vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.

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 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I get a daily automated call on my cell phone and home phone number from XXXX XXXX XXXX. I don't know what this is for as I don't have any debt. I used to get a call from a guy name XXXX but that is not me. I don't know who this person is but someone keeps calling me and harassing everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Conn's, Inc.
State: AZ

Complaint narrative:
XX/XX/2018 called from unknown number indicated that they are " XXXX XXXX   '' advised that they have court documents, but no law suit has been filed with county, company is not located in the same state, the debt is past the statue of limitations to file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Apartment complex I previously lived at imposed a debt long after I had left. They stated there were damages to the property. There is no proof in receipts of work done or actual damages. I am requesting to have this collection removed and dismissed. This is a tactic by apartment rentals to nickel and dime. I left the apartment in excellent condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: RI

Complaint narrative:
In what appears to be an annual attempt to flout ethical and advised practice, Home Point Financial has again chosen to pay in full local, real property taxes from escrow, as opposed to spreading the escrow on a quarterly basis. For three consecutive years, we as the borrowers have requested in writing that the local property taxes be paid from escrow each quarter, as the tax bill is conveniently designed with quarterly amounts. This would allow for time to replenish the escrow account. Instead, the company has ignored their own previous agreements to do this, choosing to pay the tax bill in full, the same month as the homeowner 's insurance is also paid from escrow, and just before they conduct the annual escrow account projection. This ensures for them that an escrow account containing a significant surplus is sufficiently depleted at the time the company calculates the projected payment for the year, guaranteeing an average increase of between 18 and 24 percent per monthly payment. 

In XX/XX/XXXX, an additional payment, in the amount of {$1800.00} was sent to the Lender with a signed notice that it be applied exclusively to escrow to avoid further payment shock. It was not applied to escrow. 

A letter explaining the hardship caused by a fixed rate mortgage with a perennially surging monthly payment was sent in XX/XX/XXXX. As was a similarly exhaustive explanation of the problem conducted in XX/XX/XXXX. Many hours have been spent attempting to contact and resolve this issue, with good faith solutions proposed by the borrowers to avoid this by simply paying the annual tax burden in quarterly increments. Yet, each year we receive shocking notification of an unexpected and unmanageable increase in monthly payment, impossible to budget for, causing untimely payment and threats of default and foreclosure. 

I am always hesitant to believe malicious intent over the far more likely answer of the path of least resistance to explain why each year Home Point acts as though they have never heard of our cries for relief of this unnecessary practice of depleting escrow as much as possible immediately prior to calculating the next year 's escrow projection. Yet, after three consecutive years of losing sleep over the threats of losing our home, I can no longer believe that this practice is anything other than by design. Property values in our neighborhood are rising quickly and the economy suggests short term investments are more profitable than long term investments. Mortgage interest rates are going up. Therefore, to exploit a loophole in the fixed rate mortgage contract and force a middle-class family from a home in a high real estate value neighborhood inevitably yields a quick profit for a company that has not demonstrated scrupulous behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX 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 XXXX XXXX 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 XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018

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 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I opened an account at BB & T bank in order to be able to manage my social security banking. I was sent an official check but the Treasury Department and my check was put on hold for over a week. They said its because I have a new account but I tried to make a deposit at the atm and my account has been frozen until the hold is taken off of my account. I have been in contact with the bank and each time I try to fix it the situation seems to become worse for me. This company is holding my funds hostage and its a shame. Im am on XXXX and the stress of all of this has become too much.

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX  Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ridge & Valley Realty, Inc.
State: FL

Complaint narrative:
No verification has been received on this account through this company, this is inaccurate and false and NO verification XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RECOVERY # XXXX, # XXXXI have a a unverified account from PORTFOLIO RECOVERY. 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 Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I opened a Bank account with XXXX  XXXX XXXX about 2 years ago, shortly after opening this account I was the victim of theft of my XXXX, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when XXXX  XXXX XXXX called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from Chexsystems on my consumer report. I followed all of the directions given to me by both XXXX XXXX XXXX and Chexsystems. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both XXXX XXXX XXXX by mail and to Chexsystems by Dispute. I have made at least 4 disputes to chexsystems and I sent a XXXX dollar bill in the mail I sent to XXXX XXXX XXXXXXXX with the police report they specifically requested for the removal of my name from Chexsystems. I called the risk department 2 months after mailing in to XXXX and they claimed they never received my report and money. Chexsystems has also failed to send the information to XXXX as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.

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 2018-07-26 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: Avant Credit Corporation
State: NJ

Complaint narrative:
the company involve system pull your credit when they state on there site it doesnt affect your credit to pull or check for a credit card or loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: MI

Complaint narrative:
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX  Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}

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 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
Unknown account and inaccurate, I have disputed with nothing received back Avante XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: U.S. BANCORP
State: KS

Complaint narrative:
I WAS TRYING TO GET OUT OF MY TIMESHARE AND WAS CONTACTED BY SEVERAL COMPANIES TELLING ME THEY HAD A BUYER FOR MY TIMESHARE AND I NEEDED TO PAY THEM A CERTAIN AMOUNT BEFORE BEING ABLE TO HELP ME. I TOLD THEM I WANTED TO READ THERE CONTRACT FIRST BEFORE GIVING THEM ANY MONEY BUT THEY SAID THAT I HAD TO PAY THAT DAY OR THE PRICE WOULD GO UP, HOWEVER THEY ALSO TOLD ME THAT I WAS ABLE TO CANCEL IF I DECIDED TO DO SO. I WILL LIST THE COMPANIES THAT TOOK ME FOR MY MONEY ; XX/XX/XXXX XXXX XXXX XXXX- XXXX PAID WITH MY DEBIT CARD THROUGH US BANK XXXX XX/XX/XXXX XXXX XXXX CHECK THROUGH US BANK XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK THIS IS ALL THE MONEY THAT WAS TAKEN FROM ME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
After 18 disputes with XXXX credit reporting agency, and their failure to remove information from my current credit report, they have acknowledged that the information of inaccurate public record information was supplied by LexisNexis risk management and XXXX XXXX. 

In a direct correspondence with LexisNexis risk management, they responded that no such information bearing my name should be reported, and still it is reported, and based upon a response from XXXX onXX/XX/2018 XXXX  stated that the information was supplied by LexisNexis, which is in contrast and opposite of what was written and reported by the direct contact to LexisNexis. 
In that this information ive been unfairly reported inaccurately on, and the only solution is payment for 17 separate violations or advising Experian to remove such information as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Contrary to the following : 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer. 
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I started a Savings and Checking account with Chase in XX/XX/2016. When I started the account I was never told there will be a monthly fee for the savings account. I primarily managed the checking account on a regular basis and didn't really manage or monitor the savings account as I didn't really have a need for it. I recently found out the bank was deducting $ XXXX/month from my savings account as 'Fees ' which I wasn't aware of. I complained to the bank that the fee was never disclosed to me and the branch manager credited {$60.00} to my account and stopped taking the monthly fee from my account. He said he could reimburse only up to 3 months of service fee and if I needed more I would have to escalate. I escalated the issue as they suggested and after a lot of discussions going back and forth they reimbursed another {$60.00}. They had deducted a fee of $ XXXX/month for 15 months ( {$300.00} ) and they reimbursed me {$120.00} when I complained. I believe Chase should reimburse the entire amount they charged me as the fee was never disclosed to me when I opened the account. I am hoping the agency will investigate this and hold Chase accountable for over charging their customers without their permission.

Company response to consumer: Closed with explanation