vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I have requested proof of the original obligation and documents as well as the below I am requesting that Louisiana recovery services at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX you provide verification of this debt. 

your account nmber ending in XXXX XXXX each in the amount of {$130.00} and beginning with XXXX for XXXX dollars I requested that they Send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 

I need more details about what you claim I owe so that I can make an informed decision. 

Moreover this debt under Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019 and thus a violation of state and federal law. The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act ( FDCPA ) the main federal law that governs debt collection practices see 15 U.S.C. 1692. 

I dispute the information contained in my equifax credit report and Transunion credit report also and request they supply me above requested information Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019, I made a payment to Capital One Bank for a credit card which I have had in my name for more than 3 years.  Shortly after making the payment in the amount of $XXXX, the credit card was restricted from use.  I was instructed to phone a telephone number owned by Capital One Bank and was told the card account was restricted due to fraud.  I was asked to send in identity documents, resident documents, and a copy of my ssn.  I sent all this information to Capital One Bank and waited for a response.  I received a letter in the mail from Capital One telling me that they had placed a hold on my account due to fraud and again to phone them at the telephone number on the letter.  I made the call to Capital One on Saturday, XX/XX/2019.  I was told that they received my documents however, they wanted my bank statements including my personal bank account number, another copy of my id document front and back blown up 225% and a utility bill with my address upon it.  Until then they would not unrestrict my credit card.  I then asked if they would close my account since I had provided them enough personal information and they have recently suffered a data breach.  They have not closed the account nor have they responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had a mortgage loan with Wells Fargo. I just completed bankruptcy and it was discharged with no payments due in the spring of XX/XX/XXXX. Wells Fargo reported me delinquent by 120 days. They then sold this mortgage to XXXX XXXX who corrected their erroneous reporting, but Wells Fargo's erroneous reporting is still on my credit reports. This mortgage originated in XX/XX/XXXX and was modified by XXXX in XX/XX/XXXX. No payments were delinquent or late from XX/XX/XXXX to date.I have a second mortgage with Wells Fargo that originated with XXXX XXXX in XX/XX/XXXX. After the bankruptcy was discharged, Wells Fargo deleted that mortgage from my credit reports with the credit reporting bureaus. All payments for the mortgage were made on time during the 5 years of the bankruptcy and the year before when the bankruptcy had not yet been finalized (since XX/XX/XXXX).I sent a request to Wells Fargo three weeks ago to fix the situation. They then requested me to send them the same information I had already sent via the secure website. They then went on to add in their response that they had forwarded the information to the relevant department. The situation has not been resolved. Delaying a response is unacceptable.The reason we were in bankruptcy was that Wells Fargo denied a mortgage modification and then used their delay tactics to run up additional fees, interest, late payments, and attorney's fees.

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 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
ON XX/XX/2019 an associate from portfolio recovery called me about a debt that is over the statute of limitations in Texas. The associate told me that due to the age of the debt that they could not sue me but they continue to call harassing me after I told them to stop.ON XX/XX/2019 - someone from portfolio recovery called again and repeated the same information as the day before On XX/XX/2019- an associated called again and I ignored the callON XX/XX/2019 an associate called again once again I did not answerON XX/XX/2019 another called that I declinedON XX/XX/2019 another call that I declined Portfolio Recovery has been harassing me for about two consecutive months and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Acceptance Corporation
State: CO

Complaint narrative:
The billing company for XXXX XXXX XXXX known as AAC has refused to close a membership account despite being given both a written 30 day notice and a verbal notice. I called to first give verbal notice that my account needed to be cancelled as I have been put on bed rest due to pre term labor. I was then informed a verbal notice was not enough and told to respond to an email to give "written" notice. I did as requested and was under the impression my account had been terminated . Now through a number of harassing emails I am being told I am to pay an additional $XXXX  fee for services that I have not received after the discontinuation date of my membership. I have informed them I will not pay for services not rendered and they have continued to threaten me through email with additional fees for non payment on a CANCELLED memberhsip.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one wont remove after settling and paying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My Dad got a VA loan XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX in XXXX, NM XXXX. My Dad died and my Mom died. My Mom did a Transfer on Death Deed leaving me the house. I live in the home and have paid the mortgage and all bills related to my parents death. I went to make a payment over the phone and they wouldn't accept the payment. They told me the house was in foreclosure. I contacted the VA today and will send a copy of the deed to them. The servicer has hired an attorney and referred the case to court (NM is judicial foreclosure). I have asked the attorney for a forbearance plan, or a repayment plan. Because my name is on the loan, the servicer has not given me any attempts at loss mitigation. Nor have they given me a  notice of acceleration on the loan. My parents have been deceased for some time now and I have repeatedly sent in all the necessary documents. I have income and the ability to make the payments. I would appreciate your assistance in resolving this issue.Thank you,XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2017 at XXXX XXXX I called Suntrust mortgage because I was impacted by Hurricane Irma.  We were declared by FEMA to be a disaster zone.  My insurance company would not pay because my damage was only around $XXXX   total and the deductible was raised due tot he hurricane to 5% of total value of my home so it was around $XXXX.  What that meant was all the recovery was out of pocket.At that time I was 1 to 2 payments behind and paying every month still trying to recover from Hurricane Matthew which hit us one year before.The representative from Suntrust said I will be put on a 6 months no pay forbearance and at the end of the loans they will automatically add the payments to the end of the loan and since I was 2 behind already my forbearance period would only be 4 months.I took the assistance because I needed it.  At the end of the time period when Suntrust reviewed me to finalize the disaster modification they claimed because I was 2 payment behind already they were not going to assist me.I have been disputing this ever since because I would not have accepted the assistance had the representative given me correct information.   But because I believed the misinformation from Suntrust I am facing losing my home. I have escalated this with Suntrust but they are not helping and will not honor what their own representatives committed to.I was forced to submit a borrowers assistance package and without notice Suntrust changed their guidelines so now they will not review meMy wife and I are XXXX  US XXXX veterans and my wife is XXXX  XXXX  from XXXX connected XXXX  but Suntrust does not recognize that

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 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I paid off my auto loan with Capital One in XX/XX/XXXX.  I have not received title.  I have called 7 times and each time they tell me they don't show a lien.  However, I checked with the DMV and this is not true.  I need a title for my car to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: KS

Complaint narrative:
no recollection of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt has been paid to XXXX balance and after 60 days the account is still open with all 3 credit bureaus. The company is reporting false information regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: IL

Complaint narrative:
Viewed credit file through Transunion in reference to XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXX, I noticed a collection for XXXX  for an old XXXX account.  I immediately contacted XXXX and was told the account was with a collections agency called GC Services. I contacted GC Services and paid the full amount  of $XXXX which is what GC Services stated I owed. After the payment I was advised that the account was paid in full and that I would receive a paid in full letter.On XX/XX/XXXX, I received a letter from XXXX  datedXX/XX/XXXX  stating I owed more money. Another $XXXX. I contacted XXXX  and advised that the I paid GC Services in full. They claim GC Services did not have the authority to negotiate the payment and therefore I owe them money. XXXX  said I had to call GC SERVICES. So, I called GC Services and again they told me I am paid in full. XXXX is trying to extort money from me that I do not owe. They over billed me for two years and committed fraud by linking another account to the same phone number on my account. XX/XX/XXXX. Refused to end a lease because another phone was attached to a line on my account. I was unable to drop the line and was billed for a phone I never had.XX/XX/XXXXPartial credit given advised the other credit in XX/XX/XXXX. I disputed amount owed due to double billing. XX/XX/XXXX XXXX advised a credit of $XXXX  for overbilling to post onXX/XX/XXXX. Credit was never issued. XXXX  denied making the statement even though the call was recorded. XX/XX/XXXX, Requested to cancel services. XXXX  refused to cancel services and attempted to intimidate me into keeping their service. I had to contact my new carrier and port my numbers. XXXX still charged me after I no longer had their service saying incoming text messages counted although there where no out going calls made from two of the 3 lines and I requested to cancel services weeks prior to porting my lines over to XXXX. XX/XX/XXXX9, sent three phones back. Two were in excellent condition. Never received credit for returning phones (collection account).Sent ipad back. Purchased in XX/XX/XXXX. First XXXX agreed to take it back buyers remorse, then XXXX  said it never said made that statement. XXXX should be fined for deceptive practices, fraud, and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Our company signed up for a Citibank backed Home Depot Revolving Credit Card, and the card was provided to us to use.  We have discovered that Citibank is charging roughly a 10% minimum payment every month.   Most credit cards only charge 1-3% minimum payment due.   There was no disclosure of this minimum payment rate during the application process, there was no disclosure of this minimum payment rate in the mail once the card was activated.  The web site on both Citibank and Home Depot have NO DISCLOSURE of the minimum payment requirement due anywhere, not even in the credit card disclosure statement , or the current application process.   Now we are forced to pay a minimum payment which is very high and not provided prior to using and accepting the card.   Furthermore the actual credit card bill statement every month fails to adhere to the CARD ACT and does not list the account balance along with the way the minimum payment is calculated and does not include the amount of time it would take for the balance to be paid off as required by the CARD ACT 2009. Each credit card company has its own minimum payment policy however it must be disclosed.  The minimum-payment policies for Citibank for this card is simply not.  Upon contacting the bank they refuse to adjust the minimum payment rate to the industry standard and have threaten to make report any late payments to the credit agencies if these very high minimum payments which were never disclosed, are not paid.  This is fraud and I believe illegal practice.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX.  In XXXX  I have been a victim of identity theft and it took several months for me to get an identity theft report and fix it with credit card companies. It was 16 years ago and Chase bank closed my accounts because of that matter.  In XXXX I have applied for a credit card with Chase bank and they informed me that they will not approve me because they put my name in their black list and they don't want to do a business with me.  In XXXX I have opened my business checking account with Chase and I am getting rental incomes to that account every month.  Last month my banker advised me to apply for a business credit card account.  They requested for a call and a representative from Chase asked me so many questions for about 30 minutes and I got finally approved for a credit card with Chase bank.  I have started to use it and today I got a letter from them which says that they are closing my account for previous unsatisfactory relationship with Chase.  I have called they and their representative informed me that he can not do anything and I am on their back list again.  I have excellent credit history since XXXX and I have a lots of money in the same bank checking account for several years.  They are not allow to put me in their black list because of that identity theft matter I had in a past.  Please help me to fix this otherwise I have a to file a lawsuit against Chase bank.Your help is really appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2019 I received a mail offer from American Express for the EveryDay Credit Card offering me $XXXX annual fee with $XXXX balance transfer fee and 0% intro APR on purchases and balance transfers. I was interested in the offer but there was no information for how much I was pre-approved for or whether the balance transfer was limited to a certain amount. I went to the amex website and entered the RSVP code they gave me along with my social security number to run a credit check. My credit check went through but the website then informed me that there is a limit to their balance transfers. At this time with the new terms offered to me by American Express, I rejected this offer and attempted to remove my information and exited the website. Their website shows an "application progress" bar at the top of the page and I was only at the first stage of this process. The final stage was the "submit application" stage and I intentionally exited the process before submitting my application or consent to their new offer.An hour or so later at XXXX I received an email telling me that I have opened a new account and they would send me a card in the mail. American Express opened this account without my consent using fraudulent and deceptive practices. This adversely affects my credit history by showing a new credit inquiry and a new account that I did not consent to opening. I called their customer service center and spoke with XXXX-employee number XXXX, and she is sending this to their fraud department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Capital Management Services, LP
State: TX

Complaint narrative:
I have spoken to Capital Management Services LP on 2 separate occasions (once in XXXX and once in XXXX) and also submitted a request online to have the balances corrected in their system. The representative I spoke to verified the correct balances with XXXX and only 3 of the 4 accounts have been corrected. The account ending #XXXX is still showing a balance $XXXX more than what was verified with XXXX. My concern is that once these accounts are paid, Capital Management Services will try to collect the overage which is not owed.

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I was denied an American Express Card.  Under the federal law Civil rights of 1866 section 1981 this is a federal law prohibiting discrimination on the basis of making and enforcing contracts.  American Express did not provide a suitable reason to deny me access to their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX emailed a bill after a phone representative said that the final bill was paid in full. This subsequent bill was thusly never paid. XXXX XXXX XXXX never attempted to contact me again. Instead they sent me to collections. The collections company - Diversified Consultants Inc. NEVER made an attempt to collect the debt ( {$55.00} ) on behalf of XXXX XXXX XXXX XXXX Instead they simply reported to all credit bureaus that it was delinquent without any attempt to collect the debt or giving me the chance to dispute the charges.

Company response to consumer: Closed with explanation