vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 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: Netspend Corporation
State: TX

Complaint narrative:
I was at work on XX/XX/XXXX can prove that and i received alerts stating someine was withdrawimg funds out my account without my permission i dont know who the person is or how they got my information but they took a total of XXXX and my bamk is trying to say it was me whem i told them it was not me i want to prosecute whoever it is or they find out it is well they said they found no error and i am just out of XXXX and there nothing that can be done the company is netspend prepaid card

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 2019-03-16 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/2019 account was brought current, {$820.00} was paid XX/XX/2019 a payment was made on this account, {$190.00} was paid XX/XX/2019 is when another payment is due.Credit acceptance has yet to update my credit report. I spoke with someone from there office who assured me, that it would reflex the payments by XX/XX/2019. This hasnt happened.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/2018 I received notice my payment due for XX/XX/2018 had jumped to {$540.00} which was almost {$320.00} more than what I had been paying the prior months. This was quite frustrating however I managed to figure out how to pay before it impacted my credit. My fiance was without work so I was struggling to maintain all payments and keep my credit from being impacted. During this time of trying to figure out how to make the XXXX payment I then received another notice of my payment due for XXXX which jumped all the way to more than {$1500.00}. As anyone can imagine this was a huge increase and if I struggled to pay the the additional {$320.00} I would not be able to figure this one out. I immediately reached out to American Express and asked what was going on as the payments had increased significantly. They indicated the amount due was because my pay over time balance was over the limit. I asked them what the limit was as I had received absolutely no detail on this limit and they advised {$4600.00}. I had not recently charged almost {$2000.00} so I asked for an explanation in which nobody could explain. I asked what assistance I could get as there was no way I could pay this by the required date to keep it from impacting my credit and I was told there was nothing. This was very disturbing. I have had a stellar payment history with them and all my other credit card companies. This was an unfair practice to a consumer. During my call I was also told - that I should have read my statement as it is in there. For those who pay online you typically never go in to the detail of the statement. This information needs to be transparent to consumers, not embedded and hidden. I would like to request the late payment for the XXXX payment be removed from my credit. I was able to pay the payment however I was 4 days over the 30 day mark. I did all I could to try to resolve however the company offered no assistance, was unwilling to take ownership in the misleading information, and seemed to truly not care. Not only did it hit my credit two months later I get a notice that they are lowering my pay over time limit to {$3100.00} because of credit score dropping - which was a result of their lack of informing a consumer. I also had another credit card company drop my limit from {$5800.00} to {$2100.00} because of this one late payment. I find this to be horribly unfair to consumer and they must change their way of how they handle this type of credit card with pay over time balance. I would hate to have another consumer in this position who truly could not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XXXX  reporting fraudulent information on my credit file ... Items were removed in XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from XXXX on XX/XX/XXXX accounts that have been disputed multiple times ... The XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on XXXX 2 times between XXXX and XXXX. The file isn't reporting per XXXX  so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. XXXX  sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from XXXX stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and XXXX  never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX  # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. XXXX has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely XXXX is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian was sent several items on my report that I asked to be verified with original documents from the creditors. They did an investigation with the eoscar and did not follow the law that is in place. All of the items where just left in place and they sent me a new report. I also asked them to take several address off my report that did not belong to me and I furnished my license with an electric bill to prove my current address. They refuse to take this information off of my report. Under the 609 stature of the fair credit reporting act they are obligated to furnish me with this information and they reuse to do so

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 2019-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is still reporting a charged off account with balance due when I have court documentation that it was a repayment agreement that has been paid in full. This has adversely affected my credit for the past year. Have tried through credit reporting agencies to get this fixed with no success even though I have the actual court document saying that this is paid in full. This credit card company is a bully and you all let them get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ),  FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. In the Summons, Exhibit A ; The Bill of Sale is stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX, however the Amounts Due have been removed from this document and was signed in XX/XX/XXXX by the " Seller '' and " Purchaser ''. The Schedule 1 to Bill of Sale is missing information in the table listed. An additional Exhibit A ; The Bill of Sale is attached, stating the Agreement was made dated XX/XX/XXXX and Closing Date XX/XX/XXXX however the Amounts Due have been removed from this document and signed on XX/XX/XXXX by the " Seller '' and XX/XX/XXXX by the " Purchaser ''. The additional Schedule 1 To Bill of Sale is also missing information in the table listed. The Affidavit attached appears to be electronically signed by the Custodian of Records, whom appears to be located in California and notarized by another employee of the company on XX/XX/XXXX. The notary statement " Subscribed and sworn to ( or affirmed ) before me on XX/XX/XXXX by XXXX XXXX proved to me on the basis of satisfactory evidence to be the person who appeared before me. '' By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collections Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX  has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX and my mother XXXX XXXX cosigned for a private student loan. We were due to family deaths/hardship were unable to make payments and the loan was sent to XXXX  debt collectors. They started debited my mothers account monthly by default. We have been paying for over 2 years, they dont provide us information on the interest amount vs principal. We have asked he repeatedly and I am unable to claim the interest we have paid. I have paid my mother every month and I have proof of this. They are not helpful at all and said there is nothing they can do. We are in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am long time customer who attempted to open a CD with my bank-Capitalone.com. I contacted customer service after several online attempts to open an online CD. I was informed that I need a cell phone to receive a security code in order to open an online CD. I was explained that there is no other way to send me a security code, not via land line phone nor e-mail. I do not own an appropriate ( Capitalone.com ) approved cell phone. This is customer disservice, not to mention discriminatory. Apparently Capitalone considers cell phone ownership a secure means of verifying a persons identity. If security is genuinely the issue, then Capitalone should make the effort to be more inclusive. Instead of racial discrimination, Capitalone practices cell phone ownership discrimination. Can anything possibly be done to serve the customer instead of further encouraging a two class culture?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates, which is the name of the company who is repeatedly calling me, continues to harass me almost daily about a debt that has been written off more than 7 years ago. I asked for them to stop calling me and they refuse. I received a call from them today waking me up out of my bed at XXXX from XXXX , TN from this number : ( XXXX ) XXXX, Thursday from XXXX XXXX , MO , at XXXX, from this number : ( XXXX ) XXXX, Wednesday from XXXX KY , at XXXX, from this number : ( XXXX ) XXXX I need it to stop!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to Chase after in prior days attempting to open an account on-line and was notified I had already had an account in existence. I called the phone first and spoke to someone in customer service before going to the branch. I was notified what was needed and what I needed to do in order to proceed with account opening at the branch. While at the branch, the first banker that offered to assist was apprehensive and hesitant in assisting me. After requesting my identification and social security card she told me she would be back and that she needed to make a copy of it. I obliged but she proceeded anyway. Upon her return from scanning/copying she informed me that she would not be able to open my account because a business was utilizing my social security number as their EIN. After presenting my  identification I was confused. I told her that I did not authorize that business to use my social security number as their EIN. She insisted that if she opened my personal checking, the bank would automatically link the unauthorized business account and my personal account together. She did not proceed to assist me, instead sat there arguing the indisputable facts with me. She told other bankers not to assist me since she couldnt. Her professionalism was very poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services , Inc. reported a debt of {$2700.00} to all three credit bureaus, on XX/XX/XXXX. 

On XX/XX/XXXX I drafted a letter to this agency, officially disputing this debt. I informed them that proof of debt was needed in order to pursue this debt, and that this account was due to fraud, being that my personal information was exposed in several breaches. 
In fact the credit bureaus informed me that some of my information is on the dark web. 

At some point the tradeline for this debt was removed from my credit report. 

I received a response to my first letter to this agency, their response letter was dated XX/XX/XXXX. Enclosed, was a printout of a bill/itemized document with my address, but no apartment number. 

On XX/XX/XXXX I sent a follow up letter to Sunrise Credit Services Inc.,  informing XXXX XXXX, who's name was on their XX/XX/XXXX response letter, that A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION, as per FTC opinion letter from attorney XXXX XXXX XXXX. 
In Fact the FCRA, protects consumers, by ensuring that there is an original document, signed by the consumer. 

As of today, XX/XX/XXXX Sunrise Credit Services , Inc., has not responded to my XX/XX/XXXX letter. 

On Monday XX/XX/XXXX, Sunrise Credit Services , Inc., decided to VIOLATE THE LAW, by again, illegally Adding this Unvalidated debt to my credit file. This company did this without ever responding to my 2nd letter, which informed them that they have not validated this debt as belonging to myself. 
They boldly and blatantly disregarded the Law.

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 2019-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I took out a loan with this company on XX/XX/XXXX. In addition to the bi-weekly deductions that are set to cover my payoff I made an additional payment towards the principal balance only and they never applied it to the principal amount. I called to make an additional payment towards the principal balance on XX/XX/XXXX and was told my payment would not be applied to the principal. I am trying to pay the balance of this loan and it seems my efforts are not working. The loan was originally for {$2800.00} in XX/XX/XXXX and I have made bi-weekly payments of {$170.00} starting in XX/XX/XXXX and the balance is currently {$2700.00}, I understood this was a high interest bearing account but when trying to pay towards the principal balance my efforts are being thwarted. I need someone to look into this and provide me with a reason I can't seem to pay this loan down. I was told by a representative I will have to call on my payment due date to pay {$700.00} towards the principal and still have to pay the {$170.00} that is due at that time this just doesn't make any sense to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX should be violated in New York just like XXXX XXXX was there high interest rate and demanding money I didn't understand they don't have the right social security number on file I want that off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arnold Scott Harris, P.C.
State: KS

Complaint narrative:
This is a State of XXXX TAX debit which was paid last year and the company calling XXXX XXXX Law Firm ( read XXXX-XXXX  XXXX ) verified I was paid yet they continue to call trying to collect a debit not owed, this was paid direct to the state of XXXX from other tax refunds, the " law '' firm is not actuate and has poor record keeping. 
I am tired of the repeated phone call about a paid debit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XX/XX/XXXX a letter was sent to XXXX XXXX asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for XXXX XXXX XXXX XXXX and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence.

By filing this Summons, Weber & Olcese, P.L.C. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff XXXX XXXX has.

Company response to consumer: Closed with explanation