vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you provided is woefully deficient and fails to establish that this is a valid item.

First, you have not, by any credit means, demonstrated that I owe this alleged debt to your organization. You have failed to provide any document bearing my signature that would establish that I have indebtedness to your company. You have ask so failed to provide me with a complete statement of accounting as required by law to be considered full and complete.

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, not that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

To summarize, I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MO

Complaint narrative:
On XX/XX/XXXX I opened a dispute with XXXX over two payments with Mohela back in XX/XX/XXXX. The dispute was updated on XX/XX/XXXX and I had initially missed what they had reported because I looked at my open loans for results and they had updated one of the loans and it looked fine. On XX/XX/XXXX I applied for a mortgage, when my lender gave me my report I realized that Mohela had completely changed the information on my loan. My loan is active and in good standing but is showing as refinanced in XX/XX/XXXX with a delinquent payment history. My loan origination date has also been changed from XX/XX/XXXX to XX/XX/XXXX and the beginning balance is inaccurate. Later that day I called Mohela three separate times trying to straighten it out and they just keep telling me they never reported that information. I repeatedly told them that I was looking at a copy of my credit report from that day and the information had been reported by them and needed to be corrected because it is preventing me from buying a home, they claim it must be the credit bureaus fault.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This account was settled today for {$3500.00} and this matter needs to be closed at Citi bank and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.

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 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Upon ordering my Credit Report in XX/XX/XXXX, I noticed a Closed Chase Credit Card with a balance of {$3300.00} that I did not recognize. I immediately called Chase on XX/XX/XXXX and spoke with service rep XXXX XXXX. I asked her for more details on the account and advised her that this was a fraudulent account. I then asked her to please send me proof that this account belonged to me along with the original signed application in order for me to show that it was not me who opened this account. I further hoped that the application may provide clues to who may have. 

On XX/XX/XXXX I received a letter from Chase stating that they no longer had the requested information. I have attached that letter. On XX/XX/XXXX, I requested to open a fraud claim with XXXX XXXX. On XX/XX/XXXX, I made a follow up call and spoke with rep XXXX who told me that the previous rep did not open a claim as I requested. She told me she would do it at that time. 

To ensure that my claim was submitted, I also submitted a written request along with an identity theft report to Chase on XX/XX/XXXX. On XX/XX/XXXX I received a response from Chase only stating that they had verified this was my account but did not provide me with any signed documentation as proof that I opened this account. 

I attest that this is a fraudulent account and I would like it removed from my records immediately. 

Please note that a fraudulent account was attempted recently at XXXX XXXX XXXX which caused my initial inquiry into my credit report. XXXX  XXXX XXXX was able to immediately rectify the situation and a fraud alert was placed with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Fidelity Services, LLC
State: LA

Complaint narrative:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: TX

Complaint narrative:
Buy a business to participate and a type of presentation which ended up with my information been enrolled in a program for which I did not know that I was be held liable for any type of repayment this was totally a slam and I oppose the Debt from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My friend told me that Citibank had a promotion. If a client opened a new saving account between XX/XX/XXXX and XX/XX/XXXX and maintained a minimum balance of {$25000.00} in the account until XX/XX/XXXX, with a new checking account, the client will earn a {$200.00} bonus. Besides, if the client maintained a minimum balance of {$15000.00} in the checking account until XX/XX/XXXX, the client will earn a {$300.00} bonus. 
I opened a new saving account and new checking account in Citibank 's branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX and maintained {$25000.00} in the saving account and {$15000.00} in the checking account until now. Citibank did give {$300.00} cash reward in my new checking account on XX/XX/XXXX. However, the {$200.00} cash reward I got on XX/XX/XXXX for my new saving account was reversed on XX/XX/XXXX. When opening the two accounts on XX/XX/XXXX, I followed all instructions from the branch 's personal banker XXXX XXXX XXXX. So it was either the branch did something mistakenly when opening my accounts on XX/XX/XXXX, or Citibank wrongly reversed the {$200.00} cash reward from my saving account. I have tried to contact XXXX XXXX many times by emails, phone calls and visits, but she has not respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northland Group Inc
State: OH

Complaint narrative:
This account was settled today for {$3500.00} and this matter needs to be closed at XXXX XXXX  and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
This debt has been paid in full and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 I had 5 fraudulent transactions on my debit card with BANK OF AMERICA. There were 4 purchases at a XXXX 's for a total of {$1000.00} and 1 transaction for XXXX made by ATM withdrawal. I was just getting off work around XXXX XXXX XXXX XXXX time on XX/XX/XXXX and noticed these charges. I immediately called BANK OF AMERICA and informed them, cancelled my card and had a new one sent. I attempted to file a claim but at this time claims department was closed for the weekend. As soon as I had time on Monday I filed my claim. A representative with Bank of America assured me I would get the money credited to my account however within the next couple of weeks I was told my claim was denied because 1. No draining of my account. 2 No balance inquiries were made. However 5 transaction of more than {$1300.00} I would consider an attempt to drain my account. They told me send in a letter it took me some time as I work 6 days a week 10 hrs a day and could not find the time. I am seeking full reimbursement and bank of America is denying me payment. My next step will be filing a lawsuit.

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 2018-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EMG ACQUISITION GROUP, LLC
State: LA

Complaint narrative:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX I sent {$400.00} to my mother via American Express Blue Bird prepaid card. She wasn't a customer at that time, but upon receipt of an email, she followed the directions and set up an account. She input her PO Box and her physical address. 

We patiently waited for her card to arrive. To this day, it never did. About a week ago, I tried to contact the Blue Bird customer service number, but couldn't speak to a live person through any prompts to have this issue resolved. Today, XX/XX/XXXX I finally had to create a XXXX account to ask @ XXXX. They told me to call and not put in any account information and push 0 until I got a live rep. So I did this, with my mother on the line with me. They refused to send the money back to my account, stating that the money had 'already been accepted '. They offered to express mail a new card for a {$20.00} fee. When we stated that we would not do that, they stated that they would send a new one. The problem with this is that her physical address is listed as her mailing address as apparently they ' can not mail to a PO Box '. My mother has no other address to use. ALSO, she can not update her address without the card number being activated. I have tried to get them to place the funds back into my account, but they refuse. They told us to have her sign on and transfer the money back to my account, but guess what?? You can't transfer funds unless you have activated the card. 

I want my money back and they won't give it to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
Fixed interest rate of 15.41 % flucuates frequently. At 15.41 % Fixed, interest should calcuLatE to no more than {$100.00}. 
HOW ARE THE amountS of interest in excess of {$200.00} per month or from {$90.00} to {$250.00} a month GOING TOWARDS INTEREST? Clarify these amountS and where is the rest of the money going??? My payment are {$690.00} a month and and you deduct {$700.00} every month where is the credit of {$2.00} going as well as the miscalculation in a fixed interest RATE OF 15.41 %???????????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: LA

Complaint narrative:
I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
These people have put a very old debt on my credit report that's twice the amount of what it was when it was charged off years and years ago. I am no longer responsible for the old debt at the original amount. They send me letters saying they will sue me, they call me and bother me, and they keep adding more interest to this " debt '' they think I owe. Right now it's at {$2400.00} and it keeps climbing. They are deliberately damaging my credit, which made it very hard for me to buy a car last month. I had gotten my score to the 700 's finally, and they brought me down to the 500 's with their despicable actions. I disputed this debt once, it was removed, and they added it back on and added more money to the balance. These people are crooks who damage your credit ; I read all about how they went after people in LA with fake medical bills and they have been sued many times by others. If they do not remove this debt on my credit reports ASAP, I will be hiring an attorney to sue them as well. XXXX my words, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I paid Professional Finance Company in full on XX/XX/2018. The amount was {$280.00}. They are still reporting this as an active open account. They are still reporting this as a debt. I have contacted them twice about this. They said they would fix this. They have not. 
Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with XXXX XXXX  so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page XX/XX/2007, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/2007 WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN AND HOMEOWNER

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 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with Citi Bank so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of Citi.

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 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I have had this debt collector on my credit report for 3 years and 9 months now. I have never even received a written letter or call about this debt. I don't recall ever owning anything to this company. On my credit report, it doesn't even give a number for this collection agency that supposedly has my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation