vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have requested Discover several times to close my Discover Card but I have been getting a run around. 
After several unsuccessful phone attempts, I chatted with several online representative on XX/XX/2020 and requested to close my account but they transferred me to Customer Service department who referred me to a phone number to call. I called the number provided to me, verified myself for security and requested to close the account but I was transferred to another department. The other department did something and then said I needed to speak to a different department and got transferred. That new department verified me for security and then said she needed to transfer me to another department. She transferred me to another department, they verified my security and said they were going to close the account BUT she transferred me to another department. 
The 5th transfer told me that she couldn't close the account and apologized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently have used an online platform for peer to peer lending titled XXXX and a consumer completed a transaction with me and paid via XXXX using Chase Pay and subsequently reported it as fraud to their bank. Chase immediately froze my account over the {$41.00} transaction labeled fraudulent per consumer which has assets reaching to ~ {$2500.00} and though I have provided evidence of communication, completion of sale, and visited the branch and spoken with the bank nearly daily since the freeze, they continually say its an ongoing investigation that may take until XX/XX/XXXX. I was never informed of the freeze, which legally I am supposed, and was even permitted to deposit a check with a teller who did not inform me of the frozen account. I am a medical student whose entire disbursement is in my Chase account. Since the freeze on XX/XX/2020 I have not been able to eat, pay my rent, or pay my credit card bills all because of a {$41.00} dispute. Per Massachusetts Law Part I, Title XXII, Chapter 167B - Electronic Branches and Electronic Fund Transfers, I have complied to all of the banks requests to provide evidence that I not only completed a transaction with the person disputing it, but also that I am willing to refund their money if it comes to that because at this point its not worth {$41.00}. Mind you, I spoke with XXXX  XXXX, my former bank that I just transferred all of my money from to Chase and they also thought that what Chase was doing was not only unethical but possibly illegal because I am the victim of fraud. The person who committed the dispute is XXXX XXXX. I have attached the document I faxed to Chase Bank on XX/XX/2020 which includes confirmation of the sale and reiterates the Massachusetts law governing my rights to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Solomon and Solomon, P.C.
State: ME

Complaint narrative:
Solomon & Solomon are attempting to collect a debt for {$160.00} in which I ve asked for documents that I still have not received. I ve asked for them to show me that they are licensed in my state to collect a debt. I ve also asked them to send me documentation that shows that I owe them for the debt they allege that I owe to them even though I have never done business with them. I ve asked for them to send me the assignment of the debt to prove that they are the ones to pay any debt they claim I owe. I want to see payment history on this account to prove that the amount they say I owe is correct. I have not received this to this day even though these are my rights according to the FDCPA. 
Also they have failed to provide me with a SIGNED CONTRACT with my signature on it!

I have sent numerous letters with requests that S & S refuses to acknowledge and respond appropriately to!

S & S has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Hello I have this company Ability Recovery Service that keeps flagging my credit report for collection. On my XXXX  & XXXX  reports, I disputed the claim asking for a Debt Validation Request also mailed a Debt Validation Request to the company which is currently waiting to be picked up by the company since their mailing address is a P.O. Box. Heres the tracking number to the certified letter XXXX via USPS. I can also provide a copy of the Debt Validation Request letter sent to the company.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a complaint against IQ DATA INTERNATIONAL regarding an attempt to collect a debt that does not belong to me. They were very kind to respond on time on XX/XX/2020, saying they supposedly verified the debt and that they will forward me the documentation. To this date, I have not received any supporting documentation regarding this debt. However, I have reviewed my credit file and I know for a fact that I have never done any business with " SURE DEPOSIT '' or have lived in a building name " SURE DEPOSIT '', which is what they are alleging on their response. 
Please be advised that at this point this is is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you At this time I will also inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.

If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am the POA for my mother. She has XXXX. My father died and her income dropped drastically. She fell behind on payments with Bank of America, as we are trying to get the house ready to sell. In addition, there are some inaccuracies in our records versus the bank. I have tried working with the bank as POA. I have called multiple times, written four letters and visited a branch but they wont talk to me as they dont have the POA documentation on file. I have submitted it 5 times.

In Missouri, foreclosure is non-judicial, so I dont even have the court system to help me. Finally, yesterday they acknowledged that I exist and assigned a dedicated customer to me and said they will TRY to postpone the foreclosure. There is {$120000.00} of equity in the house. That money is needed to take care of my mother. 

I need some immediate assistance to stop the foreclosure. Although, I can personally bring the account up to date I would prefer a little time to use my mothers tax return. I already have {$15000.00} invested in her house.

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 2020-02-19 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: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Portfolio Recovery Associates have failed to provide the following after continuously sending me letters claiming they would no longer respond to my requests and the matter was closed in their opinion. 
This matter is NOT closed! 
They have failed to provide me with any original documentation and a co tract with my signature on it!

They failed to provide ANY of the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law 7. A copy of a contract with my signature on it with your company.

8. A copy of your license to collect in the state of Maine.

9. The name of the registered agent for your company.

10. A certified copy of a judgement made against me by your company in a court of law.

11. A copy of how you purchased this unverified debt and for what price. 

PRC havS NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Convergent Resources, Inc.
State: MN

Complaint narrative:
Hello Please review my attachments. 

I received this documentation on the mail. Ive been living at this address for 4 years and never received any type of collection debts. Why? Because I have no outstanding debts or no late payments ( Credit scores XXXX plus score on all 3 bureaus.. ) on my credit reports. Again see my attachments. 

My credit history and financial worthiness in 2020 speaks volumes. In the past in my military years while married I did have debt dues, while trying to survive with no handouts and based on hard work dedication and focus. A no excuses mentality. Review my attachments and then let me know please.

Retired XXXX XXXX Long Time Viable Citizen

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 2020-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have an account with paypal. went to use it 3 weeks ago and could not log on. Was told there was fraud and so they closed the account and recreated it. Since then I have not been able to logon. Multiple calls and hours spent trying to get help logging on or to close my account and get my money back I keep calling and ask to speak to a supervisor and CAN NOT get my money sent to my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I am submitting this claim involving Specialized Loan Servicing ( XXXX ). From XX/XX/XXXX till JXX/XX/XXXX I was in there 6 month program to catch on my mortgage and which I completed that after paying  {$620.00} for six months. And, now there saying I owe additional fees after 7 months of not hearing anything in reference to additional fees, my XX/XX/XXXX payment went from {$580.00} to {$670.00} and while in the program I was told by a agent No additional fees for scheduling my payment by phone and by scheduling my paying on the XX/XX/XXXX of each month while in the program. I stared my regular mortgage on XX/XX/XXXX of {$580.00} and scheduled by phone to be paid XX/XX/XXXX and no agent mention to me about and other additional fees, now I see my XX/XX/XXXX payment has a extra fee of XXXX something dollars after seven months. How could any home owner go 7 months without knowing about additional fees after knowing being told No fees applied for scheduling by phone and scheduling to pay on the XX/XX/XXXX of each month while in the program. I really would like these fees to come off my account because its unfair on my part. Thank for your help and time XXXX 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 2020-02-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I checked my credit report, and it says I opened a credit card in XX/XX/2019 which I did not do. My credit score wasnt even strong enough to be approved for any type of credit, and the account is already in collections not even one year after it says it was open. I did not apply for this card, and I do not understand why its on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AR

