vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 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: Systematic National Collection, Inc.
State: CA

Complaint narrative:
the refer the debt to another agency and close case, the information results in a increase of debt and worsening deformation on my credit report of the amount reporting owed. The original debt reported had no interest and should report the correct and true debt owed not a made up number when the consumer debt is sold or referred to another creditor agency. A Scanned copy of a individual ( initials XXXX. ) named on a cashiers check and provided a police report # XXXX case # XXXX XXXX XXXX XXXX Police Dept ( copy attached ) and Informed the Original creditor that the debt was done by not intention but I ( Claimant S.E ) was a VICTIM of fraud the named individual ( Initials XXXX. ) was never prosecuted for the issuance of the cashier check # XXXX. I attempted to seek restitution and trying to arrange a payment to the original creditor or collection agency. the Creditor continued to harass me when I attempted to validate the ACCURACY OF AMOUNT of debt owed they the agency retaliated ( in numerous deformation attempts ) by increasing the amount of original debt by adding over 120 % Interest to a none-interest account, deformation of my good credit rating and continued to report though multiply creditor on my credit report two different amount owned that are not the true amount what was reported on my credit bureau. 
Systematic National Co XXXX Account # XXXX and XXXX XXXX XXXX XXXX reporting {$2300.00} Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Dear Sir or Madam, On or about XX/XX/XXXX, I spoke with an M & T Bank representatives about unknown charges that were being added to my mortgage payments. These other charges are shown on the M & T Bank mortgage statements in section explanation of amount due. I notice that these unknown " other '' charges were being included in my mortgage payments from XX/XX/XXXX- year to date. 

The M & T Bank representative mentioned that the extra charges could be a result of attorney fees being added to my mortgage payments from XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ). 

If these statements are true for any reasons, it is unlawful for a loan servicer to add attorney fees to a homebuyer mortgage payment. Furthermore, My loan was transferred from ( " XXXX  '' ) to M & T Bank in the year XX/XX/XXXX. ( " XXXX '' ) became the first loan servicer of my loan on XX/XX/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 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
The week of XX/XX/XXXX I have been in contact with this collection agency who I believe is a law firm but they did not clearly identify themselves ; they are XXXX XXXX XXXX (? ) I believe and they are trying to collect on a debt they say I havent paid on since XX/XX/XXXX. The debt is a credit card called " XXXX '' which is provided by Continental Finance. 

When they first contacted me they left a voicemail saying there was a litigation pending against me and I needed to call them right away- I called them on XX/XX/XXXX I believe to find out what the debt was and then they explained it was for the XXXX  card and if I did not pay up right away that they would go ahead with the litigation and garnish my wages ; I have not received anything in the mail about any proposed litigation or court date, nor have I received anything in the mail to show what my current debt amount is. The first time I spoke with them they asked for {$100.00} right then and there and as I said this was not my pay week they didn't care as they then said I could pay {$500.00} on Friday of this week ; when I spoke to them today XX/XX/XXXX, I reinforced the fact that I did not have the money to pay but I could possibly give them {$500.00} by Friday if they can email me a statement of the details of my debt ; they said they were unable to do that and they were not going to do that because it's an old debt so it doesn't matter anyway. 

The collection agency representatives were very rude and harassing and accusatory ; they have called my job multiple times which I would like them to stop doing and they have not started with any garnishment which has been confirmed by my payroll department, but they continue to threaten that. 

Their contact # is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. 

I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. 

So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. 

Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: Midwest Recovery Systems
State: IN

Complaint narrative:
I have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been trying to get my Private Mortgage Insurance Removed from my mortgage since XX/XX/XXXX when my mortgage dropped below 80 % loan to value. Last year my mortgage was sold from XXXX XXXX  ( Under mortgage # XXXX ) to Ditech Mortgage ( account # XXXX ). I reached out to Ditech via a email ( after being told to do so via phone representative ) request to remove my PMI on mortgage on XX/XX/XXXX and received no response at all from them, I even checked my junk box and nothing was there. My mortgage papers that I signed state an " Automatic Termination of PMI '' that states once my loan is below 78 % loan to value PMI will automatically terminate ( I have attached this document ). I reached out again today on XX/XX/XXXX to make this request via phone and was told initially to send the request that I already sent it too. I asked to speak with a supervisor and after being put on hold for about 30 minutes, I finally spoke to one. They told me that my loan to value must be under 70 % loan to value and that was their policy. After reading this document to the supervisor, I was told that " they don't have that document on file ''. She ( XXXX XXXX ) sent me a link to send her the form I have. I did so and just told me that I'll be hearing from them in 7-10 business days. Given their past history, I highly doubt that I will hear from them. I did mention to the supervisor and ask her why they weren't staying compliant to the homeowners protection act and she said nothing. From my understand this act requires mortgage companies to drop off PMI once loans are below 78 % LTV and the loan is current. I qualify for both of those items and don't understand why this is such a difficult task.

