vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
After I left my former rented apartment in XX/XX/XXXX the landlord charged me for damage that was pre-exicting as documented on the move in checklist and held my deposit. I disputed it with the landlord requesting my security deposit. 
In XX/XX/XXXX I found a collection agency reporting the debt. I sent them a letter that they received and signed by the collection agency in XX/XX/XXXX at XXXX XXXX  disputing all charges and they didn't respond to the letter and continuing to collect and reporting the collection to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
THE CHASE BANK CLOSED MY ACCOUNT ONXX/XX/XXXX, AND I ISSUED A CASH CHECK ON MY NAME FOR THE AMOUNT OF MY BALANCE USD XXXX. THIS CHECK WAS SENT TO THE REGISTERED ADDRESS AND WAS LOST ; THE DAYXX/XX/XXXX I DIRECTED TO THE CHASE OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, EE. UU TO SIGN THE APPLICATION FOR THE STOP PAYMENT OF THE BOX CHECK NUMBER XXXX, I RECEIVED XXXX XXXX XXXX, CARRY OUT THE FIRM MANAGEMENT AND INDICATED THAT IT WOULD BE SOLVED IN 5 WORKING DAYS, WAIT FOR THE INDICATED TIME AND HAD NOT RECEIVED ANSWER, CALL THE DAY XX/XX/XXXX TO THE DEPARTMENT THAT HAD MY CASE, I WAS INDICATED THAT THEY KNOW THAT I WAS IN THE OFFICE OF THE BANK BUT THEY DID NOT RECEIVE THE FORM OF THE STOP PAYMENT, TRY TO COMMUNICATE ME WITH THE XXXX. XXXX XXXX AND I HAD TALKED WITH HER ON XX/XX/XXXX, I REMAIN TO MAKE THE SHIPMENT AGAIN AND RETURN ME THE CALL WHAT I DID NOT DO, I CALLED IT BACK ON DAYXX/XX/XXXX AND I INDICATED THAT I HAD TO WAIT AGAIN 10 DAYS WORK ABILITIES. WAIT UNTIL XX/XX/XXXX DAY AND CALL THE DEPARTMENT THAT HAD MY CASE, THEY INFORMED ME THAT THE DAY XX/XX/XXXX THE CHECK WAS PAID ON AN ACCOUNT ON MY NAME IN THE XXXX XXXX XXXX, WHICH I DO NOT OWN NO ACCOUNT IN SAID BANK. ON XX/XX/XXXX BACK TO CHASE BANK OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX I WAS ATTENDED BY XXXX XXXX XXXX XXXX ; TO FORMALIZE A CLAIM FOR THE UNFAIR PAYMENT OF BOX CHECK NUMBER XXXX FOR XXXX XXXX WHICH REQUESTS STOP PAYMENT AND WAS NOT PERFORMED BY CHASE BANK, AFTER 3 MONTHS OF WAITING THE BANK ANSWERS THAT IT IS NOT PROCEED BECAUSE THE XXXX  XXXX XXXX WILL NOT RETURN THE FUNDS. AFTER THIS ANSWER THE CASE WAS TAKEN BY THE MANAGER OF THE OFFICE THE XXXX XXXX, WHO LIKE MY PERSON DOES NOT UNDERSTAND LIKE A BOX CHECK THAT IS REQUESTED A STOP PAYMENT THE DAY XX/XX/XXXX COULD BE PAID ONXX/XX/XXXX, I INDICATE THAT I CARRY THE CASE TO HIS SUPERIORS AND THE ANSWER STILL IS THE SAME : " DO NOT PROCEED BECAUSE THE XXXX XXXX XXXX DOES NOT RETURN THE FUNDS '' I LIVE IN XXXX XXXX AND I CAN NOT TRAVEL SO FREQUENTLY TO THE XXXX. IN THESE MOMENTS MY FAMILY HAS THE MONEY THAT THE CHASE BANK HAS NOT RETURNED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Left message they were taking me to court in XXXX XXXX. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was fromXX/XX/2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.

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 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I have used the XXXX trading platform for about two months now with no issues. Today, XX/XX/2018 I was locked out of my account due to a possible computer glitch I'm told by customer service. I have about {$9000.00} in their platform and my bank ( XXXX ) says there are no issues with my account on their end. XXXX told me It's likely my bank or a glitch in their system, and it will be 4-5 days before I get an email regarding this issue. The Terms of Use agreement says this will ONLY happen if they are required to do so by law. I have read blogs where people have been waiting to be unlocked for 45 days. My money isn't bad money, there isn't any fraudulent activity, my attached bank account is fine and XXXX has locked me away from access to my money. I want XXXX to unlock my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Upon verifying my credit reports, it appears that this company is being deceitful. They are using two different names on two different credit reports. On XXXX, they go by XXXX XXXX XXXX  and on XXXX, they go by XXXX XXXX XXXX. The billing statement that was sent to me is from XXXX XXXX XXXX. I verified that XXXX XXXX XXXX are not licensed to collect in the state of MI. Prior to determining that they were not licensed in MI, I sent them a letter requesting validation of the debt of which they state I owe. To date, I have not received a response, however the certified letter that was sent to them was received less than 30 days ago. At this point, I am requesting immediate removal of this collection account from all bureaus of which this account is being reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a personal checking account at Wells Fargo. 
I am not able to access my statements for these eight months : XX/XX/XXXX though XX/XX/XXXX. I have asked for them several times at my local branch. I believe that money has been taken from my account without my permission.

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 2018-04-04 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: MO

Complaint narrative:
I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I filed a complaint against Nationstar, Nationstar replied but did not address the issues. CFBP closed the complaint without allowing my rebuttal to Nationstar 's response, which is false. Nationstar needs to resolve the issue by addressing and rectifying their mistake : Nationstar failed to notify me of the escrow analysis, failed to notify me of the increase in my autodraft ( they drafted more than what was authorized ), they failed to allow payment of the escrow shortage, they failed to provide transcripts of the recorded conversation I had with two of their representatives onXX/XX/XXXX. 

XXXX stated the escrow analysis was mailed, which is impossible because I agreed to their electronic correspondence last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
This Request is Regarding a Debt that was Paid in Full inXX/XX/2012. 

In the year of XX/XX/2012, I opened a cell phone account for my son with XXXX cellular service that was sent to your collection. My son switched companies taking on the responsibility for his own cellphone service not realizing that we would still be subjected to the XXXX contract and his new one. I am sure XXXX explained the policy to him, but he was not able to maintain the payment with XXXX and the payment with his then new cellphone company. Unfortunately, my son didnt explain this to me and he allowed the account to go too long without payment so it was sent to collections. I was in the process of buying a home when I found out and I was horrified. I paid off the balance immediately hoping it would not negatively impact my credit and chances of becoming a homeowner. Unfortunately, it showed up on my credit report later. 

After almost six years this collection account has hurt my credit score and put me in positions with little negotiating leverage. Today, I can not reasonably afford a vehicle for my daughter who is currently attending college, because of high interest rates. I accepted the responsibility for the debt and paid it off in full inXX/XX/2012. 

I contacted Allied Collection Services today seeking their support with this matter and was told that they could send me a letter stating that the debt was paid in full. My conversation with the representative lead me to believe that I might be able to seek your help with my request for a goodwill removal of the derogatory report. 

I would like to humbly request that CFPB have some mercy on me and assist me with acquiring a Goodwill Adjustment to remove the Allied Collection account from the credit reporting agencies? Your kind gesture would be sincerely appreciated by my daughter and me. I would like to thank you in advance for any help you may provide in my quest to achieve credit freedom. 

Thank you!

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 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX keeps calling me from XXXX trying to collect debt I have no knowledge of that isn't on my credit report. They were claiming that I owed {$3000.00} to XXXX XXXX XXXX  for a credit card, which doesn't make sense because I have both a bank account and a credit card with XXXX XXXX XXXX that are current and in good standing. The credit limit also does not match. Despite me telling them several times that I do not have any knowledge of this debt and that it's not on my credit report, they keep calling me and using predatory terminology starting that they may sue me for the debt. They also called my fiance repeatedly looking for me and tried to talk to him about paying my supposed debt that I have no knowledge of that is again, NOT on my credit report and I've never received anything in the mail from these scam artists. I saw that these people were sued recently and I want them to stop bothering me and threatening me or I will also sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo, I have called for the last week to get a reinstatement letter with no call back. I have left 5 messages with my assigned migator XXXX XXXX. He stated he would call me last week and still hadn't. The company admitted they applied previous payments to the wrong account and I have attempted to get a check recut with no avail.

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 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I signed up for Chase XXXX XXXX Credit Card I was promised a free night after first year anniversary at any hotel with no category or points limit what so ever. Yesterday XX/XX/2018 I received a letter which notifys me that the free reward night can be redeemed for the hotels with less than XXXX points value. 
In my opinion ChaseXX/XX/XXXX is using an illegal bait and switch marketing advertise to get their customers. 
Al I want is for them not to change the rules for their current costumers and grandfather the promotion for their actual customers who already have this card. I understand that the introductory offers are changing all the time but that not the case with what they are doing right now. They need to stick with what they promised at the time of the enrollment. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc

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 2018-04-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]

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 2018-04-04 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: MO

Complaint narrative:
I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.

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 2018-04-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/2017, disputed all accounts negatively impacting my credit due to old accounts still showing up and incorrect account information about balances and payments and identity theft and false statements on accounts.

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