vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/2016 A credit collection company was collecting for a balance @ XXXX XXXX which I disputed and was actually settled for {$1500.00} with collection agency due to the fact they could not provide back up only saying I owed the debt to XXXX XXXX {$450.00} They removed the debt then they sold to the current collection company and back on my credit report. 
Reach out to Credence Collection Company to try and explain the situation was told that I owed the debt - they did NOT have to provide back up to the debt I owe but I owe it. 
I have turned this over in 2016 to XXXX XXXX fraud department - and a not to mention I am a CURRENT XXXX  XXXX customer This is ridiculous that collection agency can continue to purchase a debt that was fraud and already removed not to mention to continue to collect which resulted in a settlement of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, about a year ago, i had an checking account under XXXX XXXX. After i opened it, i received a letter from XXXX XXXX regarding my account had a check problem and had to closed my account. At that time i talked to one of the banker, the reason whyXXXX XXXX close my account is becasue one of the check deposted to my account, but that check is not belong to me and i never deposited. XXXX XXXX said they would do the investgation and would give me a call back. After they did the investgation, XXXX XXXX said was not my problem, but XXXX XXXX confirmed that my account had been closed, but I can open a new account at anytime. After 1 years later which is today XX/XX/2019, i tried to reopen it, but XXXX XXXX said they cant open an new account, so i asked them why they cant open for me, and they never give a reasonable reason at all, so the XXXX XXXX banker told me to call the customer service hotline, and the cusotomer service still cant answer me the question at all why they cant open account, i talked to the person name XXXX   which is the sales department manager, he told me wait for the letter for the reason and i wanted to speak with other department which can help me out, they refused me, and no matter how many i ask him, he still not helping me 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 2019-09-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm trying to figure out why my credit score dropped recently ( beginning of XX/XX/XXXX ) around 20 points. When I logged into the Experian website, it said I had 5 new late payments which were my student loans. What I'm confused about is these have been on  my credit report as being in collections since XX/XX/XXXX. Why are they suddenly coming up as NEW late payments and causing a drop to my score? Secondly, I am rehabilitating my loans with an assigned collections agency and am up to date on my payments with them since XX/XX/XXXX. 

I have disputed this on their website along with calling them and I can get no answers as to why this has happened. They say they understand what I am asking but can not give an answer as to why it's saying this and why my credit score dropped. Secondly, I have tried to upload screenshots to illustrate my point, and their page experian.comXXXX is not allowing me to upload documents. The page seems to be very poor, almost like they're making it difficult on purpose. First it said my time expired after only a few minutes when I tried to submit them. Then after converting the documents to the one of the two formats they accept and to a file size they accept, it said that the files we're too big. Very frustrating. 

Explanation of documents I uploaded here. The same ones I was trying to upload to their site : Document 1 : Screenshot of my Experian account saying I have 5 new late  payments from around the beginning of XX/XX/XXXX. 

Document 2 : Screenshot of my payment history on Experian site. See how it says first reported on XX/XX/XXXX. But my credit score dropped in XX/XX/XXXX for NEW missed payments. Also, the payment history is incorrect as shown by Document 3 which is my payment history with the collections agency. 

Document 3 : Payment history with the collections agency. 

Document 4 : Another question is why does it say here in my Payment History for XX/XX/XXXX that my payments are " on time '' and the box is " green ''? All my other loans which are with the same collections agency have an " FP '' ( Failed to Pay ) and a " red '' box?

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Khols / Cap.One XXXX XXXX XXXX On XX/XX/19 i made payment of {$100.00}, confirmation # for this payment XXXX On XX/XX/19 2nd payment {$170.00} confirmation for this payment - XXXX. 
XXXX flagged my acct.as charge off. 
Their explanation : charge off isaction of transferring account deemed uncollectable to a catagory such asbad debt or losx. Collector 's will usually continue to solucit payment but account are no longer considered part of a companys receivable r profit picture. A charge off may negatively impact credit score. 
Not one off these credit beurra has updated my account. 
Everything says derogatory / profit loss

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank has charged me over five insufficient charges. At {$34.00}. My balance is over {$270.00} Negative. Its not necessary to keep charging ever little thing. One didnt know came thought by mistake its XXXX. I received a {$34.00} charge from chase. XXXX XXXX. Aka XXXX online service. 
Its too many. Fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
I receved a letter on XX/XX/2019 that my mortgage was sold and not to send payment to old serviceing company.I had paid for XX/XX/XXXX due date on XX/XX/XXXX and my due dateis not till the XX/XX/XXXX son i oaid three weeks ahead then waiting for new Fay servicing i paid them on XX/XX/2019 for a due date of XX/XX/XXXX.Fay servicing says my mortgage is a DSI Mortgage that i never heard of and because there is 5 weeks between payment i must now pay an extra fee odd {$240.00} and i was never late but because there is mor than 31 days or somthing i must pay.In my 13 years i have been late and never had this charge this is all new to me.they say my interest rate is 10.61 somehow someone did not tell me truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: The Bureaus, Inc.
State: LA

Complaint narrative:
Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX i mailed Experian a certified letter Informing them that a account i disputed and had recent resolved on XX/XX/XXXX still has incorrect information. That account is XXXX XXXX-account # XXXX. On XX/XX/XXXX XXXX XXXX informed Experian as well as the other credit bureaus that this account was paid as agreed/satisfactory. Once Experian updated my account i noticed that it still had incorrect information. I tried disputing the incorrect information but Experian did not fix it and also called them multiple times only to be lied to and passed around to many customer service reps without getting any corrections. 
I attched a copy my credit report that i pulled on XX/XX/XXXX from XXXX. 
you will notice the incorrect information as followed Experian has my XXXX XXXX account listed as paid/satisfactory but also has it listed as charged off/ derogatory .... this can not be possible as this account is paid. 
Experian also has four dates - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX..all listed as 90 days late, which is totally impossible for all the dates to be 90 days late. 
Experian also has the same dates XX/XX/XXXX and XX/XX/XXXX listed as not reported.. while have the dates XX/XX/XXXX and XX/XX/XXXX listed as charged off ... 
Experian needs to remove all the negative marks from my account and credit report

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 2019-09-12 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with CAPITAL ONE. 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 CAPITAL ONE with no successful resolution. XXXX, XXXX   and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX Capio XXXX Flagged my credit profile and added a collection account. Not even 30 days later on XX/XX/XXXX Capio XXXX again flagged my account trying to reage it and make it seem as if it is a new account showing up. They did this in less than 30 days. ( Please see attachments ). This was after the initial account they had on my credit file was deleted, so the transferred it to another department ( stated on a recorded line ) Under Colorado law. Medical Bills are legally only collectible for six years. On a recorded line the representative said this debt was from XX/XX/XXXX. I asked him why didnt I receive a letter or anything saying I owed the debt and he said that the letter was sent to an old address ( stated on a recorded line ). So that means you knew the info was sent to an incorrect address but you still took it upon yourself to break the law and put this information in my credit file then try to reage it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with LVNV Funding LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for this debt with LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I was co-owner of a XXXX XXXX XXXX in XXXX XXXX, NJ. XX/XX/XXXX, my then business-partner bought me out and effectively terminated any connection with the company. Around mid-XX/XX/XXXX, I received a phone call from Chase Bank saying that I owe them money on a business credit card. Upon my own investigation, it turned out that my ex-business partner continued to use my credentials for his benefit, and was using my name and other details for the business credit card. I found this very impossible since I did not physically leave the card with him and never authorized him as another user even while I was part of the company. I asked Chase Bank to mail me the credit card statements three times, once in XX/XX/XXXX,  once in XX/XX/XXXX, and once in XX/XX/XXXX - but never received any. I filed an Identity Theft Complaint with the FTC in XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, I kept on attempting to contact my former business partner until he gave me a copy of an AFFIDAVIT OF TRANSFER OF RESPONSIBILITY, which he had notarized. The said affidavit was notarized on XX/XX/XXXX and was supposedly mailed by my ex-business partner to Chase Bank. Between XX/XX/XXXX to mid-XX/XX/XXXX, I never received any updates from Chase, neither did my ex-business partner. Finally on the mid week of XX/XX/XXXX, Chase called me again and said that they are still waiting for payment on the credit card ( totaling over {$22000.00} ). I told the Chase rep that I had already filed an Identity Theft Complaint with FTC. I also asked them why I never received any billing statements when I requested for them. It turns out, my ex-business partner called Chase back in XX/XX/XXXX, just after the initial call, and changed the mailing address to his own - information that was relayed to me by the Chase agent. I checked my credit reports across XXXX, XXXX and XXXX and was surprised to see that Chase reported a lower balance online ( {$18.00}, xxx ) compared to the final bill ( over {$22000.00} ). I  finally received a simplified billing statement and not the detailed monthly statements I requested from Chase, around last week of XX/XX/XXXX. Chase never cooperated with my requests to 1 ) Immediately send me a billing statement so I could do my own investigation on the matter ; 2 ) cooperate in determining best course of action since what happened was clearly a case of Identity Theft. Chase also reported 2 completely different amounts that they want to collect from me- 1 ) {$18.00}, xxx reported on 3 credit bureaus, and 2 ) {$22.00}, xxx reflected on the bill they sent me, as well as being verbally confirmed by a Chase agent during the last phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/2018, there were two unauthorized transactions made with my ATM. The first one around XXXX XXXX., in the amount of {$170.00}. The second transaction was done at around XXXX XXXX. in the amount of {$60.00} and an additional charge of {$2.00} for using a non-Chase Bank ATM. When both of these transactions were made I was asleep at home, ( XXXX, CA ). These transaction were made in the XXXX XXXX  XXXX XXXX, CA and XXXX XXXX, CA which is about 90 miles away from my home in XXXX, CA. 

