vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX  ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 
90.953 FLA. STAT. ( XXXX  ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. 


Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense. 

I asking does Suntrust bank have the original copy of the promise note that claim I sign?

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received a bill from XXXX XXXX this week for XXXX. Last month I received a bill for XXXX and a late fee of XXXX. I paid the XXXX original charge. THis month I got a bill for the late fee with an additional late fee on top of the late fee. They did waive the second late fee but if this is there regular practice, then they have a problem. First XXXX late fee on a XXXX charge is ridiculous but to charge a late fee on top of a late fee and their rep says it because there is an outstanding balance. This needs to be investigated. If they did this to me, a knowledgeable consumer, how many more have they done this to.

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 2018-04-30 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: U.S. BANCORP
State: UT

Complaint narrative:
This complaint is in regards to US Bank and their XXXX XXXX XXXX   XXXX Card : Background : In XX/XX/XXXX and XX/XX/XXXX, I received multiple offers in the mail and via email. I received one advertisement/offer that stated I would get 0 % APR on purchases for 12 billing cycles. A few days later i saw another email that was offering XXXX reward points for signing up. I preferred the 0 % APR offer so I applied through that email. I was approved in XX/XX/XXXX, i started using the card immediately. In XX/XX/XXXX, I then noticed that i wasn't receiving 0 % APR i so i called and spoke with multiple customer services reps and they were completely awful, they sounded so inexperienced. I then faxed a letter and sent them an email stating my frustration about not receiving the 0 % APR. 

In XX/XX/XXXX, i received a response and letter from US Bank president or vice president.. She said that i actually was approved for the XXXX reward points and NOT the 0 % APR. I said " okay.. that's fine, I'll take the XXXX points then. The letter also stated that i would receive the points in the next cycle ( certificates are mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX rolled around and no certificates were mailed out, i haven't received anything. 

It's now end of XX/XX/XXXX-XX/XX/XXXX and I still haven't received ANY REWARDS certificates. I was told by a rep on XX/XX/XXXX rep that i would receive them and they were mailed out on XX/XX/XXXX. After waiting a few weeks i called again and I was told by a supervisor on XX/XX/XXXX that there was a system glitch that prevented me from getting the certificates.I just feel like I've been lied to. I was supposed to get XXXX reward points for signing up for the card and I didn't receive any certificates for that. I've now accumulated over 30,000 reward points and haven't gotten rewarded for my usage of the card. I also sent an email to US Bank on XX/XX/XXXX and haven't heard back from them This is completely misleading and if I had enough money i would attempt to file a lawsuit but i'm just an average middle class american trying to survive and I mainly use this card just for groceries at XXXX. I'm extremely disappointed.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A number that I was not familiar with called me and when I answered it was a machine asking about a payment and interest rate on that debt. Prompted me to press 1 to speak to someone so I did. This person says that I have a missed payment and I ask him with credit card he is calling from he states Capital one. I do not have a capital one card so I tell him that. He then asks me then what credit card do you have. At this point the whole thing is suspicious and I refuse to tell him any further information and he then becomes rude with me and then clicks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX, there was no early termination of said lease as claimed by the creditor. 
On XX/XX/XXXX, I received notification regarding my ability to renew my lease. XX/XX/XXXX within the 60-day period, I requested that my lease be renewed for a period of 10 months. On XX/XX/XXXX, I received a notice of eviction. 
On XX/XX/XXXX, I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property on or before termination date of my lease. On XX/XX/XXXX, I delivered a letter to the creditor that described the terms of our agreement regarding the termination of my lease and my vacating the premises. 
On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX. The creditor is accessing me an early termination fee and various other charges under the lease which terminated on XX/XX/XXXX. I have disputed the validity of these charges by certified mail on XX/XX/XXXX and XX/XX/XXXX with the collection agency and the creditor. 
I have requested by certified mail on XX/XX/XXXX and XX/XX/XXXX copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter. 
On XX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''. 
On XX/XX/XXXX, I receive notification that my original complaint was closed to the Federal Trade Commission. The creditor claims that the lease was terminated early. Not such termination exists. The lease expired on XX/XX/XXXX and I was not provided with any opportunity to renew my lease as I stated in my notice dated XX/XX/XXXX. 
Further, the parties agreed in front the judge that I would vacate the premises on or before the expiration of my lease. I did so as we agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
XX/XX/XXXX we signed a mortgage. It had a balloon payment due XX/XX/XXXX. 
We had forgotten about our balloon payment and when we made our XX/XX/XXXX payment in XX/XX/XXXX, Ocwen refused to process it. We tried to make another payment, but they still refused to process it. We were informed we had a balloon payment due and they said we needed to pay the balance in full. Because they would not process our payments, we were past due on our mortgage and so we could not qualify to refinance our home. We thought if we filed Bankruptcy we could save our by entering into a payment arrangement and they would not allow it. Our home has been foreclosed on and is due to be sold XX/XX/XXXX. We have also found that that mortgage was recorded on the wrong piece of property. It was recorded on a piece on land we own next to our home. Now the attorney said they are going to take both pieces and our home. This is not fair as we did not sign over both pieces of property for our home loan. We desperately need you help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase failed to provide compensation for XXXX Class Action Services, amount is {$1700.00}, as indicated in their letter dated XXXX XX/XX/2018. Chase cheated with the settlement, promised by federal court and significantly delay payment so that victims eventually forget such a payment. It is illegal and fake practice by Chase. Chase Rewards, Program Settlement, XXXX. XXXX XXXX, XXXX, RI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
If regulated banks such as XXXX and Citi are allowed to discriminate as to which companies and individuals they allow to do business with based on their personal preferences or political beliefs and insert themselves into social engineering, then where is the line drawn? XXXX vs XXXX banks, straight vs XXXX banks, and gun owners vs non gun owners? When the next financial disaster occurs will we voters be allowed to give a thumbs up or down on each whether they get a taxpayer bailout or not?

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
For the pass 2 years dated back in XX/XX/2015 i closed out my XXXX XXXX account due to financial hardship but unfortunately XXXX XXXX and the collection company won't delete it off my credit report. At the time i had just got laid off from my job and i truly wanted to keep up with the payments so that's why i had to closed the account. All i would like is for them to delete and remove the negative remarks off all of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My PayPal account got hacked and my bank had to close out my account. However PayPal continued to charge my account and even took money out of another PayPal that I had to create that was not linked to my bank account. They are also stating I still owe them a balance even though the police and my bank had stated that I was in fact not at fault. I would really like to get PayPal to refund the money to me that they stole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I send a letter Certified mail to Department of Education/Nelnet and received mail on XX/XX/XXXX. Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. Department of Education/Nelnet have not accept my request. I asking does Department of Education/Nelnet have the original copy of the promise note that claim I sign?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX  bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!

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 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
on XX/XX/2018 the vehicle was totaled. chase was made aware the very next day. chase not only applied late fees to the account while waiting for the insurance payoff check, they waited almost a month before depositing it. chase also claimed they would get the gap insurance started ( XX/XX/XXXX ) when i called the gap insurance in XX/XX/XXXX, they had not even reported the vehicle was totaled. gap insurance was swift in its payoff amount and chase again held the check for almost 3 weeks and started applying late fees. when i confronted chase about it, they reversed all the late fees. after chase finally deposited the gap check, they reversed their reversal of all the late fees and started adding random fees titled " late '' making my last payment of XXXX go to almost 300 . chase also said they would not put anything negative on my credit report and again they lied and put that my final payment was after the 30 day mark even though it was paid, recorded with my lawyer present at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I pulled my annual credit report to find out that there was a collections on my report from a company called Capital Accounts LLC. I have no idea who this company is and I was not notified of the debt or the option to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have information from equifax that my financial details where given to third party in a data breach. I have a account on my files that's not mine. This also changed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is trying to collect {$840.00} and {$730.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
On XX/XX/2018, I received a debt collection notice from XXXX XXXX, ( XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, MO, XXXX ), on behalf of XXXX XXXX XXXX XXXX XXXX. Within 30 days, I sent them a certified letter stating that I dispute the alleged debt and requested that 1 ) they communicate with Novant in order to verify that this situation had been resolved. 2 ) to stop communicating with me in any way until they had contacted their client and verified that my dispute was legitimate. In the meantime, they have violated federal law by sending me another letter, ( dated XXXX-XXXX-2018 ), requesting that I contact them, stating that they " need additional information from me '' and wish to " discuss the account ''. It seems to me that they need to communicate with their client and verify their information and that they do not need to communicate with me until doing so. I am filing a complaint because I believe that XXXX has violated the Fair Credit Reporting Act by communicating with me before it has even verified the alleged debt they say I owe.

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc
State: IA

Complaint narrative:
I would like to add new documentation to my complaint against XXXX XXXX. The reason why i filed the complaint is the tactics they used to get more time to serve me. They knew i was out of town and have known it for awhile. I had a a case i lost which was the first part of all this. I couldn't make it back cause i was out of town working so i filed for a continuance. It was granted but when the time came i was still out of town and the my motion was denied. I called XXXX XXXX and XXXX to ask for more time and they wouldn't. I have called there repeatedly about this new one. I have told them several times i was out of town. I had even scheduled a time to pick the notice up there at there office. In the first case it was an over payment and they held a check for me until i came in town to pick it up. So when they filed the notice to serve by pulication stating i was hiding is a lie. Its what they had to say to get the court to give them time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation