vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors. 

" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it  makes sense to interpret the two provisions in parallel. 

The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances. 

Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information. 

This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Fri XXXX XX/XX/2018, I was sent a overnight XXXX package from XXXX XXXX, an employee of JP Morgan Chase Bank NA, thanking me for my home mortgage lending activities. From Jp Morgan XXXX XXXX XXXX. XXXX XXXX, NJ XXXX, contact XXXX. After I received it I called XXXX and various employees of Chase Mortgage and have yet to come up with an answer as to why I received a HMDA Public XXXX when I do not own or applied for mortgage. My first name on label was spelled wrong, but the cell phone number on the label was in fact my cell phone number at the time. 
The address was to XXXX XXXX XXXX XXXX, but real address is XXXX XXXX XXXX XXXX XXXX CA XXXX. 
My name is XXXX XXXX and I have been a victim of Identity Theft. I rent at the address, but people that own it were going through a mortgage. 
I need to know why I was sent this HMDA. 
Contact me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company is trying to collect a debt that is not mine. They are the 3rd collection agency to try to collect this amount. I have been in contact with XXXX XXXX XXXX XXXX and they do not have me on file or owing them any money. I would have paid my debt if I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
The company is XXXX and whenever I am late on my payment they will call me 7 or more times a day from the same or different phone numbers. On XX/XX/3018 they called me 10 times from XXXX. Ive tried blocking their phone number but they then call from a phone number that is 1 digit different and resume the harassment. I have about 20-30 different phone numbers of theirs currently blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Onward Credit Holdings, LLC
State: VA

Complaint narrative:
This company has repeatedly called 2xs a day and leave messages on a work phone after being told the number is a work phone and to not call or leave Messages previously. Messages were left on the work phone on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I signed a new auto lease with XXXX XXXX/Toyota Financial, I had a bank checking account with XXXX used to make payments. In XX/XX/XXXX I had identity theft with XXXX XXXX, XXXX XXXX XXXX and USPS Mail system whereas my accounts were hacked, my mail were stolen and used to steal the credit cards. All accounts used to make online payments were decline and unable to be used after the identity theft. 
I have mailed the credit bureaus and banks with a copy of 2 identity theft police report : XX/XX/XXXX ; Second police report XX/XX/XXXX ; A stalking police report, XX/XX/XXXX ; As per part of the Victim Compensation Program of the State of Illinois I received a letter that states the prohibitions of any late payments not to be listed on the credit report as part of the Victim Compensation Act Program, any theft account open as a result of the identity theft/mail theft to be removed from the credit report ; In ordinance to avoid additional damages to the victims of crime in the State of Illinois, Federal laws enforce the forgiveness of late payment as per part of the crime that has occur and therefore no late penalties, late fees should be listed or reported to the credit bureau for the entire year of such. The consumer was also a victim of identity theft and robbery at the place of work at XXXX XXXX XXXX ( State of Maryland ) in XX/XX/XXXX, a purse was stolen from the consumer 's work office station containing a wallet, cash, XXXX XXXX XXXX Credit Card ( account closed and removed from the credit report ) social security card, driver 's License ; I had to close all account and depend on mail in money order to make payments to this account in order to keep up-to-date. I am a paid subscriber of the credit bureaus XXXX, XXXX, and XXXX whereas my credit it is currently locked and monitored ; A FTC Identity Theft was also provided to the credit reporting agencies, USPS Mail Inspector , drive 's license and utility bill along with all police reports were mailed to all credit bureaus agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called XXXX and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from XXXX asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: TX

Complaint narrative:
THIS IS ON MY EXPERIAN ACCOUNT ( 1 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 2 )  XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 3 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 4 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 5 ) XXXX XXXX # XXXX ... ... please help there are many many XXXX XXXX 's in the USA .... THANKS IN ADVANCE

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 2018-05-16 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: SC

Complaint narrative:
I WRECKED MY CAR ON XX/XX/XXXX. AFTER 7 WEEKS OF WAITING FOR REPAIRS TO BE DONE BY XXXX XXXX XXXX XXXX XXXX. XXXX SC, THEY TRIED TO SELL ME A NEW CAR TO REPLACE MY WRECKED ONE. IN DOING SO WITHOUT WRITTEN OR VERBAL PERMISSION THEY RAN A CREDIT CHECK FOR AUTO LOANS WHICH IMPACTED MY CREDIT SCORE WITH 6 HARD HITS. THIS HAS LOWERED MY SCORE ALMOST 20 POINTS WITH EQUIFAX. I AM DEVASTATED TO FIND OUT THIS CAN STAY ON MY REPORT FOR MORE THAN 2 YEARS. I HAVE NO IDEA HOW TO CORRECT THIS. PLEASE HELP ME.. 

