vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am reporting fraudulent transactions happened with my Chase credit card. I have noticed a couple of major fraudulent transactions on my credit card somewhere around XXXX XX/XX/2018. Immediately I reported it to the bank. They cancelled my earlier card and issued a new credit card ending with. At that time they removed all unposted fraudulent transactions and refunded the fraudulent transaction money. They also sent an email stating that they will investigate the transactions and ask me if any information needed in that regard. However, they never asked any further details later. Meanwhile I received one of the articles ( womens sports innerwear ) from XXXX   ordered by the fraud on my delivery address. I reported this to both my bank and XXXX ( email confirmation from XXXX regarding this is attached ) I returned the article to the XXXX as it was not ordered by me. They posted a refund to my account ( {$52.00} ) on XXXX XX/XX/2018. I believed that the issue was resolved. But the bank posted two of the major fraudulent transactions ( which was refunded earlier by bank on reporting ) back on my account on XXXX XX/XX/2018 ( one for XXXX, {$83.00} and another one {$230.00} for a XXXX transaction ). When I asked the bank ; they said that the transaction happened by providing my address as billing address ; which I never ordered. They also gave me the tracking details of the article ordered by the fraud ( I attached the tracking details herewith ). Now the bank said that they will re-investigate the transactions and let me know their decision in 5-15 business days. But now they generated monthly bill including the fraudulent transactions ( which I reported to them earlier ) I now paid the bill excluding the fraudulent transaction. I am afraid that they, may charge late fee and interest for the fraudulent transactions. I have also reported this incident at local Police station in XXXX, NY. The incident number is XXXX. In all these things chase bank wasted my half day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, XXXX # XXXX The basis for my dispute was required to notify me prior to, or no later than 30 days after XX/XX/2016 failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of South Carolina allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
On XX/XX/XXXX I closed on a home through XXXX Mortgage and XXXX XXXX XXXX. XXXX XXXX XXXX received {$2200.00} in for XXXX Winter Taxes in my Escrow along with other closing costs on the day of closing. According to my contract XXXX XXXX XXXX was responsible for appropriating my tax payments. I received a letter dated XX/XX/XXXX stating that my mortgage loan had been transferred to PennyMac Loan Services , LLC . I was instructed to pay them {$1000.00} monthly per my original contract and was insured that my payments and loan conditions would not change. On XX/XX/XXXX a whole year later PennyMac Loan Service, LLC unexpectantly increased my monthly payment amount to {$1100.00}. When I called and asked why they made a change they stated that the increase was to pay them back for the XXXX Winter Taxes. When PennyMac took over the loan from XXXX XXXX it was already in the contract for XXXX XXXX to disperse the funds to cover the XXXX taxes. PennyMac did not inform XXXX XXXX nor myself at any point of a payment being made outside of the original contract. They are now adding additional amounts to my monthly payments for the next twelve months to recover their {$1300.00} mistake. This appears to be a breach of contract and a violation of my consumer rights therefore I am requesting an investigation to search for illegal practices. My taxes did not increase therefore my payments should not increase on a fixed FHA loan. I have contacted them many times and they admit that they should have sent me notification of that payment sooner and want to discuss easier payment plans so they can recover their {$1300.00} on taxes that I had already paid at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TX

Complaint narrative:
I HAVE CONTACTED MIDWEST RECOVERY THIS ACCOUNT WAS DISPUTED THRU THE XXXX FRAUD DEPT DUE TO IDENTITY THEFT NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am shopping around for the best interest rate. I was not told this would result in a HARD inquiry on my score LOWERING my points. I am furious and would like it removed immediately please. Other places I have shopped around have NOT resulted in a hard inquiry, CHASE is the only one who had and did not disclose it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-11-16 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: MI

Complaint narrative:
I filed a dispute through XXXX, XXXX, and XXXX  to receive physical verification of my original instrument of indebtedness via certified US mail on XX/XX/2018. I received an electronic response from XXXX   XX/XX/18 through my credit monitoring account that this account has been updated without sending me any physical verification. Credit Acceptance has placed erroneous late payments, an inaccurate account status, and an inaccurate loan balance on my XXXX  credit report. XXXX has asked me electronically " why I want to dispute this account '' electronically when I specifically told them I want all correspondence to be by US mail. The question also makes no sense as I already told them why I was disputing this in the letter that I sent : " According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract, or MPN with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please also remove all non-account holding inquiries over 30 days old. ''

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I don't know why I owe this company money or who they are. I am not sure how much I owe them but they have sued me. They have taken my state income taxes, my husband 's state income taxes and are about to take my paychecks as well. I am very scared, my husband hates me now, I might be fired from my job. I am terribly embarrassed and no one at this company will even speak to me. I have never had an account with this company and have no idea how I owe them money. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My statement from HSBC from XXXX included 13 unauthorized transactions in gas stations, all with amounts over {$80.00}. These transactions put my account over the credit limit. 
I first contacted HSBC about these transactions on XX/XX/XXXX because my card was blocked. When I called them turned out I was over my limit as we reviewed the recent transactions that is how we realized of the fraud. Although they started a fraud investigation at that point, temporary credit was never given and my account continues to be over the limit. My old credit card was cancelled and a new number was reissued but I was never given a new card due to the over limit. 
On XX/XX/XXXX, I called again because I received a Claim form to complete and I wanted to make sure I was providing everything they needed to complete the fraud investigation. I was asked to fill out a police report which I did and sent along on XX/XX/XXXX with the completed Claim form. 
I was told at that point that as soon as they receive this information I will be contacted by the fraud investigator and as of today XX/XX/XXXX that has not happened. 
I received an statement with close date of XX/XX/XXXX and still shows the balance that includes all the fraudulent transactions. 
All the fraudulent transactions are considerably higher than my usual transactions at gas stations of around {$40.00} that can be seen in my transaction history. Also, none of them are at my city and I can prove I was working in town while they happened. 
In addition to all of that my credit score went from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. I am pretty sure that is as a result of this because nothing else on my credit has changed. When I mention it to them they said that because the card is over the limit they report it to the credit bureau and that will affect my credit. This is not fair as the reason why is over the limit is not my fault. 
I am reaching out to you to help me get this investigation resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-11-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any  and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
After applying for mortgage loan and being approved, half way through escrow all of a sudden a supposed debt with open date of XX/XX/2014 and balance of over {$10000.00} just all off a sudden appeared. This says i owe over $ 10k and they haven't had this on my credit in 4 years but now all of a sudden they are reporting this debt as something I owe. Seems pretty fishy that this company I have no knowledge of is reporting this after seeing that I have paid off all my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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 — Problem with personal statement of dispute
Company: Avant Credit Corporation
State: OH

Complaint narrative:
I had a loan account with Avant. Avant is reporting the loan " current '' payment status as 120 days late. Although, this account has been included in my chapter XXXX bankruptcy petition. The current payment should reflect that it's included in bankruptcy. The company has had several chances to correct this information. I've filed several disputes and nothing has changed. 

Avant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX 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 2018-11-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2018 I noticed on my Capitol One bill an interest charge of almost XXXX dollars. I pay my bill in full each month ( and have for years ). I  called them and they explained ( very poorly ) that they would remove the charge but that it was the interest on recent purchases ( i.e. next months bill ) in effect the grace period had magically disappeared and my rate was now over 22 percent ( it was 11.99 APR when I first signed up years ago ). My recent bill they did the same thing ( added over XXXX dollars in interest rate charges ).

Company response to consumer: Closed with monetary relief