vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry SPV, llc and attorney XXXX XXXX XXXX delivered lawsuit paperwork to my building and left it at the front desk for all employees to read. It was not enclosed in an envelope or folder. All details were exposed to several people where I live. 
Paperwork left on XX/XX/2019 

Front page clearly showed a XXXX XXXX  woth my name. 

This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
MEDICREDIT INC has reported a medical collection to my credit report in XXXX of 2019. I received a collection letter from them a month ago and XXXX a dispute as well as called to dispute this amount within 30 days of receipt of collection letter. HOWEVER, medicredit ignored my dispute and keeps reporting this wrongful collection on my credit. Now I'm getting calls very threatening and rude calls on my cell and at work, stating that I will be arrested or issued a warrant if I didn't pay {$5200.00} immediately. They said they will freeze my accounts and levy my wages and arrest me .... how is this legal to do. I have a full medical coverage, I contacted XXXX  hospital who stated they had no past due balances with then that insurance paid all costs and they are NOT affiliated with medicredit. So this whole collection is a FRAUD. Please help me bring medicredit to justice and remove this erroneous account from my credit report immediately and accordingly

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 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I do not owe the amount TeleRecovery is trying to collect on behalf of XXXX XXXX XXXX. My lease was up XX/XX/XXXX-- I moved in on XX/XX/XXXX, moved out on XX/XX/XXXXdue to circumstances beyond my control ( I LOST MY JOB ) ... So if I moved out with 1 month remaining, how do I owe {$2.00}? No where in the contract/lease does it state " if lease is broken you are still responsible to pay '' send me proof of that. I am also requesting proper verification and breakdown of this you are claiming that I owe, a bunch of numbers scribbled on paper is not a breakdown of charges.

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 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I called earlier, because I am missing points and was charged excessive fees. When I spoke to the agents, they would not listen and transfer me. When I called back, I asked for a supervisor. The male agent who answered the phone was incredibly rude and refused to transfer me an agent. He transferred me back to the main line before repeatedly refusing to allow me to speak with a supervisor to resolve the issues. He was incredibly difficult to understand and speak with. So I am hoping to get alternate help to resolve the issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter.

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 2019-06-14 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: GA

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Sincerely,

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 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and I just recently opened a Chase banking account and was excited about it! I received my ATM card I was using it for deposits everything was good and then I get a letter saying that chase is closing my account because they found out that I live in a hotel! I explained to them that I'm a resident of the hotel and that's I'm getting housing next month and I will have a different address for them but they still wouldn't accept that I live in a hotel even though I had a written form saying that I'm a resident at my hotel and my manager signed it they said that they needed it witnessed and my manager needed to go down to the bank! I don't know any managers of the hotel that are willing to do that for anybody! I just feel I was discriminated upon and that it's wrong I'm going to close my account all because I live in a hotel!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
I took out a 2nd Mortgage on my house on XX/XX/XXXX, through XXXX XXXX , XXXX Later it was sold to XXXX XXXX XXXX , XXXX XXXX , then to Real Time Resolutions, who currently holds this loan. The original amount loaned to me was {$15000.00}. After paying on this loan for 14 years now, I still owe {$12000.00}. 

I called XXXX XXXX ( XXXX ) on XX/XX/XXXX, and spoke to XXXX XXXX. I told him of my issue, requested an amortization schedule showing how my balance is still so high ; he stated that he would have someone call me within 30 days. 

I never received any sort of response from my first phone call. My 2nd phone call was made on XX/XX/XXXX. I again reached and spoke to XXXX XXXX. He says the loan boarding department reviewed my account and that their figures are correct. I again requested an amortization schedule or any other document that will show me how my payments have been applied and why my balance is still so high. XXXX stated that he would " escalate '' my issue and that I would be contacted within 10 days. 

Over 4 months later, XX/XX/XXXX, I STILL HAVE RECEIVED NO RESPONSE in regards to my requests. I called today and spoke with XXXX XXXX. He was beyond rude, talked over me repeatedly, then advised that I did not " correctly state my request in my two previous phone calls ''. He also stated that his notes show that my loan, which was set to be paid in full as of XX/XX/XXXX, would not be anywhere near being paid off. He told me that he would request a document showing how my payments have been applied, but followed up with " but I can not confirm that you'll actually get such document ''. 

I have been paying on this loan for over 14 years at {$210.00} per month and per Real Time Resolutions, I have only paid off a total of {$2500.00}. I would like to know where my money has been posted and how I could still owe so much. I did contact the original loan holder, XXXX XXXX, and since they'd sold the loan years ago, they were not able to help me. 

I appreciate any assistance you can give as I feel I am NEVER going to get out from under this debt. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In early XXXX I noticed that there were charges in the amounts of $ 20-25 on my account from " XXXX '' and contacted my bank ( bank of america ) to remove these charges because they were unauthorized. I was told to contact XXXX and check with them if these charges did occur and I was mistaken. After contacting them they confirmed that the charges were not there on their end either. So I called my bank back and made a claim and they gave me temporary funds and said that they would look into it for the final decision. In early XXXX I received a notice saying that my claim was rejected and they were taking back the temporary funds that amounted in about {$54.00}. They removed these funds and now my account is in the negative and i received an overdraft fee. I still want to reject these charges because XXXX said that I never made them and I don't remember making them either.

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 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX  and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

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 2019-06-14 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: IL

Complaint narrative:
PayPal, which handles online financial transactions between buyers and sellers on the XXXX  platform, is improperly withholding payments to XXXX  sellers even when perfect performance has already been rendered to XXXX  buyers. This unjustified withholding of valuable consideration from XXXX sellers is a clear breach of PayPals escrow contracts with various parties, especially in the absence of a sellers breach and without the approval of buyer and/or XXXX itself, because it is not authorized by statutory, decisional not administrative law and imposed costs on XXXX   sellers. PayPals has already been put on notice about the unlawfulness of its approach and the injuries that are imposed on XXXX  sellers, but this escrow agents persists in its error and refuses to uphold its fiduciary duties. The argument that PayPals breach of its escrow contracts actually helps XXXX to prevent fraud has no basis in law nor in fact, considering that XXXX provides numerous protections to its buyers that does not require impairing the rights of sellers and does not support this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: FL

Complaint narrative:
XX/XX/2019 and repeatly XX/XX/XXXX I had disputed on my XXXX credit report because I had paid it in full and they denied the dispute and it remains on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
American express failed to honor targeted upgrade offer for XXXX $ statement credit after XXXX minimum spend and keep your current interest rate when upgrading from blue cash everyday to blue cash preffered credit card. 

I upgraded the card on or around XX/XX/XXXX. 
My interest rate at the time was 9.99 % per a promotional rate applied in XX/XX/XXXX. 

I received no email confirmation that I had upgrade my card or made any changes to my account. 

I then received the new card inthe mail with terms and conditions stating a new rate of 24.99 %. 

I met the minimum spend of {$2000.00}. 
The XXXX $ statment credit has not been honored as of XX/XX/XXXX. 

I called in to inquire about the missing promotions on XX/XX/XXXX @ XXXX. I spoke with a representative who said she could not honor the upgrade offer. I spoke to a manager who said they would submit a case that would take 8 weeks and later said he would submit a case to investigate that would take 2 weeks. 

I called back to inquire about the case on XX/XX/XXXX at XXXX XXXX. I spoke with a representative who said the investigation had determined no offer or promotion had been applied to my card at the time of upgrade and that he would not honor the promotion. He transfered me to a manager. the manager stated she would submit another case and call me back by XX/XX/XXXX. She did not call back. 

I called american express on XX/XX/XXXX at XXXX and spoke with a representative who stated that I had never had the 9.99 % rate on my card. This is false. He stated he would not honor the upgrade offer. 

I spoke to his manager who stated the same. I stated I wanted to cancel my card and was transfered to retention, I spoke with an agent in retention. He stated that he would not honor the offer because of the results of the case submited several weeks prior. He then stated he could not see promotions from XXXX, that he hadn't worked there then and had just started. 

American Express failed to send me any confirmation documents of changes to my account. 
American express failed to honor a targeted off they made to me that I accepted online through my account home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX/XXXX XXXX FL, Brclybankde XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

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 2019-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX XXXX FL, XXXX XXXX DE and Capital One XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: GA

Complaint narrative:
Experian is reporting an account on my credit file that does not belong to me and the account is as a result of identity theft. Experian is reporting the following account fraudulently : XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$19000.00} Balance Updated XX/XX/XXXX Original Balance Monthly Payment {$780.00} Past Due Amount Highest Balance Terms 62 Months Responsibility Individual Your Statement Comments This is not my account and is on my credit file as a result of identity theft. I have contacted XXXX XXXX in Experian 's Consumer Affairs department to file a dispute of fraud but he has never called me back. I have sent 3 certified letters to Experian demanding they remove this fraudulent account from my credit file and they have refused to even respond to me. I have provided a police report to Experian regarding this and other fraudulent accounts being opened in my name without my permission as a result of identity theft and they have not responded to me in over 3 months. This is not my account and I am attaching my recent police report to this complaintl

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 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our loan was sold to Specialized Loan Serving from XXXX XXXX. We made payments just as before normally but there was extra money due and I couldn't figure out why. I called them and they said something to the point of since the loan was just sold to them, the escrow accounts are just being figured out and that extra money I owe for escrows should be worked out soon. Not to worry. They were very nice about it. Then after a few months, we got a late charge saying we hadn't made the proper payment. I called back saying that I had previously contacted them about the escrow money and that I was waiting for it all to get worked out. They were very rude this time and acted like they had no idea what I was talking about. They said that the escrows were refigured and short so we had to pay the difference. OK, that would have been no problem, but they increased the payment ( to cover escrow shortage ) and we were dealing with evacuations and relocation. So we were never late just short on the regular amount of payment since it is automatically paid the same amount every month. 

Now, we are looking into our credit scores and for the first time see that they have marked us as late on our credit report. I'm enclosing all the screenshots for you to see and I can supply whatever else you would like me to. In the middle of all of this, we were affected by the fires and a mudslide and had to evacuate our home. I asked if these disasters affected my payment at all and they said they didn't know and that they would not look into it. I told them that it wasn't a good decision to take into account the disasters, again very rude about it. I was quite taken back by this since I had received a letter stating that if there were any problems due to the disasters to let them know. 

I also want to add that I receive many emails from Specialized Loan Serving and not once did I receive an email about my payment being higher than normal. When I asked them why they couldn't have let me know about my increased higher payment, they said they are not authorized to send statement payment information - just all other information. 

They charged us not only penalties on our escrow shortages ( that were recalculated after the sale ) but also negative credit report marks. Thanks for looking into this it. Thank you, XXXX and 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