Hard inquiries 10 Inquiries We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services
State: FL

Complaint narrative:
I have paid this debt in full XXXX-18, It is money not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc.
State: FL

Complaint narrative:
Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4.  ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I was a client of XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX XXXX. I opened a savings account associated with XXXX XXXX XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I learned I could not start the business I wanted and choose to close the account. I got an authorization letter from the XXXX XXXX XXXX and gave it to XXXX XXXX XXXX and withdrew the funds which was about {$1500.00}. Between XX/XX/XXXX and about XX/XX/XXXX I received letters from XXXX XXXX XXXX which I never opened. About the end of XX/XX/XXXX I opened one letter and saw the account was still open. I contacted the bank and learned the account had not been closed. I began depositing money into the account up to the current amount of {$6600.00}. On XX/XX/XXXX I visited the bank to close my account. The bank refused to close it stating they needed authorization from the XXXX XXXX XXXX. I informed the manager they I was no longer associated with them. I contacted the XXXX  XXXX XXXX and spoke with XXXX XXXX. XXXX XXXX informed the manager XXXX XXXX that the program no longer existed and that the account was no longer associated with them. XXXX XXXX and XXXX XXXX XXXX still refused to close my account for the second time. I took off from work and traveled from XXXX XXXX, XXXX to XXXX XXXX XXXX  to close my account and was refused.

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 2018-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. 
On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. 

I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. 

The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. 
XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. 
After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX for a wrongful foreclosure claim. The case was dismissed by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have an account with US Bank and they have a late reporting on my credit report. US Bank charged me for overdraft protection that I never signed up for.

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 2018-05-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I received notifications from my Chase Banking app that there was suspicious activity and that Chase suspected Fraud. On XX/XX/XXXX my card information was used to make a purchase of {$57.00} at a XXXX in XXXX, IN. On XX/XX/XXXX my card information was used to make a purchase of {$160.00} at a XXXX XXXX XXXX XXXX in XXXX, IN. Neither of these purchases were me as I was 200 miles away at college at XXXX University in XXXX, IN and I had possession of my card. It was a school week so I would not be anywhere else but school, and do not have a car so I would not spend {$57.00} at a gas station. I immediately called Chase Customer Service on XX/XX/XXXX and the customer service agent was able to help me and credited my account the money that I did not authorize on my account. 

On XX/XX/XXXX Chase sent me a letter saying that they were reversing my credited transactions. After speaking with customer service, the woman on the phone said that they had " trouble believing the claims '' since I go to school in Indiana and since my card has a chip. She was very accusatory in her tone, and I was appalled. These transactions were not my doing, and I was a victim of card fraud, yet she continued to shoot down my responses and said that there was nothing they could do for me once the credited transaction was reversed. On XX/XX/XXXX I went to my local Chase Bank and was again that there was nothing they would do because they believed these charges were valid. They refused to re-credit my account. Chase Bank 's handling of this matter and its treatment of me as a customer is both offensive and egregious. I believe that a credit for these unauthorized purchases is necessary and I would appreciate any help I can get in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I received an updated copy of my credit report to find out that DIVERSIFIED CONSULTANTS INC. reported that i owe XXXX for XXXX when this account has already been proven that it was not mines, and removed not once but twice. This account has been sold to 2 different collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
First, how and when the capitalized interest was applied was not fully explained. The impact of deferrals/forbearance was not explained. 
Second, I dont think that the capitalized interest is being calculated correctly. I have been paying regularly on my load for 10 years and the principle has not gone down. I feel like I am in a situation that I will die with. The interest is ridiculous. I contacted Navient to ask them the explain how and why I have received each charge of capitalized interest. They referred me to my account history. The account history does not show how it was calculated. I have paid $ XXXX in interest and $ XXXX on the principle. I have pad a minimun of {$200.00} a month for 10 years.I will die before this is paid off. 
Attached is my payment, interest file

Company response to consumer: Closed with explanation