vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX I sent {$160.00} to XXXX XXXX ( XXXX ) for two XXXX tickets that were posted for sale on XXXX. My understanding was that XXXX knows the identity of both parties and that everything is backed up by the banks. Mr XXXX also send me an invoice and I paid it. As soon as I transferred the money, XXXX disappeared, he cut off all communication with me and never heard from him again. I ended up getting tickets from another source and at half time I called chase trying to find a resolution to my situation. I was told that they could not help me out. That these transactions are not back up by their fraud protection and that I should only use this service with people I know ( family and friends ). That if anything I should reach out to my local police department and file a police report. 

They are giving thieves a golden opportunity to prey on the innocent. I dont understand why a company with so many transactions isnt doing anything to protect the customer. Or at least work with them to bring justice to the situation or identify these scammers in order to make this stop. 

To just give a blind eye to this problem is just ridiculous to me. If I had the power and the resources to make things right ( which XXXX and the banks partned with them do ) I would Until then - these criminals will continue to get away with stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are! This is my THIRD time reporting them to a higher agency/bureau. I've given them my social yet they state I haven't given enough information? That's 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 2019-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

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 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Experian can claim to verify this alleged debt when the Collection Agency itself can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XX/XX/XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action. 

If you continue to list the disputed item on my credit report I will find it necessary to sue Experian for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely

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 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My Lowe 's store credit card is managed by Synchrony Bank. They refuse to send me paper account statements by USPS, or an email, and then claim that I owe a {$25.00} late fee when my payment is not received by the due date. I have repeatedly notified them that they need to notify me when there is a balance due but they continue to ignore those requests.

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 monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have reviewed my credit report several times and collection account from Commonwealth Financial continues to reflect negatively on my credit report. I do not recognize this account and if it was a medical debt it should have been covered under my insurance and/or medicaid. I have attempted to resolve this issue several times with the agency but they have failed to validate the debt as accurate and that they have legal right to attempt to collect on this account.I have also attempted to resolve direct with credit bureaus with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. 

In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. 

In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. 

According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
A company identifying themselves as XXXX XXXX XXXX XXXX called my cell phone XXXX at XXXX XXXX XXXX XXXX. The automated dialer asked if I was XXXX XXXX to press one and I think it said disregard call if not, this is an illegal non-compliant TCPA call that was made to my cell phone. I pressed one to tell them its a wrong number. 

The male agent was immediately defensive about me asking for the company name as if he didn't want to give it, he stated he didn't call me that the automated dialer did, I advised that was a problem, he was speaking over me and very unprofessional, he refused to give me an address to send correspondence to and hung up on me. I called back and the same thing happen again with a male agent I think the same one, again refused to give me an address for correspondence, I was online and asked if he was associated with the MN location and he said no XXXX, GA and was extremely unprofessional, said he didn't have anyone in their Compliance or Legal department and hung up on me again. 

They acted so deceptive and unprofessional that I felt an obligation to report them. I was going to mail them correspondence to not contact me anymore just in case verbal wasn't enough but instead ended up wasting time while I'm working to get an address from someone who called my cell phone for the wrong person. This company is clearly not living up to what they say on their website and I quote " We practice our PhD, or " Preserving Human Dignity, '' philosophy when talking to clients ... we will collect money while maintaining mutual respect. '' On the third call I reached a Mrs. XXXX who accidentally hung up on me, I called right back and she answered and gave me all of the requested address information. XXXX XXXX XXXX XXXX XXXX, MN XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I have notified the " Professional Bureau of Collections of Maryland , Inc. '' on  several occasions between XX/XX/XXXX to XX/XX/XXXX that the debt they are trying to collect does not belong to me. Finally it ended up on my credit report and they started calling my boss at the college I work at trying to collect. I disputed the debt on my credit report and they sent me a validation letter with the contract for the debt. The debt belongs to my husband, on the contract he is listed as " the responsible party ''. My husband and have separate finances, taxes, credit accounts, and even a prenuptial agreement that separates out finances. They have never once sent my husband a collection letter. I have asked them to remove this from my credit report since I am not the responsible party for the debt. I understand that if they get a judgment against my husband they can come after my income since we live in California, a community property state. However, they have not gotten a judgment and if they do our prenuptial agreement will stop them from trying to collect from my income and property. this company did not follow procedure by trying to collect the debt from the " responsible party '' to start with. Now they are putting it on the credit report of someone, me, who did not know about the debt and threatening to take my property and my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/t 2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

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 2019-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have 2 Capital One cards and they are reporting the wrong balances for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Creditors that should have gone off my report and are still there after 7 years and selling my old reports to other Companies just to keep my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
this is in regards to an HSBC credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called HSBC again transferred multiple times again to be told they cant take my payment and to call XXXX XXXXXXXX XXXX. I calld XXXX XXXX XXXX and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today HSBC is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Was informed on XX/XX/XXXX via email that my Freedom Mortgage loan was being transferred to XXXX XXXX, and that my auto-payment would be cancelled. I also received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating the same. Because I did not have any account information for XXXX XXXX  yet and would be unable to make a payment directly to them, I went onto Freedom Mortgage 's website on XX/XX/XXXX to schedule a manual payment of the loan for XXXX ( in the amount of {$2100.00} ), knowing that it would be forwarded to my new servicer. This scheduled payment was successfully confirmed on their website. Noticing that the payment had not gone through by XX/XX/XXXX, I went onto Freedom Mortgage 's website, and discovered that they had silently cancelled the payment I set up on their website without notifying me!! 


I then scheduled a billpay through my bank ( XXXX XXXX  ) to pay Freedom Mortgage directly, and XXXX confirmed that it was paid electronically to Freedom Mortage on XX/XX/XXXX. 



I called Freedom Mortgage on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on the status of the payment, and each time was told that the payment was not received. The customer service staff were adamant, each time, that the payment had not been received by Freedom Mortgage, even though I had confirmed with my bank that the payment was sent, electronically, directly from XXXX  to Freedom Mortgage on XX/XX/XXXX. They had no way to elevate the issue and investigate the missing funds. They also insisted that it was no big deal, given that I had a 60 day grace period due to the loan servicer transfer, and would not be charged any fees or have a credit score impact, regardless of whether the payment was actually received by them or not. However, based on 12CFR1024.33 ( c ), this only applies if they receive the payment, and since they are claiming not to have received it, it is unclear that this grace period would actually apply. 


Given this, to avoid late fees and the impact to my credit score, I have separately made payment to my new servicer ( XXXX XXXX ), and am attempting to get Freedom Mortgage to return the funds to my bank when they find them, however, they are insisting that they need to forward them on to the new servicer. This would lead to me having double-paid my mortgage payment for XXXX, and severely impact my budget and ability to pay my other bills.

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