody called back, so I 'm not sure what is happening After I read peoples experiences with Shellpoint on  XXXX , I am very concerned about my new mortgage company and do not want to do business with them. I sent email to my previous mortgage service company and requested a payment history to see what is going on, since late payments are not showing up on my credit report.
I have attached documents supporting conversations between myself and Shellpoint

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 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I am sumiting this complaint on my mother morgage with Banco Popular de Puerto Rico ( BPPR ), she pass away on  XX/XX/XXXX  i am the sole surviving son and executor of her last will and testament my residence is in NYC USA payments where miss and on a visit to PR for house maintanance discover Court papers to procede with sentence on the auction of the property, got in contact with the Lawyers that submitted the testament for advice and hire them for representation in PR, and temporarily has stopped the process.Since that time numerous attemps to reach an agreement or accomodation has not been offer or not even answer, from the begining i have stated that im willing to continue payments on the morgage my bank (   XXXX   ) send two checks {$2000.00}, {$220.00} to cover until  XX/XX/XXXX they proceeded to refund those checks on behalf on my deceased Mother to the address of the residence which is uninhabited by regular mail, in my view completely inproper and close to " mail fraud '', i don`t earn enough and have no collateral, meanwhile the days keep passing, lawyers continue billining and ( BPPR ) continues sending account statements but don`t allow to update the account

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 2017-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I 'm being charged a monthly interest fee, as well as more than half my payments to interest. This is not the only company doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.

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 2017-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I had a   XXXX   XXXX   while I was under wage earner. The loan was with drive financial. The name changed to Santander through the courts. Case number   XXXX   XXXX  . These changes were made without my knowledge in  XXXX . My   XXXX   XXXX   was totaled on XX/XX/XXXX . I 've submitted the police report number. I just found a copy Of The credit report that I filed in  XXXX . I found the account number for Santander. I was discharged in  XXXX  from the above case number. When I learned that I am a victim of identity theft. I changed my name in probate court to reflect my maiden name, which is  XXXX . I kept my married name, it 's  XXXX . The   XXXX   Family have stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/   XXXX   XXXX   XXXX   and they responded on  XX/XX/XXXX , I still waiting for their account to be deleted from all  XXXX  major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
<P/>
 XX/XX/XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , D.C.  XXXX  RE :   XXXX   XXXX   XXXX   XXXX    ; CFPB Case # :   XXXX   Account Number :  XXXX  Original Creditor :   XXXX   XXXX   Current Owner : Pinnacle  Credit Services , LLC Reference Number :  XXXX  Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received  XX/XX/XXXX  rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   
(  XXXX  ) is the servicer of this Pinnacle account and began servicing it on or about  XX/XX/XXXX .
Please note that   XXXX   takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX  with   XXXX   XXXX  . The last payment was received on  XX/XX/XXXX . The account charged off on  XX/XX/XXXX  with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the   XXXX   major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the  XXXX  major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
 XXXX  received the multiple electronic disputes that   XXXX   XXXX   submitted through one or more consumer reporting agencies.   XXXX   has responded in a timely manner and provided the agency with information relevant to his dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My son, who is a military service member stationed in XXXX, wire transferred me {$750.00} from his XXXX account on XXXX XXXX, 2017 to my checking account with JP Morgan Chase. I received an email from the QuickPay team at theJP Morgan Chase bank on XX/XX/XXXX ( XXXX 's time is ahead of New York time ) confirming that a transfer was in process and that it would take 1-2 business days for the money to be transferred to my account. However, when I did not receive the money I called them and they said that the money had been deposited to an account which had my email address ( the same email address used in the transfer ). They could see the name of the person the money went to. I told them I still had access to that account and was still receiving emails but they said there was nothing they could do, that XXXX was responsible. My son called XXXX, who said that because he had authorized the transaction, JP Morgan Chase was responsible. I called Chase numerous times, my son called both XXXX and JP Morgan Chase several times and we even conferenced-called JP Morgan Chase. However, their response has been the same all the time - they can do nothing about the money transfer to the wrong person. To-date, I have still not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX  I reported incorrect credit reporting by Wells Fargo.
In   XXXX    The final payments requested were not loan payments but disputed fees not subject to credit reporting.
In response, rather than correcting the information the bank retaliated and posted new negative information causing a lower credit score.

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 2017-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
In  XXXX   XXXX   2017  i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor :  XXXX  and the debt is continuing in my credit report like collection debt. I sent the proof to  XXXX  that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing is over-collecting for property taxes and they have misapplied our  XXXX  mortga ge payment. I have attached a letter providing all of the details.

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 2017-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My friends and I were visitng  XXXX  and purchased gemstones from a jewler on  XX/XX/XXXX  and  XXXX  2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of  XXXX . We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by  XXXX  to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Capital One ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation