vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This complaint is in reference to Commonwealth Financial.
<P/>
I have previously subumitted a complaint to CFPB about this company a month ago. It should be documented.
<P/>
I have received notice from CFPB that Commonwealth Financial has responded to the complaint by stating that they would remove all accounts on all 3 bureaus. This has not happened.
<P/>
I am requesting that Commonwealth Financial remove all collections from all 3 bureaus immediately. <P/>I do not have a signed contract with this company nor have they sent me anything that I have signed with them even after they responded to my previous complaing with CFPB. And having them report on my credit reports is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to a Chase bank to withdraw money from my account with another bank. I tried term ID XXXX and it did not give me the {$200.00} that I had requested. It printed receipt that says to contact Chase Bank. I went to Term ID XXXX and was able to withdraw the {$200.00}. Chase Bank never returned the {$200.00}, and withdrew {$400.00} from my account. I called my bank to dispute the charge. I also contacted Chase as  the receipt said to do, and I was told since I am not a Chase customer there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these companies

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 2017-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I checked my credit report to find convergent outsourcing having a collections account on 2 of my bureau reports ( XXXX and XXXX ) for XXXX. I sent a certified letter ( attached below ) on XX/XX/XXXX asking them to provide me with information such as a signed contract bearing my signature that showed I owed this debt of {$120.00} which appears on my credit report. The letter was signed for on XX/XX/XXXX and eventually was marked as disputed on the credit reports within the 31 days. However ; I have not heard one thing from the company or received anything showing proof that this debt is mine. I sent another certified letter on XX/XX/XXXX (  attached below ) as a good will faith to clear up this matter and still til this day on XX/XX/XXXX have not heard one thing from this company or received anything that shows I owe this debt being reported on two of my credit bureau reports ( XXXX and XXXX ) This is incomplete and inaccurate information being reported by them and is damaging to my credit.

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 2017-07-03 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: NY

Complaint narrative:
Re : XXXX XXXX XXXX, Account number XXXX To Whom It May Concern : I would like to dispute the validity of XXXX XXXX XXXX XXXX Account number XXXX. I continue to dispute the validity of this account. This is my Third dispute for this account located in this correspondence are Copies of the certified letters and the proof of delivery of the Dispute. I request that Equifax please delete this account from my credit report. <P/>Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX. With a balance of XXXX I also request a copy of the application to open this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: NY

Complaint narrative:
I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I leased a XXXX XXXX XXXX/XXXX/XXXX. GM Financial.. IN the beginning of XXXX I had to call to get my account number to login online because I never received a statement. I went in to the online account around XXXX saw XXXX Balance due, and waited, till XXXX XXXX to recheck and saw I owed a payment and late fee, because I missed the due date- which was not written on the Online statement when the due date was. I paid the past due, XXXX and late fee, and set up automatic payment. The end of XXXX received an email that I missed a payment, and was charged a fee. The automatic debit started XXXX XXXX, so I missed XXXX payment. They purposefully skin a cycle to XXXX the consumer and charge late fee, when In XXXX I set up a payment, that should have covered XXXX and beyond. <P/>2 -they sent a late payment ding to my credit monitoring company, because I missed XXXX. They say they called me, But they do not identify themselves on the voicemail as to who is calling, so I did n't call back, would you call back an unidentified number XXXX. They refuse to remove the ding even though they admit the online site was not accurate in XXXX because the bill had n't come due yet, but why would they not post my future due date due in the same month.? I want my late fees returned and credit monitoring cleaned up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This comaplaint is for Citi for the VISA Best Buy credit card. My credit card was used without my consent on XXXX XXXX 2017. There were two charges made. One charge was was at XXXX XXXX XXXX  for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XX/XX/XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that Citi closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that Citi needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one Best Buy account showing a balance of {$940.00} and another one of {$47.00}.

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 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my 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 non-monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
I am trying to complete a refinance on my home mortgage, changing it from an FHA to a conventional loan. I ordered a payoff on XX/XX/XXXX good through XX/XX/XXXX since this is an FHA loan I have to pay interest good through the XXXX of the Month. When I notified I was not going to be able to close on my refi by XX/XX/XXXX, I called on XX/XX/XXXX and requested a payoff good through XX/XX/2017 knowing I would have to pay a full month interest to close out my current FHA loan. <P/>I have called 3 more times as of X/X/2017 and still have not received an updated payoff. My rate lock is now expiring and American Financial Resources does n't seem to know how to process an updated FHA payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NY

Complaint narrative:
To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. I dispute the validity of this account and request it be removed from my report Enclosed is a copy of drivers license, I continue to dispute the validity of this account. I request that the accounts be deleted from my credit report. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,

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 2017-07-03 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: NY

Complaint narrative:
To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. I dispute the validity of this account and request it be removed from my report Enclosed is a copy of drivers license, I continue to dispute the validity of this account. I request that the accounts be deleted from my credit report. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

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 2017-07-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Re : Chase account XXXX To Whom It May Concern : I would like to dispute the validity of chase account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
I thought I had an active checking account with BBVA Compass Bank. On XXXX XXXX,2017 I cashed a check for someone Ive known 30 years. However, the check was no good.On XX/XX/XXXX, I recieved a letter from the bank telling me my account had been blocked anmd I had 10 days to bring it out of the negative and to contact my local branch. I called the 800 number and told them the closest branch was over 120 miles away in Arizona and I could n't put the money in until my social security was deposited on XX/XX/XXXX. they said fine. On XX/XX/XXXX, I recieved a letter saying in adition to the {$12.00} charge I was being charged {$25.00} more for my account being in the negative10 days and I needed to bring the account in the positive to retain my account. On XX/XX/XXXX, my social security deposited arrived at the bank. I called them they said they closed my account on XX/XX/XXXX that they were going to deduct their fees then i could go to the local branch in 10 days to get the rest of my money i explained how far the branch was and they said they would keep it opened they told me to call them back Monday XX/XX/XXXX, on XX/XX/XXXX, i got 2 lettetrs from the bank saying their was a additional {$25.00} fee for the account beoing in the negative for 20 days and TO CALL THEM AND MAKE ARRANGEMENTS OR THEY WAS GOING TO CLOSE THE ACCOUNT. I called them Monday and asked why they would send me letters like that when they already closed the account. They said it wasnt their department and I had to wait 10 bussiness days for them to send my direct deposit from one side of the bank to the chargeoff before they would refund the remainder of my money. i asked what happened about going in the branch and getting it. They hung up on me when I called back asking how they could take money on a closed account lie to me telling me they would keep it open and then send me letters saying it waS OPEN WHEN THEY KNEW THEY HAD CLOSED OIT THEY TOLD ME THEY WOULD MAIL ME THE REMAINDER AFTER THEIR FEES WHEN THEY GOT AROUND TO IT I SAID THEY HAD CHARGED ME TOO MANY FEES BUT I COULDNT POINT THEM OUT BECAUSE I COULODNT SEE MY ACCOUNT THEY SAID I HAD TOP TAKE THEIR WORD ON IT AND THEY HUNG UP ON ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am a consumer! I am a working consumer! My husband and I were desperate to obtain a loan for a car in XX/XX/XXXX... we really needed a car. XXXX XXXX XXXX had all the paperwork ready when we arrived at the dealership and failed to tell us that we were signing for a daily simple interest loan. Santander has picked up the loan and I 've explained to them several times that this loan is a UDAAP issue. It 's unfair, deceptive, and abusive to us. We have paid 43 payments on this loan of {$390.00}. Do n't need XXXX to figure out the total we have already paid for a XX/XX/XXXX that now has 92K miles on it. {$17000.00}!!!!!!!!!!! This is the total of the payments we have made since the beginning of the loan and when we signed the documents, we owed $ XXXX. The car was 4 years old when we purchased it! My husband hurt his XXXX and was off work for over a year and a half. I 'm a wife and mother of XXXX children ... .with REAL life issues. These people ( Santander included ) have ROBBED us. They are telling us we still owe $ XXXX on this vehicle! I 'm disgusted ... .I ca n't hardly sleep at night ... .this type of behavior ought to be OUTLAWED and FORBIDDEN! Santander has been paid over the VALUE of the car ... ... OVER the amount financed ... ..OVER-OVER-OVER!!!!! I 'm ready to take this to the media. We work hard and we are being punished for life circumstances ... .getting a little behind on payments ... .the company has taken advantage of the weaknesses of the PEOPLE!!!!!!!! PLEASE HELP!!!!!! I wo n't let this sleep ... .I will write daily ... .just like the interest they are charging me between payments ... until someone listens!!!

Company response to consumer: Closed with explanation