vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Communicated via certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX XXXX  law office ) provide debt verification and validation proving an alleged debt belongs to me. Portfolio Recovery and XXXX XXXX XXXX  have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX f/k/a XXXX XXXXy ( Account # XXXX  ) belonged to me.

XXXX XXXX XXXX XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased.

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115.

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately.

OnXX/XX/XXXX received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: AL

Complaint narrative:
Disputing : Account : Frost Arnett On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with Frost Arnett who is reporting negative information to my credit profile. In my first dispute, XXXX  and Frost Arnett failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter. 

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX  and Frost Arnett 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies. 

On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ). 

I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB. 

Professionally, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: PA

Complaint narrative:
I was hit by another driver and my vehicle was deemed a total loss. This occured on XX/XX/18. XXXX has been ready to send a check to Chase for XXXX toward the loan but Chase has not reached out and is causing me to make higher interest payments on a loan that should not be this high. I have called them multiple times, as did XXXX to get this resolved but they have not cooperated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Good morning. 

I'm contacting you, in the hope that you'll assist me with my loan modification, with Bank of America. 

I began talking with them in on XX/XX/XXXX of last year. I fell behind on my payments, last year, as my mother was very sick and I had to care for her. I've submitted and resubmitted documents nearly a dozen times now - and, for the last two weeks, I've resubmitted the same information THREE times. My point of contact continues to tell me that this is what underwriting is requesting. 

It's clear that Bank of America is deliberately stalling this process. They're intentionally misguiding me. Misdirecting my efforts and straightforward lying to me. The single point of contact on my file - XXXX XXXX - has been of absolutely no assistance. I've also reached out to his manager, XXXX XXXX, and he barely gave us any more assistance then XXXX. 

XXXX This process should have been competed a month ago and t 's becoming an emotional and psychological burden to me. Boa had had all the documentation necessary to approve my modification and I have acted in good faith, fulfilling every request that they've made of me. I also have more than enough disposable income to support going back to making my payments and we need your help with this. 

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 non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )

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 2018-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'am repulsed by this repugnant credit agencies use of the word 'investigation ' they DONT INVESTIGATE a XXXX thing they email the debt collector to confirm if its a valid debt and 100 % of the time the debt collector will say YES. I don't even understand how its legal for anyone to BUY my social security number because that is how debt collectors work and why this fraudulent collection is on my account. Furthermore it makes ZERO sense that XXXX  would buy this debt in XXXX when I was homeless and ONLY!!!!!! to START collecting it in XXXX AFTER!!!!!! my credit information was hacked by XXXX. I WANT THIS fraudulent charge removed!!!!!!!! from my credit report that is the job of this repugnant companies employees to do. NOT just email a debt collector and take there word over mine just because they BOUGHT my social security number. This illegal activity needs to be fixed. Lastly I preemptively refuse the so called copy and paste reply they always have of. " we are investigating the matter '' as stated prior all you people do is email this junk debt collector and close out the so called investigation in 3 days that is NOT an investigation. Your job is a joke and you are a waste of oxygen. I have been dealing with your utter incompetence since XX/XX/XXXX and as you can see I will continue to do so. Your practices are faulty, shameless, repugnant, illegal, fraudulent and expurgated.

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 2018-03-31 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX  that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX   and I am not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Screening Reports Inc.
State: GA

Complaint narrative:
My identity was stolen and the person who stole my identity was using my identity to get apartments and also try to get a loan in my name I was aware of the situation once an apartment complex said I owed them money for an apartment Ive never stayed in! I own a house as of XX/XX/XXXX. I have no reason to try to get an apartment! Its listed in my XXXX XXXX and XXXX  also as me trying to get an apartmentXX/XX/XXXX! I would like for all these inquiries to please be remove since it wasnt me who made these inquiries! I will attach driver license and police reports.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My home mortgage was recently sold from XXXX to Mr. Cooper. In the past, the mortgage payment was always due on the first of the month with a 16 day grace period. I have always advance ( electronically ) payed my mortgage payment to be delivered on the XXXX of the month. With XXXX, I never received a late fee, as the payment was received during the grace period. As with all my electronic payments, the day my bank transfers the payment is the day the receiving institution credits my account. Except Mr. Cooper. Even though my bank transfers the payment on the XXXX, Mr. Cooper does not credit my account for 2 to 3 days later and subsequently assesses a late fee. To date, they have reversed the late fee each time, but my concern is that they are defrauding other customers by not crediting accounts the same day they receive payment. This appears to be a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE with the XXXX submission process as well as the FCRA

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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-03-31 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: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis Nexis is reporting an inaccurate public record. It is a Chapter XXXX Bankruptcy. Also, I have frozen and suppressed my Lexis Nexis Consumer Report, but Lexis Nexis continues to report information without my consent to XXXX, XXXX, and XXXX. My rights are being violated under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I filed for bankruptcy 10 years ago for hardship and the bankXXXX then went under. No knowledge They knew Iputbthe lian into my bankruptcy and Sold my acct when they folded. I keep calling Navient to tell them and I am being charged over6000 in fees BC they said it was from the take over, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.

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 2018-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
I have a VA mortgage loan with XXXX which is serviced through XXXX  XXXX. I have an automatic monthly payment set for the mortgage and anything more was to be paid to principal. Any time I try to pay additional principal Nationstar will take that amount and initiate a payment reversal, sometimes even taking additional monthly payments when not scheduled. It is so confusing and I am not sure how much money has gone to principal or interest? There have been as many as 10 transactions in one day, I do believe the bank keeps applying my money to the future interest instead of the existing principal but can not be sure. I have contacted the company on numerous occasions over the past few years trying to put a stop to this practice and to get them to right their wrongs but to no avail. The most recent contact was XX/XX/XXXX at XXXX with " XXXX '' and a few weeks prior with someone named " XXXX XXXX and still nothing?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
My identity was stolen and the person has use it to get services in my name for them! Most of the inquiries are for apartments. I purchased a home XX/XX/2017 all the inquiries are for an apartment or loans! I have police reports and my photo is to prove it wasnt me!

Company response to consumer: Closed with explanation