On XX/XX/2018, I checked my account on my cell phone and noticed there was money missing on my account. I immediately contacted Chase and brought the situation to their attention. The representative issue a reimbursement/credit of {$170.00} and {$60.00} to my account. The {$2.00} for using a non-Chase ATM was not reimbursed. I was under the impression that everything was taken care of and I had nothing to worry about. The bank canceled my ATM card due to suspicious account activity and sent me a new ATM card without me requesting a new ATM card. 

However, on XX/XX/2018, Chase Bank canceled the reimbursement/credit of {$170.00} and {$60.00} made by to my account. I then contacted Chase and I was told that there was nothing the bank can do about this situation, because the withdrawals were made using my PIN number. I contacted Chase bank a third time and spoke with a " supervisor '' and was told the same thing, that they can not reimburse/credit my account. I asked the " supervisor '' if it there was a possibility of obtaining video footage when these transactions were made. I was told that they could not do that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America places 4 business days hold on a deposit I made at one of their ATMs. Contacted customer service they cant provide an explanation, they keep saying the funds are not available because house will not release. I made a second deposit on the account on the atm receipt it says there will be a hold for 7 business days because the check will likely be bounced.

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 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
On XX/XX/XXXX.. a treating XXXX at XXXX XXXX performed a "  XXXX   XXXX '' XXXX without my consent. I was told that the XXXX would be completed at the same time as my XXXX XXXX, which was scheduled at a later time. Subsequently, I was billed for services performed without my knowledge. 
On XX/XX/XXXX, I filed a formal grievance and received receipt of that grievance on XX/XX/XXXX. 
On, XX/XX/XXXX, XXXX adds a XXXX XXXX debt collection onto my credit report. XXXX and XXXX  do not and have never included this as a valid debt. This is in error and needs to be removed from my credit report.

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 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/19 I created a Venmo acocunt to send my son ( XXXX XXXX ) {$43.00} that I owed him. The funds immediately showed up in his Venmo account. As soon as I sent the money though I received an email that my account was frozen as did XXXX. In communication with customer service I was asked to send a bank statement and my ID which I did, including a picture of me holding my ID. On XX/XX/19 about 10 minutes after submitting my ID & bank statement I received an email from XXXX XXXX of Venmo that stated my account was deactivated. Further " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes. Should these funds be available for transfer at that time we will reach out to you directly. '' Even though the money was instantly sent to my son 's account his account was frozen so he was unable to access the funds that I sent. Two days later the {$43.00} that I paid my son was removed from his Venmo account and transferred back to mine. I used a Visa debit card with Venmo. I have no idea why my account was deactivated, furthermore I do not see why they would hold on to my {$43.00}. As of XX/XX/19 at XXXX they are still holding my money. I am the one that made a profile for Venmo on XX/XX/19 & set up & approved this transfer to my son. I contacted the Federal Trade Commission, the fraud department of XXXX XXXX, the XXXX   XXXX XXXX and the XXXX  XXXX XXXX XXXX. By Venmo transferring the money to my son and taking it back and then putting it in my online Venmo balance but not allowing me to access it I consider it fraud by Venmo.

Company response to consumer: Closed with non-monetary relief