vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian continues to report 4 old account that are affecting my credit score.  According to New York State Law these were supposed to be deleted already. 

25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX XXXX ( already deleted from XXXX and XXXX  ) XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX ( already deleted from XXXX and XXXX ) XXXX/XXXX  XXXX ( already deleted from XXXX  and XXXX   )

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I called the credit card company to make a payment, and indicated to Chase that I was having financial struggles and it was difficult for me to make the monthly payments. Chase suggested for me to sign up for the balance liquidation program. Chase indicated all I had to do was close the account and pay {$45.00} per month. From there I have been paying {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX. Chase Card services had contacted me several times during XX/XX/XXXX to tell me that my account was past due and that I owe {$45.00} to make it current. I had told Chase I kept my end of the agreement and if they are telling me i owe then they had not kept their end of the agreement. Their reply was I had missed a payment, From there I had said I have my bank statements that say I have paid {$45.00} each month from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a a unverified account from PORTFOLIO RECOVERY # XXXX # XXXX,. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I lived in an apartment complex about 2 years ago. After leaving in XX/XX/XXXX I made sure to clean the apartment before moving away. Being the young XXXX XXXX  that I was I forgot to take pictures of the condition after leaving. I did not hear from the apartment complex managers ever again. Fast forward 2 years, at the end of XX/XX/XXXX I was contacted by Mr. XXXX of XXXX XXXX claiming we still owe damage fees XXXX in total for the apartment we lived in 2 years ago. He reached me through a phone call. I still kept the same number I had 2 years ago. After exchanging emails I asked for a few documents to confirm the damages. He provide a few documents, but no time stamp photos of the damages. After weeks of asking for time stamp photos to verify the written damages he stated that his computer caught a virus years ago and the photos were erased during fixing the computer. After that time I wrote Mr. XXXX an email stating that under California tenant laws states that a landlord must request the payment of damages within a timely manner. Seeing that it has already been almost two years after my move I believe this " timely manner '' had expired. With the time stamp photos I would have no way of believing these damages were caused. I also stated that Mr. XXXX had the means to contact me with a call years ago, but it was his fault he had forgotten about these fees. He had also admit that he forgot the fees and after going through old paper work found them. About a week after this email he sends me six photos that are supposed to be of the apartment I lived in. These photos were not time stamped and when I asked to see more photos of the apartment he did not respond on XX/XX/XXXX. After that day he sends me a new email stating that he will be sending me to collections and needed my address. I was not comfortable giving that information at that time and asked if it was able to email me this paper. He stated no, he was not able to do so and somehow knew my address and asked if that was it. Being a little shocked that he knew where I lived I asked to be emailed the papers. XX/XX/XXXX I come home from work and found the collections paper from Mr. XXXX mailed to my home. I will attach all information that was given to me by Mr. XXXX below in the attachments.

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 2018-07-25 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: DE

Complaint narrative:
I sent a written request to Portfolio Recovert on XX/XX/2018 requesting VALIDATION of a debt that is listed on my credit file. Validation was not received pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). In fact the company refused to investigate the  matter claiming that the issue was resolved. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
There are scammers out there depositing fake checks into peoples accounts. I think that all the banks should hold the check for at least 5 days before releasing the money especially for people opening new accounts those are the main ones getting targeted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING.I have a a unverified account from CMI GROUP # XXXX. I had previously disputed this account. I have never done business with CMI GROUP # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI GROUP # XXXX I DEMAND THIS ACCOUNT BE DELETED UNTIL PROOF OF CLAIM IS PROVIDED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a email from XXXX to see about my dispute. First off I am a victim of major identity theft. Why these people emailing my sending documents to my address? I well Told all three companies to mail me everything. The person who stole my identity has my email address. First they told me that XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX , was right and current. They are extremely Wrong. These companies I never opened. Got a car loan or got credit. It was done by XXXX XXXX who stole my identity. He opened them I am not responsible for these accounts.Did you not get my information well here is the documents. Also I have a credit Freeze, fraud alert on all 3 credit reports. Trains Union and XXXX  aloud banks to inquire my report. The documents are uploaded. I also uploaded my police report and confession letter stating XXXX XXXX confession to the crime. This letter was written by him. He is still trying to get another drivers license from the DMV. He is using my personal information to inquire for credit car, loans. FIX this information NOW!. XXXX  did nothing. I also uploaded my driver license and a copy of a utility bill to prove its me and they are wrong XXXX is wrong. They asked my to upload my driver linces and a copy of my utility bill.

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 2018-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This company was told to stop calling but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2018 I sent a letter to Transunion disputing several inquiries appearing on my credit report. The letter was received by Transunion on XX/XX/2018. To date, I have not received a response from Transunion regarding the unauthorized inquiries appearing on my report. The have failed to comply with the FCRA and provide me with evidence of permissible purpose. Specifically, written authorization which shows that I applied for credit with the company reporting the inquiries. 

On XX/XX/2018 I sent a follow-up letter to Transunion advising that they failed to respond within the time allowable under the FCRA regarding the investigation of the inquiries appearing on my report and there has been no evidence of written authorization by me which would establish permissible purpose.

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 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CHOICE RECOVERY INC #  XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I believe this is a HIPPAAct violation as well.I request that CHOICE RECOVERY INC # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: QuickClick Loans of Illinois, LLC
State: WI

Complaint narrative:
I called XX/XX/2018 at XXXX to talk with a manger to see if I could settle this dept with the company the young lady could not find a manger at the time for me to speak with I was put on hold for 30mins to her coming back on the phone saying the company only has three options for me Is a XXXX dollar offer or 20 payment at XXXX dollers that will add up to XXXX over the amount I own or pay nonthing and theyll going to sue me for the whole loan amount I told the lady I didnt not have that type of money I have XXXX dollers to my name I XXXX and not working and they can have the XXXX I dont even have a place to sleep she said thats all theyre offering I said can I please spread to the manger thats told you that why cant he get on the phone she said he in a meeting I repeat it I did not have XXXX or XXXX for 20 payments Im XXXX and not working she said well well going to sue you and hung up on me than I got a email saying theyll going to pursue any legal action against me the dept is 4years and 2 mos old I was calling for help and I didnt get it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC
State: DE

Complaint narrative:
I have sent written request on multiple occasions tog the XXXX XXXX XXXX XXXX XXXX XXXX requesting VALIDATION of a debt that is listing on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). THD failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MT

Complaint narrative:
Working with Global Lending services to get my account back on track has been a nightmare. I have worked with one agent named XXXX to file an extension and to get my loan payments caught up after a layoff from my job. I was told that my account was at 51 days behind and that making a payment of XXXX would make my account current and I could ask for an extension to be added on the end of the loan to help me get back in the black. I have spoken to this agent 8 times since the end of XXXX. On XX/XX/18 she confirmed the extension and the information we had agreed upon. She told me that I could make a payment on XX/XX/18 - after I get paid from my new job - and everything would be fine with the account. Then on XX/XX/18 she called and told me that I misunderstood and that my payment of {$390.00} was now {$840.00} and they could repossess my car. That isnt what we spoke about!!! I told her that. She said that she would look into it. On XX/XX/18 she called and left me a voice message that you can not hear - and I called back the extension number she left according to my vm text - apparently it doesnt not exist. I then called back and asked to speak to a supervisor so that I could get this resolved. He yelled at me that I didnt know what I was talking about. No one by the name of XXXX works there. WHAT? 
She called me tonight XX/XX/18 and told me that one I make the payment of {$390.00} I can then ask for an extension. This is unacceptable. I realize Im late in my car payment. Im catching up as fast as I can. I just started a new job. Im making back payments. Im asking for your help. Not to be treated like a 6 year old eating ice cream before dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
State collection services in the amount of {$420.00} dollars under dispute since it was first reported to credit agencies in XXXX  2016. Company has repeatedly failed to provide information substantiating debt claim. No account statement or report of any kind has been received despite requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been struggling to pay my private loans with Navient for years, so much so that I filed Chapter XXXX in XXXX to eliminate other debt just so I can pay them, because they are the only company that i've had debt with that wouldn't give me options to repay them and I never want to have them garnish my wages, because they are not flexible with payment options at all. I've been making payments with Navient as far back as XXXX, and even when I was unemployed they still required me to make payments. I have been on repayment plans with them for years, though I couldn't afford it. For the first time in years, I couldn't pay them for two months. I called to see if there were possibly any options and they told me there are not and since I accrued new debt ( based on them viewing my credit score ), a vehicle, that they would not give me any repayment options or lower my payments because the debt I accrued was considered high, so they are not going to offer me any options. In other words, even though I needed a vehicle, I should have got a cheaper loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I reported my Lowe 's Advantage card lost and the account was closed on XX/XX/2017. No purchases was made on the card, as it was never activated. A new card was issued on XX/XX/2017. The closed account is being reported on my credit report by the credit reporting agencies. I contact XXXX XXXX asking them to remove the closed account from my credit report, as I never authorized such by contract or otherwise. A representative informed me that they would contact the agencies to removed the information from my report. I received a letter from XXXX XXXX that the account may stay on the Credit Bureau for 2 years. Without Prejudice

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler Pressler located in XXXX New Jersey harasses me with phone calls and threats for a long time. They they took me to court but I did not receive notice because I moved. They won in court because I didnt know about the case. My check has been garnished, I tried to fight it in court but the XXXX County Judge told me too late, too bad. I have had my check garnished for approximately 3 years even though I know Pressler Pressler has been proven guilty of unethical practices many times over. I would like to be able to stop this illegal garnishment, and receive all monies paid to them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently opened up a Chase account approximately 2 weeks ago in New York. I have been having issues with Citibank for years now and I decided to make the switch. I really liked Chase and the accessibility they had all over the world. However, to my dismay, I received a letter in the mail today stating after careful consideration, we have determined that we can no longer support your banking account ( s ) and will be closing it on XX/XX/2018. Im not sure what happened. When they first open a bank account, they go through XXXX XXXX and they check your credit, etc. All of that was clear and my credit was 780+. Im XXXX XXXX in the military and this is going to be my primary bank account and has been routed through my military profile already. Im not sure what I may have done or why they are closing this account but I really need this account as I closed down my other one already. Its really not fair as I have great credit and a high security clearance in the military plus I was in the process putting tens of thousands in the bank. I have an auto loan with Chase whom Ive paid on time perfectly for nearly 4 years now. Honestly, what is going on? I went into my branch today and Chase refuses to release any information to them and the people on their phone lines at XXXX are so rude and disrespectful. They said sorry, you can never open an account with Chase again. If that is true, and if that is how Chase Americas primarily bank decides to treat XXXX XXXX military, then Im going to file a lawsuit in small claims court. Because its a blind-eye discriminatory policy which theyre not disclosing and it severely impacts peoples finances and family health. I serve this country, and now I have to fight to keep money safe into a bank account? Are you serious? Please fix this Chase.

Company response to consumer: Closed with explanation