vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a zombie debt letter from XX/XX/XXXX that had been paid in XX/XX/XXXX from XXXX XXXX XXXX XXXX that i owed a debt to them in the amount of {$590.00} from XX/XX/XXXX for court costs. The original court had been paid and i do NOT owe this debt and will not pay these people that i do not owe! This letter is threatening me if i do not pay them that i will get a warrant and lose my license. I wish to proceed to legal advice after i write this letter as i will no tolerate threatening letters from a debt collector that i do not owe and old zombie debt from 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: DE

Complaint narrative:
The collection agency ( AARGON ) is trying to collect an old debt from XX/XX/XXXX they haven't mailed me any information bout this debt which the STATUE OF LIMITATIONS on the account has expire in the state of Delaware, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in PA in years because of a Domestic situation and had to relocate the original agency knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off

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 2018-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. 

As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. 
Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL TIREY AND ST JOHN, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX, the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and XXXX was sufficient proof of the re-aging and XXXX AND XXXX   HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, XXXX AND KIMBALL TIREY ST JOHN, for their consistent violations of the FCRA.Kimball Tirey admitted to verifying this account at least 40 times in the above named CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
COMMONWEALTH FINANCIAL XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Creditor above is reporting erroneous defamation on my XXXX for some medical bill that is NOT mine! I wish to file a complaint against this debt collector If this debt is mine, send me a HIPPA signed document which they should not have since i never went to this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: DE

Complaint narrative:
The collection agency ( Penn Credit Corporation ) is trying to collect an old debt from XXXX The account was closed in XX/XX/XXXX. They haven't mailed me any information bout this debt which the " STATUE OF LIMITATIONS '' on the account has " expire '' in the state of XXXX, they also have on my credit report that the account was active until XX/XX/XXXX and Closed in XX/XX/XXXX I haven't live in XXXX in years because of a Domestic situation and had to relocate the original agency ( XXXX ) knows this is an old debt and didn't send me any documents regarding an options of this matter and I want it taking off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.

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 2018-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted a " dispute request '' on XX/XX/2018 concerning XXXX XXXX XXXX, XXXX. 
Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
XXXX XXXX XXXX remains on 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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018 deposit {$420.00} to my checking account, I printed the receipt with a balance of {$720.00}, next day I checked my bank application and for my surprised it showed four NSF, each one of {$29.00}. I called the bank and after almost hour on the phone the took one of the NSF charges, I called back after work and I spend two hours again on the phone, talked to a supervisor who also took two more of those NSF charges. That leave me only with one. I was asking the bank to paid the NSF charges and send a apology letter to my creditors on my behalf, but they didn't agree. I got proof of my balance before and after the deposit, also have shot screens from the bank app showing my balance. The person that I talked stated USAA is a we bank and they deposits after XXXXXXXX XXXX   are posted the next day, but he couldn't told me where in my contract this was, and like I told him isn't in the ATM for the customers to know. I'm asking for the refund of the NSF charges, and the NSF charge of {$29.00} refunded to my account, and the apology letter to my creditors. I have proof all the deposit, balance, the bank app who the person that I talked told me isnt correct ( surprise ), if that hey case, why bother. I always check my transaction on the bank app. 
Im asking for your help to resolve this issue Thansk XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I saw fraudulent charges on my Citi credit card statement and immediately called Citi to tell them about the fraudulent charges. There were two charges that were made on my account to XXXX on two consecutive days. The first charge was made on XX/XX/2018 for the amount of XXXX. The second charge, was made on XX/XX/2018 in the amount of {$110.00}. I have NEVER ordered anything from XXXX and when i called Citi i was transferred to a customer service department in XXXX and no one could understand what I was trying to tell them. I had to make them cancel my card because I told them someone had made fraudulent charges on my card. 

I got a letter from Citi saying they would investigate. They investigated and said the charges from XXXX was valid because the merchant said they were delivered in XXXX Florida!!!! I do not live in XXXX Florida and the merchant said the items were received by someone named XXXX XXXXXXXX!!! Last i checked i do not know anyone by that name! nor do I know anyone in XXXX! So, Citi card is trying to make me pay for the charges that I did not authorize, and I am highly upset because I shouldn't have to pay for fraudulent charges! I have been a Citi customer for 23 years and I have never had a problem like this before. I know what I charge to my card! If i had made those charges I would not have called and reported it as FRAUD! Please help!!!

Citi did not do a very good investigation. There were a lot of red flags that all point to fraud, and they have sided with the merchant because the good were delivered. So what if they were delivered! They are fraudulent! There was also an email on the merchant statement from the person who stole my credit card number and it says : XXXX This is not my email address! and with an email with that name, seems like something only criminal would create! 

So someone stole my number, ordered from XXXX, had the items shipped to XXXX Florida and signed for it by the name of XXXX XXXX! Also, they ordered a pair of tennis shoes and SEVEN pairs of some slides! i should not have to pay for these charges!

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that CashCall is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. CashCall indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called CashCall and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXXXXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. CashCall continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND EQUIFAX CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to Equifax and XXXX was sufficient proof of the re-aging and XXXX AND EQUIFAX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON EXPERIAN AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and Experian was sufficient proof of the re-aging and EXPERIAN AND XXXXXX/XX/XXXX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM EXPERIAN, XXXX  AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX  XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my 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 2018-08-15 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.

Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
Phoenix Financial Service remains on 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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX and I was offered a XXXX XXXX that was a scam. I immediatey made a police report to my local police department so they could follow up and investigate on the case. I assumed this case my fraudulent before it occurred and made a report to Bank of America in case fraudulent activity occurs. I have evidence of everything and presented it to them. However, I still got held responsible for the {$5000.00} taken out of my Bank of America checking account.

I then proceeded to closed that account with BOA because they did not protect me and I did not want to do business with a company who does not protect me or the money in my bank accounts.

Due to this, they have now taken this issue to the debt collectors saying it is " account abuse '' on my end. After the fraud occurred and they didn't want to help me, I switched my banking to XXXX right after and went to XXXX City Hall of Justice where I was advised that I would need to sue Bank of America. A XXXXXXXX XXXX representative also stated because I had a police report they for sure should I tried to help retrieve that money back. 

Now I am in pursuit of getting this fraudulent debt off and taking legal action against Bank of America. 

I also have more documents related to this case I can fax to you if necessary.

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.

Company response to consumer: Closed with non-monetary relief