vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my 3rd attempt to rectify this situation. I have provided proof that these accounts are fraud. I have attached below a document that sent to me from XXXX XXXX XXXX   proving that the account I had with them was fraud. I have also provided proof that the other accounts are fraud. Please review all documentation attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CO

Complaint narrative:
The following collection item showed up on my credit report in XX/XX/2019 : MRS BPO # : XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Responsibility : Individual Account DateUpdated : XX/XX/2019 Original Amount : {$100.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< I have no idea what this is for. I do not do any business with XXXX. I disputed this account with XXXX  and XXXX. XXXX removed the item from my credit report but XXXX  returned results of 'VERIFIED AS ACCURATE '. This is NOT correct. I do not have any business dealings with XXXX  or MRS BPO and therefore this item should NOT be listed on my credit report.

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 2019-06-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I Have 2 credit inquires that i believe its fraud The First One is by Best Buy credit card services Second one is by XXXX XXXX credit service never applied for any of these credit cards to have inquires from these companys can you help please thanks

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 2019-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Late payments reported for XXXX and XXXX in XXXX. 
I never received a bill requesting payment. I received a phone call from Navient informing me that I was behind on my payments and requesting a payment, which I notified the representative that I never received a bill and that if I would have received a bill I would had taken action to the matter to prevent late payments. Per Navient representative the bills were emailed to me, at this time the representative was informed that email was not my preferred method of communication as that time I did not own a computer, lap top nor smart phone and requested communication via U.S Postal Mail. During that phone call I informed Navient representative that I was unable to make any payments at that time as I was still looking for a job after graduating- ( assuming all calls are recorded ; this conversation may be audible though Navient 's recording system ). The representative recommended a deferment in which I took immediate action and completed all the requested paper work. On XX/XX/XXXX I mailed the Credit Bureau Management for Navient to dispute the late payments reported as I never received a paper bill. 
XX/XX/XXXX Attention : Credit Bureau Management Account # XXXX I am requesting that the delinquent payments reported to the three credit bureaus in XXXX, XXXX and XXXX of XXXX be removed due to the fact that I never received a bill requesting payment. I did receive a phone call some time after that requesting payment because they were late, in which I did tell the representative that I never received a bill. I then took action to apply for a deferment at that time. 




Sincerely, XXXX. 


I did not receive a response to my dispute, it wasn't until XX/XX/XXXX at XXXX when I contacted Navient to follow up with any results in which I was informed that my dispute had been resolved, that they disagree with me and that an email was sent to me with an explanation. I informed the representative that I never received and email then I was told to check my spam or contact my internet provider if I am not getting emails. I questioned why didn't I receive the explanation in the mail by paper, and that this is what happened with my initial bill in XXXX that I never received and that a representative was informed back in XXXX that my preferred method of contact was via U.S postal mail. I have checked all my emails-spam, inbox, deleted and still do not see an email from Navient with the dispute explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc

Complaint narrative:
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NH

Complaint narrative:
*On XX/XX/XXXX, I received from National Credit Systems, INC informing me of a account they intend to place into collection. 
*On XX/XX/XXXX, I attempted to contact them via phone call, no answer. 
*On XX/XX/XXXX, I sent via certified mail a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
*On XX/XX/XXXX, I sent a second certified letter with a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt. 
XXXXOn XX/XX/XXXX National Credit Systems , INC reported this account to Credit reporting agency XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To CFPB I received a credit alert today that something had been placed on my Equifax report, I have just had a doctors appointment because Equifax continues to disobey Federal Law in that they refuse to verify ANYTHING placed on someone's report. I have been notified by my doctor to stay out of stressful situations because I suffer from XXXX and the XXXX XXXX XXXX of the XXXX is greatly affected by stress, Equifax doesn't seem to care about people 's health no, the only thing they care about is the money they are paid from companies that also are violating the law. EQIFAX HAS BEEN WARNED MANY TIMES TO OBEY THE LAW AND THEY CONTINUE TO NEGLECT THIS WARNING. I have had enough of this willful disobedience on the part to Equifax it's time for jail time for Equifax because once again they have continued to disobey the law and this company who has placed this on the report, XXXX XXXX has also violated the law in that I have received no notice of this bogus debt they claim I owe. The governors across the U.S. have passed laws that prohibit medical debt to be reported for 6 months after the debt. But I don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have tried to rectify problem before with Chase each month when the payment is made the Chase rep calls XXXX to straighten out the payment has been deducted yet by my account I now have a payment history and without knowing I have tons of late charges never disclosed by Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Services
State: MN

Complaint narrative:
to whom it May Concern this letter is being sent to you via the Cfpb website in response to a noticed that you sent to me on XX/XX/2019 Be advised this is not a refusal to pay, but a noticed sent in pursuant to the fair Debt collection practices act 15 uc 1692g sec 809 ( 8 )  stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address But a request for Validation made pursuant to the above- name title section 1 respectfully request your office to provide me with competent evidence that I have legal obligation to pay you. I will need for you to provide me a copy of what the patient was seen for what test was performed suck as lab work x-rays etc.. which Doctor saw the patient. at the time I will also inform you that if your office have have reported invalidated information to any of the three reporting agencies this action might constite fraud under both federal and states. due to this fact, if any marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the FCRA violation of the FDCPA if your office are able to provide the proper documentation as requested following declaration I will require at least 30 days to investigate this information during this time. collection activity must cease and desist I will be awaiting your response. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I set up an temporary repayment plan with XXXX mortgage to bring my account current. I was instructed to pay by mortgage due 1st at the regular balance of XXXX and starting XX/XX/XXXX the payment I was behind would be spread out until XX/XX/2019 bringing my new payment to XXXX my servicer was changed to PHH mortgage. I was never notified the plan was canceled. PHH had the agreement plan from XXXX but told me I would have to wait for my payments to behind for 2 months in order to restart the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
We received a statement from Ditech dated XX/XX/XXXX, informing us that the mortgage payment was increasing from {$480.00} to {$1000.00} effective XX/XX/XXXX. 

I called Ditech at the beginning of XXXX after receiving the notice to inquire as to what was going on and why was an escrow account set up on our mortgage account. 

I was told the escrow account was set up to pay the property taxes. I informed them and also sent copies of " The Tax Deferred for XXXX and over '' agreement we have with XXXX XXXX. 

Ditech claimed that they had been paying the taxes even though we had an agreement with the county. 

A Ditech representative said they would be researching. 

I also told them that we had never had an escrow account, that we had always paid our taxes and insurance directly to the tax office and insurance company since XXXX. 

I informed Ditech that we had never approved an escrow account and to remove it. 

After numerous calls to Ditech, I was told by a Tax Department representative that they had never paid property taxes. 

I was then told that the Escrow account was paying the homeowners insurance. I also informed this department that we have always paid the insurance directly to the insurance company. 

After additional calls and conversations I was told by the XXXX XXXX that they were NOT paying the insurance on the property. 

At this point I was told by a Ditech Customer Service Representative that I could not talk directly to anyone in the Escrow Department, that they do not talk directly to customers. 

After several more attempts to resolve this matter, I was told by a representative from the XXXX XXXX that the Escrow account had been set up for future use in case the Tax Deferred for XXXX and over was dismissed or deleted. 

I was told by the XXXX and XXXX XXXX ( XX/XX/XXXX ) that they submitted a request to have the Escrow account removed from the account immediately. 

I was told that request would take 7-10 business days to complete. 

I am currently waiting for written confirmation that this has been done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt was incurred by XXXX  XXXX one the year XXXX  and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) XXXX XXXX is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I purchased a new XXXX XX/XX/XXXX financed through GM Financial. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and GM Financial would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. GM Financial did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, GM Financial is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXX the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with GM Financial using unethical practices. This is really emotionally disturbing and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, I sent the attached letter to Capitol One asking that they close this account. 

They called me about a week later, and transferred me to 4 people, none of which was willing to close this savings account. It seemed like a programmatic way to avoid closing an account, and it took an hour of my time. 

Now, on XX/XX/2019, the account is still open. Almost six months later. There is a XXXX  balance. 

Would you please ensure that Capitol One adhere 's to my request and close this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XXXX we receive a promotional offer from Barclay 's to open an account with them with 0 % interest rate for 15 months billing cycle, all purchases including balance transfers. When I check the statement this month, I notice an interest rate was applied to the account. I called Barclay 's and spoke with XXXX ( who is rude and hang up on me ) when I questioned the interest rate. then I called again and spoke with supposedly the supervisor of XXXX, Her name is XXXX, she said that what we signed up is 0 % balance transfer only and not 0 % interest for purchases. I said this is not what we signed for a 22 % interest rate. This is a case of bait and switch tactic by Barclays and false advertising. XXXX indicated Barclay will not honor the 0 % interest for purchases for 15 months. This is not what we originally signed up for. We opened the account based on the premise that 0 % interest rate on purchases for 15 months, not what Barclay is claiming

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 2019-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2019, we notified USAA about an unauthorized deposit into our account We were told they would lock our acounts and investigate the situation. Somehow the hackers were still able to take the money out after being locked ( what usaa said ). We called them several times for a status. On XX/XX/2019, they unlocked our accounts. We noticed we were charged for the fraudulent charges. The fraud department said that my phone was hacked by terrorists and the money was sent to an offshore account. But they faulted us for it. We've been banking with this company for 15 years. Where was our protection? Why are we being charged for something we had nothing to do with it. They told us had we not had over draft protection on our credit card/accounts, they would've closed our accounts, froze our assets and reported us as frauds. That is not ok. I dont need your workers telling us that we were lucky that it was a small amount. No matter the amount, it shouldn't have happened to us. Did you check the signatures? The origin of the deposit or withdraw? You were supposed to protect us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
All of the money in my chase checking account was stolen by an unknown account via chase quickpay on XX/XX/2019. There were two unauthorized transactions under my brother and sister 's names but they were not recognizable email addresses. It seems like my chase account got hacked. One transaction was for {$1100.00} and one for {$87.00}. I was asleep when this happened and only found out about it when I woke up because of a notification. My brother and sister confirmed that it was not them and they did not receive any money in their accounts. I tried calling chase but they would not help me and were not able to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019 I entered chase bank located XXXX XXXX XXXX in XXXX New Jersey to deposit 10 money orders with a total sum of US {$9000.00}. The next day I was told there was a restriction on my account and I was to prove that the money orders was legitimate by bringing in the receipts which I didnt n have and had to have them shipped from overseas. I was able to provide nine out of the 10 receipts due to a miss placement of one. After that I was still told that I have to provide the 10th receipt in order to lift the restriction and if I cant provide it that my finances has two years to be claimed Or it will be sent to the state.

Company response to consumer: Closed with explanation