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 2019-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I spoke with the company who had this debt before, XXXX   and asked them what this debt for back in XX/XX/XXXX. The customer service agent told me the debt was for an account I had signed up for back in XX/XX/XXXX. The customer service agent stated the account was started inside an office and then I informed them the company who says I have the debt was not in the state in which I lived. And there would be no reason for me for me to go to another state to get an account. The customer service agent informed me to write a letter stating I was not aware of the debt and it did not belong to me. Before I could get the letter in, they had switch the debt collection company and I've haven't had the chance to speak with the new company XXXX  XXXX/Resurgent. No agency has yet to verified that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I was called by a chase bank representative on XX/XX/2019 at XXXX. This representative had given me a call to notify me of some fraudulent charges that were trying to be made, with that, they wanted to verify my account information so that they can close the account and issue a new debit card. So with that information being given from the representative, I assumed this would be safe also with the number not showing up as scam. So we proceed and I give the person my information needed to access the account, they said a verification text will be coming to me and to repeat the verification code, sure enough I got the code and gave to them, things still sound good. Then after about 30min being on the phone, they gave me two confirmation numbers to use to reference this call and that my account is closed and card will no longer be active and will be sent another card within 10 business days. All fine and dandy, til I never heard back from chase after the 10 days, I actually called within 5 days to  check in. Sure enough the chase representative says there was no call regarding this activity and that my account was still active and card was still active. Right away I knew this was a fraudulent/scam call and they got into my account and transferred {$1200.00} using quickpay to XXXX. I never signed up for quickpay nor did any transactions ever with XXXX. So Chase 's claim department denied the claim and I'm at loss of {$1200.00} to someone I have no idea who it is. Chase 's claim department says since my account was compromised and that I gave them my info, they can't do anything about it. This is total bs, I surely wish I knew, but when the scammer calls acting like a chase representative, knowing exactly what questions to ask and verifying them, why wouldn't I give them my info. If this is the case with all calls, then everyone would be a victim. In which I researched and sure enough this has been an ongoing fraud or scam going around, and chase chooses not to do anything about it. So i'm looking for help, my account is in the negative now because of this, many insufficient charge fees, etc. I've changed all pw, used virus scans, etc. and finally got back access to my online account and need this fraudulent transfer resolved. I'm now suffering because of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I just got a letter from Radius Global Solutions LLC. They are stating that I owe an amount of {$760.00} from a XXXX XXXX XXXX. The truth is I never had credit from XXXX XXXX. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I contacted Medical Data Systems today as there was a negative report that posted on my credit report on XX/XX/2018. It was found during my mortgage application process. The mortgage company gave me the contact information for the company and advised me what to ask for. I spoke to an initial agent who was very rude. She confirmed that the phone number that they were calling was my old home number which we do not use anymore. I advised her of that information. She then gave me my husbands cell phone number which I advised was a cell phone and that they didnt have permission to call. Before I could tell her that he had not received any calls, she stated " you received care in the emergency room so you need to pay your debt. '' I asked her the amount and was given {$64.00} and {$150.00}. I told her I would be happy to pay it as long as I got a letter stating what hospital it was, the amount, that it was paid in full and that they would remove it from my credit report. She then told me they don't do that and that I cant pay to clean up my credit.I advised her at that time she didnt have to be rude and that I wanted a supervisor or manager. She then told me that her supervisor would tell me the same thing. I said thats fine and I would be happy to pay, but I needed that letter. She then transferred me to a lady who identified herself as XXXX. She was aggressive from the time she got on the line. She repeated the same thing the other agent did. I then stated that since they would not help me obtain a letter on the debt and remove it from my credit report I would call XXXX Hospital directly. XXXX then told me that they were employees of XXXX Hospital and that they do not outsource their collections department. I knew that was false as I lived in GA and the company was in Florida. I let her know that I would be calling the hospital directly and ended the call. I called XXXX Hospital and spoke to a lady named XXXX. I explained to her what had happened and what I needed. She advised me that XXXX and the other lady I had spoken to were not employees of XXXX and that she would notify her manager of their rude behavior and false statement. XXXX provided me with a receipt and said I would also receive a detailed statement that the balance was {$0.00}. She also stated that they would contact the company to let them know to remove my information from their files and that the accounts were paid in full and that they should remove it from my credit reports. XXXX also advised me to dispute the item with the credit bureaus as well. This company should not be making false statements as to who they are and what company they work for.

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 2019-01-17 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX I requested my federally authorized free annual credit report. I provided the required information online and was granted access, except to Experian. Experiean demanded that I send personal information through the very unsafe USPS, which I did. After being given all the requested information, Experian has now contacted me AGAIN, demanding the SAME information that was already sent. They have received a copy of my license, address, social security card, NONE of which I am required to mail in under federal law. They still refuse to furnish my my report. 

During this entire process they continue to offer me paid access to my credit file, which is illegal. They are required to provide my report by law and refuse to do so. I have already given the required information, and then again mailed in more information I was not required to give. This is illegal. I have filed complaints with the FTC, MY State Senator, The TX state attorney General, and Texas State Senators. 

I have already provided what is required and they continue to attempt to extort me for a paid credit file.

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 2019-01-17 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: FL

Complaint narrative:
My credit reports at XXXX, Equifax and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

Company response to consumer: Closed with explanation