vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: TX

Complaint narrative:
disputed with company on in XX/XX/2018 company recieved my disputes that same month according to certified mail. It is now XX/XX/XXXX and i have yet to hear back from company. the FCRA gives the company 30 days to respond, i have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with CITI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CITI with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XX/XX/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 explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BRCLYSBANKDE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/2017.

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 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc.
State: NV

Complaint narrative:
I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is not the first time we have had issues with payments with Synchrony Bank. There are two medical loans one from my XXXX and one from our XXXX. Payments were due by the XXXX  of each month. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX ) and no finance charge. On XX/XX/XXXX I made an on-time combined payment of {$210.00} ( XXXX + XXXX  ). These payments show on the Synchrony Bank website however I was charged a {$27.00} finance charge showing a late payment on the XXXX. But my payments were on time. Once again a problem with Synchrony Bank payments. This {$27.00} finance charge must be refunded and an investigation conducted why payments to Synchrony Bank are not recorded correctly.

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 2018-08-18 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: JH Portfolio Debt Equities, LLC
State: IN

Complaint narrative:
This is in response to this company 's last response to my last complaint. I have went back and forth with this company for some time now about this debt. A BILL is not adequate validation for a debt, period. Yet, a BILL is all that this company can produce when they are asked to provide validation. This account should NOT be on my credit report without proper validation. I have offered to settle this unrecognized debt with this company a few different times and got no response. I will pay half of this unrecognized debt if this company agrees to remove it from my credit report in return, as I am only offering to do that in good favor of us both. I am unaware of this debt and have no validation it is mine. If this company can not produce a copy of my signature showing that I am bonded to some kind of contract with them, then this account should be deleted from my credit report immediately. This company will NOT be receiving any kind of payment from me if they do not agree to delete the account from my credit report in return, so they should consider selling it back to the original company, because I DO NOT OWE THIS COMPANY ANYTHING and I HAVE NO CONTRACT WITH THIS COMPANY. This is not an acknowledgement of liability or any kind of admittance for this debt in any way. JH Portfolio Debt Equities and I have been going back and forth on this issue for a while now and I am sure we can both agree that it would be nice to come to some kind of agreement. If not, then JH Portfolio Debt Equities needs to sell my debt back to the original company.

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 2018-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are usual get my credit report without my consent and cause it my credit score to decrease ( hard inquiry ) I need these to be removed from my 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 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I opened a secured credit card account with Capital One on XX/XX/XXXX, with an annual membership fee of {$29.00}. I was never informed by Capital One or any of its representatives that Capital One had a {$0.00} annual fee secured credit card offer. Recently, while online I discovered this information. I called Capital One on XX/XX/XXXX, twice. The first representative said he wrote out a complaint for me concerning this. When I got off the phone I realized that I didn't ask the rep. how long it would take for me to get a response to this complaint. When I called the second time I spoke to a different rep. and I asked for reimbursement for the annual fees I paid, during the time other members paid nothing. She told me that the {$29.00} annual fee was the agreement I made with Capital One. If I would like to, I can open a new secured credit card account for the No Annual Fee Secured Credit Card. She refused to put in a request for an offer of reimbursement. I believe it is unfair that Capital One withheld this information from me. It is unfair that I was charged for the same service that others were not charged for. I believe Capital One is a dishonest company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
While in the process of trying to refinance my home, I found out on XX/XX/XXXX, that I have a lean in the amount of {$21000.00} from FHA/HUD. I made a few phone calls and found that this happened while modifying my loan with Ocwen Loan Servicing in XXXX. A modification that I feel I was forced into ( later ). I reviewed the documents of the modification and nowhere does it state that a lean will be placed on my title, nor anything in the amount of {$21000.00} of being owed at all. It shows the old and new principals, and the monthly payments and rates. I was forced into modification because while awaiting a XXXX hearing I became late on my payments around XX/XX/XXXX. When I reached 3 mos. past due, they refuse all payments, even those above a full monthly payment, and threatened me with foreclosure. They even refused to send me monthly statement for the months of XXXX andXX/XX/XXXX because I was behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-18 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a fraud claim for {$690.00} for a transaction post date of XX/XX/2018. I did not receive any action from Chase for weeks, despite calling consistently to understand next steps. No information was ever asked from me and they had misfiled my claim as a dispute when it was fraud.

I received a notice from Chase that the amount is legitimate despite no explanation or evidence of a billing error. I am not disputing the claim as a billing error. I was charged by someone in XXXX so it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo broke the law by : 1 ) increasing APR on my credit card without any reason - no monthly payment missed by me ever, no any other problems with paying off from my side 2 ) not notifying me properly about the APR increase 3 ) not giving me an opportunity to opt out the changes in the original terms in my agreement with them and not sending me a 45-day advance notice about the increase in APR.

The initial APR on the credit card with wells Fargo was 26.49 %, which was already ridiculously abnormal for a regular credit card with a major bank. 

Then that APR began changing, without any reason and proper notification of me, as follows : XX/XX/2018 : 27.24 % XX/XX/2018 : 27.49 % XX/XX/2018 : 27.74 % Total increase in APR is 1.25 % By filing this claim I opt out all the increases in APR and dispute the difference in APR charged by Wells Fargo on my 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 2018-08-18 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I lost my job couldn't keep with the payment and did have an address to communicate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Did not receive anything in the mail from this company, there was no communication at all

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 2018-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX  opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.

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 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.

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 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For months now this company continues its harassment during work hours and refuses to provide its proof af amount and ownership when it comes to this debt. This company has made threats of exposing me at work and badgers me for a debt they wont provide proof and accounting of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.

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 2018-08-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I went into XXXX car dealership in XXXX  Ohio to look at two vehicles. They were {$15000.00} vehicles. When I walked in my salesperson was not available like he was supposed to be, and the cars that I had an appointment to see were already sold. I explained over and over and over that the {$15000.00} was my budget and I wanted to stick to it. After being given the runaround for an hour I was told that XXXX dealership could do a SOFT PULL on my credit to see what kind of numbers they could work with. I very specifically explained that I have been through a bankruptcy recently that was discharged about a year ago and my credit is damaged and I'm working very hard to improve it so they only have permission to run my credit two times through XXXX XXXX  and XXXX  dealership. After the salesman and finance man sat in the office for almost another hour, they came back with a crazy payment. I said there's no possible way that would be a payment on a {$15000.00} car. I said how much did you estimate the sales price to be? They refused to tell me and they said not much more than the XXXX. After they told me I was denied by everyone I left. The next day I was informed on XXXX XXXX that the credit bureaus are now reporting between 7 and 14 HARD INQUIRIES depending on the credit Bureau from dealerships I have never heard of, lenders I have never heard of, and for a {$30000.00} loan!!!!!!! I sent both the manager as well as a representative who contacted me my complaint, frustration, and nobody will respond to me. I gave them explicit direction to not run my credit more than two times as I had this very detailed conversation with my sales person who also informed me that he went through a bankruptcy in XX/XX/2008 and knew exactly where I was coming from and he guaranteed it would not be ran more than two times. My credit score just plummeted even further because of their neglect and wrongdoing! I did not give them permission to run my credit through all of those lenders and dealerships. Especially through ones that I know I can't get a loan through to begin with because of my bankruptcy. I never would have given anyone permission to run my credit through a bank where I know I can't get a loan in the first place, let alone for an amount twice my budget!

Company response to consumer: Closed with explanation