Complaint narrative:
PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND XXXX XXXX  XXXX XXXX, CO XXXX XXXX Has stated i have Federal student loans which i did not, i anything the companies they are even stating are federally loans were private entities and they have reported these loans as federal to the department of education which is fraud against me. The loans they are stating originated in 2009 and clearly would be past the statute of limitations on private loans for ANY LOAN. They also state there was a hearing held which i was involved in which is false. I was not granted a hearing they also state they are garnishing my wages. If the federal goverment has no jurisdiction over private loans then how is this possible they are sending me letters from the department of educations enforcing juridiction?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX my car loan from Capital One was paid off but yet they continue to try to collect on a paid account which also closed. The account was originally opened in XXXX. The account was settled in XXXX. My credit report was updated then around 3 years ago it was reported. The vehicle was paid off, the vehicle was been sold and leased to someone else. The vehicle or any debt related to it is not responsibility. They are reporting on my credit as if my payments are late each month as of XXXX. Capital one has been maliciously doing this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In XX/XX/2019, I spoke with a representative from Shellpoint Mortagage. I communicated the fact that my mother-in-law ( the original owner of the house ) was deceased and my husband who directly inherited the property ( and was also executor of my mother-in-law 's estate ) passed away ( XX/XX/2019 ) after a long illness and with no life insurance. I experienced financial hardship and was also working with the courts to received executorship over this property. After discussions and emails, Shellpoint gave me an offer to defer the past due amount on this account. 

To accept this offer, I was required to make a down payment of {$510.00} by XX/XX/2019. I complied by making a payment on XX/XX/2019 with check # XXXX for {$510.00} and this check was accepted and processed by Shellpoint. 

In XXXX and XX/XX/2019, I also made payments of {$510.00} ( each month ) and these payments ( checks # XXXX and # XXXX ) were accepted and processed by Shellpoint as I confirmed from the copies of the cleared checks from my financial institution. 

As these payments were accepted and I met the requirement to make a down payment by XX/XX/2019, it was my understanding that my account was brought contractually current. However, I submitted payments for the months of XXXX and XXXX these payments were returned to me indicating ( incorrectly ) that my account is more than 90 days in arrears, and I am not in an active workout with Shellpoint. Since this time I have made numerous call to ShellPoint where I have been transferred from person to person and no one will help me to resolve this. I wrote an email documenting the information and have never received a response. I have now sent a certified letter with attachments detailing the workout letter they sent and the payments I made and they accepted. 

It is imperative that this issue is resolved as soon as possible as I complied with the requirements for a workout ( deferment ) and have submitted payments for the mortgage every month since XX/XX/2019 and can not afford to lose this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have made several attempts to contact and successfully submit dispute letters to Equifax and I have had credit repair services to reach out to the company, in efforts to have an inaccurate collection account removed. I have had both XXXX  and XXXX XXXX remove the account and update my credit reports. However, Equifax has not only not removed the account, but has not responded with an update and I am now at 45 days due. I have tracked my letters that I sent to them via certified mail. 



I have since sent another round of dispute letters with the tracking receipt to support my claims. Please help me with the investigation of my claims and disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: SC

Complaint narrative:
This " law '' office has called me repeatedly at my office and on my cell phone ( which is listed on my office phone for patients to contact me ) saying that they have a " time sensitive issue '' for me but would not leave any information with my staff. They first titled themselves Brown and Joseph Law firm which when researched on the internet comes up as a fraudulent agency for debt collection and now, they are calling themselves XXXX XXXX XXXX. Same contact number. I do not owe anything, have received no delinquent notices of any kind from any of the companies I deal with and my accountant, who is my husband, and who is also a CPA and Chartered Accountant says there are no debts owed anywhere. How do I get a cease and desist? Also, why haven't these people been stopped?? they have been calling since XXXX leaving these vague messages. I left a message one time stating that if they could not leave a more detailed message or contact me via mail then I would not be contacting them. Please assist me ( and probably a number of other people ) with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They are reporting incorrect information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They are not reporting the DATE OF LAST ACTIVITY on either of these 2 accounts, and will not delete them. I will seek legal action if not removed. They also refuse to honor other disputes. The website is only set up to dispute once.

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 2020-02-19 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: TX

Complaint narrative:
My complaint against Equifax is that they consistently report my credit score as 60-80 points LOWER than the other reporting agencies. I have tried disputing incorrect information on my Equifax but they either confirm the information ( new creditor who purchased old debt that should have been deleted ) or they refuse to let me dispute the old information. Equifax 's inability to report fairly and accurately is problematic for ALL individuals. Along with their data breach, they've shown themselves to be unable to provide trustworthy service while continuing to charge creditors for their services.

Company response to consumer: Closed with explanation