vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
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: Regional Processing Services
State: NH

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I received a message from a man telling me that he was coming to my place of work the following day to serve me with court documents relating to an arrest and I would need to sign them, as well as my HR rep or manager. He never came. Today I got a call ( XX/XX/XXXX at approximately XXXX ) stating the same thing and they provided a number to call along with a case ID. A friend of mine called, stating she was not me but was calling about information on a case. They proceeded to tell her ALL of my personal information, name, address, email address, social security number, date of birth, etc. They told her all the details about the apparent open case. This is a HUGE invasion of privacy, not once did she verify any information, she even stated she was not me. Once the debt collector realized it was not me, she stated " Oh you confirmed your name, address and social '' The friend said, no I never did, I do n't even know who XXXX is. At that point the collector abruptly hung up on her. Attempts to call back were unanswered. My personal, private information is being given out by the company and they are threatening me on a daily basis. 
Caller name : XXXX XXXX-impersonating XXXX County state employee XXXX said it was from Regional Processing LLC regarding breach of contract

Company response to consumer: Untimely response
Consumer complaint received 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: WA

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: WA

Complaint narrative:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be  removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I discovered my XXXX rent check for {$1100.00} had been fraudulently cashed into a Capital One Bank Account, other than my leasing company. Upon realizing this I immediately reached out to my bank ( XXXX XXXX XXXX XXXX ) to initiate a Check Fraud Claim. 

On XX/XX/XXXX, I received a Fraud Statement Claim that required both myself and my apartment leasing company to fill out and acknowledge that they were not in receipt of the check. I immediately sent this back to XXXX XXXX XXXX XXXX and was told upon receipt and processing my claim would kick off ( this occurred around XX/XX/XXXX ). 

For the next 4 months, I continued to reach out and request updates on the claim, until I was essentially told to " wait and see '' by the fraud team. Eventually, I was told that if I had n't heard anything by around XXXX XXXX to call back as this would have been the 126th day of the claim and would move into a new process if they could not reclaim the funds from Capital One. At that point, I was told that " systemically the case would close '' as it had reached its 126th day, but that they would still be working to recover the funds. I expressed concern that it would be showing as closed and was fearful that it would then fall through the cracks. 

Since XXXX XXXX, I have been requesting call-backs and information from XXXX XXXX on the status and have not received any information via mail only after several calls to request a call-back. Eventually on XX/XX/XXXX, I went into a XXXX  XXXX XXXX XXXX location to speak to a Client Services Representative, she was able to look into the check and reach out to a contact at Capital One who confirmed that the check had in-fact been deposited into an account other than the one listed on the Check. Upon receiving this information, she informed me she would share with the XXXX XXXX XXXX XXXX Fraud Office to help resolve the claim. 

Since then, I have consistently reached out for updates on the claim - leading up to today, XX/XX/XXXX, when for the first time someone at XXXX XXXX XXXX told me they had officially stopped trying to recover the funds and there was nothing else they could do since Capital One did not respond to the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have this company reporting a debt which I do not owe, this is inaccurate and false information, I have disputed with nothing being received to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
This is about unsolicited calls from First Cash Advance, the calls are daily, the phone numbers they come from change each time, I continually block the numbers and they just use a new one. 

I have requested they leave me alone, I have never and will never do business with them but they wo n't stop. I keep reporting it to you but still have n't gotten anywhere. 

This call came from 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 2017-11-16 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX - Present. Experian stated that according to there report summary they only verified XXXX, XXXX and XX/XX/XXXX. But According to the Report summary on XX/XX/XXXX Report Number XXXX the XXXX  XXXX XXXX account was Unverified and was Deleted. Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.

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 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card is with Capital One and I filed a complaint against them last month for charging me interest when I pay all last statement balances to avoid the interest charge. It turns out they do not have automatic settings in place to move cutoff dates to next business day when the cutoff falls on a weekend or holiday as stated in the Credit Card Act of XXXX. I made a payment on XX/XX/XXXX before end of day when my cutoff was on the XXXX of XXXX, XX/XX/XXXXand started this whole mess. 

I explained this whole situation to XXXX XXXX and he did refund all 3 interest charges that were applied. He sent the attached letter dated XX/XX/XXXX to me which you also have on file. 
He did not do me a courtesy but corrected an error which should be corrected by Capital One nation wide. My billing cycle ends on the XXXX but I selected the XXXX as my payment date to assure my payments are on time. 

So today, XX/XX/XXXX, I tried to reach out to him by asking to be transferred to him so I could explain that I was charged interest again {$23.00} even after paying the full amount of the last statement balance {$1100.00} and on time on XXXX at XXXX. Which seems to point to the fact that they have not turned off the automatic interest charges as I was inform they would to avoid being automatically charged interest fees every month. 

I gave XXXX 's extension number he provided in the letter, but I got the run around from the customer service representative who informed me she was unable to transfer my call, I could not get a call back from XXXX XXXX, and agents were not available?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Over the last 12 months I have made my payments on Select Portfolio Servicing 's website without any problems. 
I tried making my payment on XX/XX/XXXX and I got the following message One or more errors were found " Your request to process a payment can not be completed at this time. The account is ineligible for online payments. Please contact Customer Service at XXXX for additional information. '' I contacted Customer Service and the agent informed me that my account was on a short sale program. We have not requested any workout or short sale program and was totally taken aback by her statement. The agent proceeded to inform me that as a result of the short sale set up I could not make a payment on the account. This change of status of our account was not requested and is inaccurate. The agent said on XX/XX/XXXX that she would cancel the program and I would have access to make a payment on XX/XX/XXXX. I called back and the account is still blocked and the agent said they ca n't even process a payment for me either and I will be assessed a late fee. SPS servicing practices are extremely unfair and deceptive because I get different answers every time I call about an issue. Case in point, we had requested a partial lien release to facilitate a road expansion project by XXXX County which took seven months to resolve and took the escalation to the Ombudsman department to get an answer or a call back. Please assist to resolve this error and mistreatment by SPS.  We had the same horrible experience when we tried to modify the account about five years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
*see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation