vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: NC

Complaint narrative:
My husband and I had a joint checking account with Chase Bank for over 20 years. 
The account was opened while we lived in the XXXX area. After moving to XXXX XXXX XXXX years ago, we opened new bank accounts with a local bank because Chase did not have branches in XXXX XXXX. We had an automatic monthly life insurance premium deducted from the Chase account and automatic monthly deposits for my husband 's small pensions. We accessed this account infrequently because there was no need to. It was simply easier to leave this account in place than close it and change the automatic deduction/deposits. 

In early XX/XX/XXXX my husband noticed that XXXX separate withdrawals had occurred, XX/XX/XXXX in the amount of {$790.00} and XX/XX/XXXX in the amount of {$1500.00}, neither of which we authorized. My husband contacted Chase to report the theft and was told someone would look into it, and in the meantime, a temporary credit would be issued. A few days later in XX/XX/XXXX while talking again with Chase, my husband was told two additional withdrawals had occurred, {$1.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX. My husband had been told by Chase that amounts taken fraudulently and reported within 60 days would be reimbursed. 

While reviewing our Chase account yesterday, we noticed that {$1.00}, {$790.00}, and {$1500.00} had been reimbursed in our account, but the {$1500.00} taken in XX/XX/XXXX had not. The theft of {$1500.00} had been reported on XX/XX/XXXX, 52 days after it had occurred, within the 60 day window. 

I called Chase XX/XX/XXXX to ask about the un-reimbursed {$1500.00} and, incredibly, was told the 60 day window started with the first theft that occurred in XX/XX/XXXX. That the thief was clever enough to withdraw the unnoticeable amount of {$1.00} and wait another three months before withdrawing fraudulently again, it was, according to Chase, our misfortune that the 60 day window had passed. 

We depend on our bank to safeguard our assets and not simply give our money to anyone who asks. We also expect our bank to reimburse for fraudulent activity when reported promptly. Chase 's 60-day window that starts with the first occurrence is arbitrary and harmful to it's customers. My husband was told that after an incidence of fraud is reported, the bank will neither investigate further fraudulent activity nor reimburse the loss ( es ) resulting from fraud. In other words, a thief who repeatedly accesses an account will simply be allowed to do so at a Chase bank. 

In our case, we were victims twice - the first by the unknown person who accessed our account, and by Chase, who has refused to reimburse us for the {$1500.00} loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting me as 120 days past due on XXXX   XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.

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 2019-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting me as 120 days past due on XXXX  XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: PA

Complaint narrative:
I have two XXXX account I wrote out a check out of the wrong account, my mistake, XXXX XXXX never called me or text me about my oversight, instead they sent me a letter by the time I received the letter it my account pass due by 4 days. Before that happened I had 19 yrs of never being late on an account. This caused my Fico to drop by 91 points. 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 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX put collection on my credit reports without my knowledge and in doing so ; this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above  identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I consolidated my student loans. Navient became the my creditor. First off they said I received a $ XXXXXXXX refund after the consolidation, which I never received or even heard about. 

When I originally had my loans consolidated by the XXXX XXXX XXXX they were $ XXXXXXXX ( approx. ) When I began making payments to Navient, my loans were suddenly over {$80000.00} ( approx ). I have been paying on these loans since XX/XX/XXXX monthly and they haven't decreased at all. 

I called Navient to find out how I could address my student loan debt as my principle amount continued to increase despite payments recommended by Navient. I asked about loan forgiveness because I worked for a non-profit drug and alcohol treatment program as a counselor for many years. I was told that Navient did not offer loan forgiveness. I asked the young woman if there was someone else I could speak to about my options and she told me she was the supervisor and she wished she could help me, she understood my frustration because she had student loans herself she had to pay back. There was nothing they could do for me. I said how can my loans be increasing if I am paying the interest plus principle ( approx $ XXXX. ). She said she didn't know. 

Several months later I called again as I had resigned from my position and was on unemployment. Navient instructed me to get a forbearance on my loans. I did so until I was off unemployment and employed again. They suggested I 2xs that I do an interest only re-payment plan. 


I believe Navient manipulated my ignorance and did not guide me well with repayment options. I believed that Navient misguided me into a forbearance as well as an interest only payment to profit from my ignorance. I further believe that Navient either recorded a refund that they never sent me or that this refund as a result of my loan consolidation was fabricated for their benefit. Finally I believe that Navient hires debt counselors that are not qualified to advise students about their debts to Navient. Taking advantage of students for profit is wrong. 

Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: MRS BPO, LLC
State: TX

Complaint narrative:
XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/ 2019 we submitted a formal request for a trustee to trustee IRA transfer of approximately $ XXXX to Pentagon Federal Credit Union ( PenFed ) at the XX/XX/XXXX maturity of a five year certificate of deposit.. On XX/XX/XXXX we contacted PenFed inquiring why the funds had not been transferred and were still sitting in non-interest bearing share savings account. We were told that they found the transfer request and would process it. As of today. XX/XX/XXXX the funds have not been deposited with the new trustee, XXXX XXXX, although the PenFed savings share account shows a XXXX balance.

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 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XXXX XX/XX/2018, I arranged an on-line wire transfer of {$500.00} from my HSBC-XXXX  account, to initiate my new HSBC-US account. The US branch deducted their standard {$15.00} wire charge from the deposit, but summed this as {$470.00} - a XXXX discrepancy. In addition, the wire charge has shown up a second time on my online statement. In total, HSBC-US has incorrectly deducted {$25.00} from my account. 

I have tried to resolve this with HSBC-US ' customer service phone line 4 times, plus 4 times using their 'bankmail ' service, without success : They just say that the missing {$25.00} " must be '' fees deducted from my transfer amount by the sending XXXX branch ( I have confirmed with the XXXX customer service that this is not so ). I have, at least 3 times, offered to send copies of the paper outgoing and incoming Wire Transfer Advices, which clearly show that the discrepancy is within the US branch. But they don't seem to have any interest in seeing these.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Our law office has called Wells Fargo on numerous occasions trying to verify the debt and make payment ; however, every time we are transferred to multiple departments were no one can or will speak to us on the account. Wells Fargo claims we have not sent in a power of attorney ; however, we have sent in multiple powers of attorneys via mail, fax, and email. Each time we speak to the company they give us a new number to fax it to or different parameters for the contents of the power of attorney. This finally escalated into our firm opening two cases with the Office of the President. After working with their investigator, Mr. XXXX, it was determined that Wells Fargo did, in fact, receive the power of attorney [ on multiple occasions ] and it had not been processed. Mr. XXXX then gave us a number to contact to make payment. Once we called the number, the employees in the department once again refused to speak to us citing a lack of power of attorney. Once again, we were transferred to the Office of the President. We spoke to an employee named XXXX ( employee ID number XXXX ), who was adversarial and condescending. XXXX begrudgingly transferred us to a manager. The Manager, XXXX employee ID XXXX, stated that we were calling the wrong department and transferred us. Once again, this led back to a transfer to the Office of the President.

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 2019-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just downloaded a copy of my credit report as reported by Transunion. I discovered that I have a victim of Transunion credit breach and their inquiry errors breach. Therefore, I have called Transunion earlier today, after noticing that I have been a victim of having the inquiries on my files, which are not mine. I just called at XXXX XXXX CST and was on the phone with the customer services representative for 20 minutes. Even after my explanation that I have not conducted business with the companies, whose inquiries are appearing on my credit file. She instead instructed me to get hold of these companies, myself at the contact info. provided in the credit file. There are 15 inquiries, not made by me. She instructed me to get hold of these companies on my own and get a letter of deletion from them. Despite my request and affirmation that I have not authorized these inquiries nor have conducted the business with these companies. She refused to help and stated that it the company policy to not remove these inquiries, even it might be Transunion fault, Transunion computer breach or someone's fraudulent attempt to obtain the credit under my name.

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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my XXXX credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX XXXX XXXX  Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage XXXX  they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA CREDIT CARD CLOSED BOTH MY CARD ACCOUNTS DUE TO SSN BEING " DUPLICATE '' THEY SENT ME ONE FORM OF WHICH I FILLED OUT AND RETURNED, HOWEVER, B OF A CLOSED MY ACCOUNT ANYWAY AND DIDNT EVEN INFORM ME, I WAS NOTIFIED BY MY CREDIT MONITORING SERVICE. WHEN I REACHED OUT TO BANK OF AMERICA TO GET THIS RESOLVED, I WAS TREATED RUDLY BY THE TEAM MEMBERS AND HUNG UP ON XX/XX/2019.

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