vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. 

I requested that Capital Accounts provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Capital Accounts have not complied to this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. 

Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 
2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 
3. XXXX has been negotiating with PNC Bank and has made some progress. 
4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I applied online for a Citibank XXXX XXXX card. At the end of the process, I was NOT given an opportunity to approve the XXXX XXXX. Thinking that final approval would be contingent on my acceptance of some credit limit, to be disclosed prior to my final approval, I hit the " next '' button and received notice that I had been approved ... .. for a {$4600.00} credit limit. 
That amount is far below what I require. 
Therefore, I do not want the card. 
I have spoken with numerous departments at Citibank to no avail. 
In my opinion, no one should be allowed to complete a card application until they have seen and specifically approved the credit limit associated with the approval.

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 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX, creditor, Education Loan is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. DEPARTMENT OF EDUCATION/NAVIENT XXXX XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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:
I have provided the proper information to have the XXXX 's Account removed from my credit report. But for some reason, XXXX and Equifax are not removing the creditor from my credit report. I aid the account in full to a XXXX balance and the letter state that and shows the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
1 ) I purchased a train ticket for XXXX 
2 ) My connecting transportation was delayed and consequently I missed the train.
3 ) I dispute the transaction with barclay, give details and wait.
4 ) After 2 months of waiting, I call Barclay and ask for an update on the dispute. 
They inform me the dispute is over and the the provisional credit is now permanent. 
5 ) 1 week later I receive a letter in the mail saying I lost the dispute and have to pay the XXXX 
6 ) I speak with Barclay twice and to a manager. They refuse to do anything for me.

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 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. 

I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. 

It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. 

This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. 

This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . 

Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. 

see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX obtained a loan by using XXXX XXXX XXXX XXXX. to secure it. Her account w/Nationstar Mrtg acct is set up so that it collects additional funds and it sends payment to the Tax Collector. Said property was placed in a Trust and that is when an error occurred in the classification by the Tax Collector that caused a higher tax amount to be due. Nationstar began to bill for the higher amount. I wrote Nationstar and provided proof of the error and acknowledgment by the Tax Collector that the error is being fixed and advised Nationstar that the mortgage payment, which includes the regular amount for the property taxes will continue to be paid but that we will not pay the extra tax amount and that we will deal directly with the Tax Collector. In addition, I requested information about the insurance that Nationstart is paying and asked if Nationstar placed the insurance on the account because I want a different insurance company and it never responded to that either. Nationstar ignored our letter and never responded it to. Mr. Copper Mortgage  bought out Nationstar and continue to bill the higher amount. Nationstar nor Mr. Copper have responded to the first letter wherein a request was made that they correct their records and stop threatening to start foreclosure. They did not. Mr. Copper sent a letter providing a point of contact but it did not address the letter. We faxed the letter along w/anew letter to Mr. Cooper. Again, it failed to address any of our concerns. But it did begin to harass us. It began to collect a debt that it did not have the right to collect. I also continues to send out delinquent statements. The latest communication from Mr. Cooper was a threat to start foreclose if the total amount " due '' was not paid by XX/XX/17. Since Mr. Cooper has not corrected the account and has set a due date to start foreclosure, we paid most of the money they demanded be paid. It is now in their account earning interest. We do not owe the amount to the Tax Collector. In fact, I received an email confirming that the error has been corrected. More than 4 written communications have been made to no avail. Why does Nationstar/Mr. Cooper think it can threaten to start or start foreclosure for unpaid taxes? ( That are n't even due! ) I believe they are doing to this to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Data Breach : Looked up information indicating at risk personal information due to Equifax data breach. Attempted to enroll in 1 year free Trusted ID service on XXXX/XXXX/XXXX after receiving email link. Repeated attempts to login to Equifax program online without success because " system unavailable ''. Called Equifax customer care phone at XXXX today, XXXX/XXXX/XXXX. They could not locate me in their system and it was suggested I try to use online system all over again. Also suggested I get a XXXX XXXX credit card as a way to temporarily put a freeze on financial exposure. 

Equifax created the problem and apologies are n't going to protect me credit. 

I am giving up and enrolling in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

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 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We just learned today of yet another credit reporting company XXXX  after our information was hacked through Equifax. We had put credit freezes on the other bureaus several years ago and upon learning of XXXX are trying to do the same. XXXX has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation!
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen.
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period?
We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People, will rise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX  to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: TX

Complaint narrative:
I have 4 private student loans serviced by American Education Services. 3 held by NCT and 1 that was with XXXX and apparently has been sold to XXXX but is still serviced by AES. After falling behind on my loans, they were sent to different collection agencies ( XXXX XXXX XXXX XXXX ). I recieved a debt collection letter from these agencies ( XX/XX/XXXX andXX/XX/XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then AES continued to try to collect the debts. I then sent them a letter onXX/XX/XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). OnXX/XX/XXXX I received a letter from AES regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 NCT loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
My Loans are over 20 years old, they were with XXXX XXXX XXXX that sold them to XXXX XXXX or Navient. They are at this highest level they have ever been. I am almost XXXX years old and have no way to pay these back?
Help After 20 Years?
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: NY

Complaint narrative:
my car was totaled on XXXX XXXX, 2015. My insurance company and the gap plan I purchased paid the loan off. The payment is being reported as late. However, the insurance company had submitted payment paying off the car. I have tried on several occasions to resolve this issue with 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 2017-10-05 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: FL

Complaint narrative:
I have sent 2 letters to Experian asking for the following accounts to be removed from my credit report. These companies : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( which I believe was removed and then placed back on my report ) have not validated that the debt is indeed mine. I have not received any correspondence from them with my signature or identifying me as the person whom created the debt. With all of these data breaches I must be extra careful. Also, I asked for the public records to be removed from my credit report. The courts have said they do not report to the credit bureaus and I was under the impression credit reporting companies as of XXXX 2017 are no longer able to report info from a 3rd party vendor and there had to be certain stipulations. Like having my name, social, DOB, and address. I would greatly appreciate any help you could provide in resolving this issue. 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 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They took my money from my account, showed it was posted and processed, then took it away two days later and charged me late fees when my payment was 2 days early. Fought with me for 8 hours and wo n't fix their mistake now I 'm out {$50.00} and on too of that I have to pay fees that should n't be there. Nothing but lying crooks and they need to be stopped.

Company response to consumer: Closed with explanation