vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
This account was opened and used ( without my knowledge or permission ) on XX/XX/XXXX. My sister set up the account, using her info as contact info and my ssn and name as billing info. The balance is XXXX. On XX/XX/XXXX, I called to file a fraud claim, and it was denied on XX/XX/XXXX. The credit card could not tell me why it was denied, and the investigations unit was not available. I have lived overseas continuously since XXXX in XXXX XXXX. I have no business in the United States, and I have no authorized credit cards. None of these charges are mine. I am disputing the whole bill. I filed the claim on XX/XX/XXXX, and have submitted documents verifying the claim. 
My sister made all the purchases and opened the card. I have never seen a bill, credit card statement, a purchase, or any online access related to the card. None of the charges are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: MI

Complaint narrative:
Hard inquiry reported on my TransUnion credit report on XX/XX/2018 by XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. 

I did not request any credit from this company. I do not have a credit card with this company. I have not shopped at this company for over 20 years.

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 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
THE LAW FIRM REPRESENTING THE COMPANY JUST FILED A COMPLAINT TO FORECLOSE USING A FORGED PROMISSORY NOTE. THEY KNEW IT WAS A FORGERY BEFORE THEY PURCHASED THE NOTE AND MORTGAGE. THEY PREVIOUSLY DISMISSED THE PRIOR FORECLOSURE BECAUSE THE NOTE WAS A FORGED DOCUMENT AND THEY KNEW IT SO THEY SETTLED. NOW, THEIR LAWFIRM, KNOWING THE NOTE WAS A FORGERY, FILED A COPY OF IT WITH THE COURT AND SAID IT WAS A TRUE AND CORRECT COPY OF THE ORIGINAL, KNOWING IT WAS A FALSE STATEMENT OF FACT, AND THEY SWORE TO THAT UNDER PENALTY OF PERJURY AS THE COMPLAINT WAS A VERIFIED COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a letter to the debt collection company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX On the date XX/XX/2018 to validate this debt as they are trying to collect is not mine. I contacted the original creditor for verification and they responded they did not have an account for me. 
I'm including all the letters and responses in this complaint. 
They are reporting invalid information on my credit report per FDCPA and by law it must be removed. 

Original Creditor Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Received response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
send a letter and email and a fax to Protfolio Recovery Associates LLC for Validation of  debt on the XXXX  of XXXX  and they still call my house and still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NC

Complaint narrative:
Purchased a service through a vendor called XXXX. Was over charged for the service according to the price advertised for a similar service in the contractors reviews. The vendor would not give me a refund or adjustment, so I disputed the transaction on XX/XX/XXXX. Per the vendor, I had to wait until the charges actually posted on my credit card. Contacted the vendor on XX/XX/XXXX after the transaction posted. 

So far, the dispute is unresolved. I have received several letters from Chase bank that have conflicting information. The first letter advised that I needed to provide the same information that I provided on the dispute form online. The second letter advised that I did not need to send information. A third letter stated that the charge was legitimate, however, the dispute is still outstanding. 

I work in the mortgage industry, and am trained in recognizing fraud. The letters all appear to have varying font sizes, different nomenclature for the representatives signature, and one letter has " Page 2 '' on the back on the first page. Appears to have been printed off of a personal inkjet printer. 

Also sent a message to Chase via their secure message center on XX/XX/XXXX asking for a status and timeline for completion. Did not get any specifics. Typically a dispute does not take this long, it's approaching 90 days and I do not feel as though the charge is valid for the service provided. 

The amount is {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed National Credit Systems and sent them a copy of police report and National Credit Systems continue to harassing me by reporting a fraudulent item to XXXX credit report. I have sent National Credit Systems and XXXX copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Monday XX/XX/XXXX my account was overdrawn by {$21.00}. I did not have the funds to cover this amount, so I anticipated an over draft fee for the transaction that caused this initial overdraw. 

On Wednesday XX/XX/XXXX my account was charged two additional {$34.00} overdraft fees. My account is now overdrawn by {$160.00} in part due to {$100.00} in fees from the bank. Seeing that I did not have the funds for the initial overdraw, it is an unreasonable policy that the bank would further overdraw my account. 

When asked about any full or partial relief from the fees, my request was denied because my account was " ineligible for any further insufficient fund reversals ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
RE : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. 

Here as follows is the item in error : Collection Agency : XXXX XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX ( Business has since been dissolved ) Balance : {$470.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XXXX XXXX ( inaccurate, business dissolved in XX/XX/2014 ) Basis of Dispute E.g., I never had an account with this creditor and I do not owe this debt. Invalid information listed on credit Report - original Creditor name is wrong. I did not sign an agreement to pay for any services with XXXX XXXX XXXX nor did I sign an agreement with the collection agency -Debt Recovery Solutions. I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: PA

Complaint narrative:
send a letter and email and a fax to XXXX XXXX XXXX XXXX for Validation of debt on the XX/XX/XXXX and they still call my house and still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XX/XX/XXXX. In XX/XX/XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX/XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX  was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits portfolio Recovery from such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX XXXX letters concerning two accounts that were part of an account they purchased through an original creditor, XXXX XXXX. I expressed to them that the collection accounts that they had were fraudulent. They then sent me a generic statement saying that the accounts were valid on XX/XX/2018. 
I have filed my identity theft report through the FTC and also filed a report with my local police department. All three credit bureaus have deleted the XXXX XXXX accounts from my credit report. The fraudulent accounts that went to collections from the original creditor needs to be deleted. I need XXXX XXXX to delete the following collection accounts ; XXXX XXXX   Account Number XXXX XXXX Account Number XXXX {$2300.00} XXXX XXXX Account Number XXXX Midland Account Number XXXX {$1200.00} I have sent in numerous requests since XX/XX/2018 and it is now mid XXXX and all acts of civility are out of the window please help resolve this matter. 

Thank you in advance for resolving this issue in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX  purchased 2 debts from XXXX XXXX  that I do not owe. XXXX is reporting 2 inaccurate accounts and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies. I am attaching a copy of my XXXX  credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 90 days late as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-11-14 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: NJ

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged over 150 dollars on transfer fees on my own accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES
State: WI

Complaint narrative:
Hello XXXX of XXXX I made a payment of {$18000.00} to XXXX XXXX XXXX XXXX XXXX, which was my payoff amount. I received a letter stating my loans were all paid in full and I no longer have any loans in default with them or the collection agencies they are affiliated with. Than XXXX of XXXX while applying for a VA loan I had a flag on my credit reporting I still had an unpaid balance so I contacted both Great Lakes and the collection Company XXXX. It turns out they did not have record of my payment, however I was smart to have my bank cut the check and send it by certified mail, so I had a paper trail. They found the miscommunication and sent another letter XX/XX/XXXX stating my loan was paid in full. Fast forward to XX/XX/XXXX, I got another letter saying I had owed a total of {$1400.00}, which was refunded back to the account because because charged interest to me on the payment they lost than found. Well once again XX/XX/XXXX, I am dealing with the same problem and it affects my credit not to mention the frustration and anxiety I have to deal with when talking to these people. I have all the emails they sent clearing me and the letter clearing me. I am fed up and tired of being bullied by their creditor XXXX. I want to file a formal complaint as well as seeking restitution against Great Lakes and XXXX. Can you help me please. 

Thank you, XXXX 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 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed. 
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS. 
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS. 
I had no other choice other than to cancel the connection. 
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements. 
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history. 
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.

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