vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: AR

Complaint narrative:
I have a debt on my credit report for {$510.00} that is n't mine. I have no knowledge of this account or this company for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recover, LLC
State: GA

Complaint narrative:
I requested a signed contract between me and your company. One that I signed and one you signed in early XXXX. It is now XXXX XXXX and your company chose to ignore my consumer rights as well as violate the FDCPA and FCRA. In XXXX I SPECIFICALLY stated that copies of a copy is not legit validation. I stated that I would have liked to seen the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated HOWEVER you neglected to provide it. This is my final notice before litigation. If you ignore my last and FINAL request I will take it as a waiver of all claims.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX  as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been disputing a debt from Portfolio Recovery Associates. In response to a request for proof of validation, PRA sent me a bill saying that I owe a balance of {$180.00} This is not a proper validation of the debt. In response, I submitted a complaint to BBB demanding that PRA send me proper validation of the debt and proof that I signed a contract to pay this debt. I specifically listed items that I would like in order to validate this debt. PRA did not send me this information once again. In response to my complaint to BBB, PRA claims to have the documents that I am requesting but they still have not sent them to me. I refuse to take their word it and demand that they send me this supposed information they claim to have, including the names and phone numbers of those that they spoke to in order to obtain that information. Given PRAs delayed delivery of the requested documentation, I am convinced that they really dont have any information to give me other than a bill that they keep sending. I have advised PRA that they must remove this debt from my credit report if they can not validate it AND send proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwestern Health Management INC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX is where both me and my wife received care on separate occasions. I was XXXX years old in XX/XX/XXXX when I received care. That bill was paid by me. My wages were garnished and the debt was paid. In XX/XX/XXXX, XXXX sent a debt for collection to XXXX XXXX XXXX. This debt was not mine. 

This debt was for care received by my wife, XXXX XXXX. I was told by XXXX that they were adding my wife 's debt to my name and they said it could be garnished from my wages. 

Out of fear of losing my job in the XXXX, I agreed to have payments in the amount of {$150.00} twice a month to be this debt even though I did not owe it. I had no experience with personal finance and did n't know what to do and was fearful that my chain of command would be contacted. 

My security clearance has been impacted as well. 

My credit file is showing a debt in collections to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

XXXX is impossible to get on the phone and XXXX has likely been given incorrect information from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and XXXX XXXX XXXX Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, TX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX 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 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
This complaint is ongoing with Vectra Bank. After I closed my account, I went online to get my info from bill pay for my new account and noticed that the payment in question had been put back into my account, which I had closed! How does that happen, I spoke to XXXX XXXX several times. She told me that the payment had come back to Vectra because I closed the account.However she could n't release the money to me. I am still waiting for a check from Vectra for {$170.00}, but I have yet to receive it. I called her again and was told that the check was mailed out that day, Tuesday the XXXX? I think that they are holding the check because I filed a 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 monetary relief
Consumer complaint received 2017-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
on XXXX XXXX XXXX I called Equifax to dispute a debt reported recently that was covered by my bankruptcy in XXXX XXXX. It shows the account open even though I paid it off. It also mentions my chapter XXXX bankruptcy even though it says I paid it off. I spent XXXX minutes and answered XXXX questions to verify my identity. After all of that which should have been more than sufficient, they asked me to fax them copies of my drivers license, passport, and copies of my pay stubs and my XXXX. This is unethical. I have submitted disputes with XXXX and XXXX and never before have I had such an invasion of my privacy. They only want the info to sell I already had verified m, y identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.

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 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to your agency to provide an update for my previous complaint id # XXXX. After I submitted my final rebuttal to you and to FIA Card Services ( Bank of America ), XXXX XXXX contacted me again. He agreed to modify the derogatory comments on my credit reports. He modified my XXXX report but did not do so on the other XXXX credit reports : XXXX and XXXX. Please be advised that this indeed is the second time that someone from FIA Card Services has " misinformed '' me. I disputed this matter with both credit reporting agencies and the creditor verified that the negative information is accurate therefore not adhering fully to their resolution for my previous 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 non-monetary relief
Consumer complaint received 2017-10-19 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: Grant & Weber
State: OK

Complaint narrative:
In XXXX XXXX, I contracted with a credit repair company and set out on a journey to repair my credit. I could tell there were things on my report that I did n't know what it was or who it belonged to. Multiple items were deleted and I continued to work on my report and scores. In XXXX XXXX, XXXX new items from Grant & Weber XXXX XXXX appeared on my Credit Bureau Report under derogatory marks. When I went in to investigate it, they were all from XXXX XXXX, XXXX and the original creditor was XXXX XXXX XXXX. I did n't have any knowledge of doing business with this company in XXXX or before, so I disputed the charges. XXXX of them were deleted but the XXXX largest charge was deemed valid. I 'm not sure how one can be valid and not all of them or how one can even be valid when I have no knowledge of the company. On the credit report it shows that I have paid XXXX % of the debt off. I guarantee, I have n't paid XXXX or Grant & Weber a penny, so that information is incorrect as well. I would like to see some sort of proof where I signed for the goods that I supposedly received from XXXX XXXX, what type of supplies it was & proof of a payment that was made by me. I believe all of this to have been placed on the wrong person or SSN.

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent 4 request for Experian to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Experian regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )

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 2017-10-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: MRS BPO, LLC
State: PR

Complaint narrative:
Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: N.A.R., Inc.
State: IL

Complaint narrative:
According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, 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 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I started working for the federal government in XXXX 2011, I called Navient about what I need to do to meet public service loan forgiveness. The customer service rep told me I had to make 120 payments on time without missing one. I 'm into my 6 th year with the XXXX  and recently found out that I need to submit a public service loan forgiveness application ; my agency filled part of it out to confirm my inservice time and employment. Upon checking on the status of my application I was told my loan payments need to be income driven repayment, Ive been in the graduate payment program, paying more towards my loans therefore my payments dont qualify. Navient never told me that I needed to be in the income repayment program and now I feel like I 've lost 6 years of public service towards my loans. Im very angry and loan forgivness motivated me to move and join the XXXX. Im very upset and I need someone to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM 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