vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I was in XXXX on a business trip and went to an establishment called XXXX XXXX on XX/XX/XXXX. While I was at this club, I realized that I no longer had possession of my wallet. I looked frantically for my wallet before asking a waitress if she had seen it, she acted as though she didn't understand me. I then found the manager and asked him if anyone had turned in a wallet. He acted like he didn't understand the question, but eventually told me no wallet had been turned in. I returned to the table to find my wallet sitting in a spot that I would have noticed when I was looking, but was just relieved to find it. Upon leaving the establishment, I tried to pay for a taxi, and was told the card was declined. I checked my bank account online and realized that someone had, in multiple transactions, taken more than 6000.00 from my checking account via debit card transactions. I went back to the club to confront the manager, but he acted like nothing had happened told me that he was closing. After getting nowhere with the merchant, I contacted Huntington National Bank  customer service to dispute the transactions as fraudulent. I told them that I didn't have my wallet for an extended period of time, and that I did not authorize these charges. I said to look back in my 7 year history as customer to see that spending XXXX in a night is not something I do. I asked why my card didn't stop working to prevent further activity once I hit a certain dollar amount, and I explained that it was a foreign country. To this point, my bank has said that since the card was swiped that they will not refund the money. I am going to be unable to pay my mortgage or other household bills due to all of my liquid money being taken from me in a few short hours. I need to have this money back to take care of my family. Please help. 

Here are the transactions which all occurred in the early morning of XX/XX/18 : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX This was all of my liquid funds. I have never had anything like this happen to me before in 7 years with Huntington Bank. I was robbed, and up to this point, I have been treated as though I am trying to scam Huntington Bank. Again, Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I was served with papers from XXXX XXXX   XXXX, XXXX on the 2nd page of the summons it states prayer amount ... What is a prayer amount? then it shows a statement from XX/XX/XXXX-XX/XX/XXXX then another one from now-XX/XX/XXXX where are all my statements in between those months? they keep sending me letters to which I respond to and they state I have not. In XX/XX/XXXX I paid all my debts off with trust money due to death of a parent. why is it now portfolio recovery is coming at me 3 years later?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3200.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I was late on an account from XX/XX/XXXX to XX/XX/XXXX with LoanDepot. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the LoanDepot loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to LoanDepot. I spoke with LoanDepot on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to LoanDepot and not XXXX XXXX XXXX , XXXX. LoanDepot did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc. 
45 days went by and I received nothing except a bill from them from their client a data furnisher. 
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices. 
The company also sent me a medical record which was a HIPAA violation My father never signed a release. 

Also my father passed away around that time. I have tried to tell these collection companies this. 
We had the same name. 
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it. 
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times. 
I have not lived in Florida since XXXX My XXXX page can prove that as well. 
Also The medical records sent to me were for someone on life support its quit obvious its a mistake. 
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I contacted my ( bank ) USAA on several occasions during late XX/XX/XXXX and early XX/XX/XXXX regarding the issue identified below concerning my government card payments being returned as NSF : M XXXX XXXX credit card account was closed due to two returned ACH payments during XX/XX/XXXX, payments I initiated via online and USAA returned as NSF. 

Upon receiving notification from USAA Bank of the returned payments I contacted USAA to ascertain why my payments were returned and unfortunately, I did not receive a prompt explanation of the issue ( s ) that caused this action. 

After further communications with USAA regarding the returned ACH request for payments, they refunded the four NSF fees associated with the ACH requests I initiated, as each online check request was presented twice. I also requested USAA provide verification of the NSF payments as errors and they informed me that they have no formal verification template form or process that would meet XXXX requirements, but would provide a transaction history that shows the NSF activity and return of NSF fees. 

To maintain a XXXX XXXX XXXX XXXX, there can be no more than two retuned payments within a 12 month period and in this case there were four within one month albeit, the same two ACH payments accounting for 4 NSFs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: NY

Complaint narrative:
I received a negative remark on my credit report stating I had an unpaid collection in the amount of {$53.00}. I contacted the collections company on XX/XX/2018 and discovered the negative item was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call.??? I just want to pay this bill and have it REMOVED from my credit report as I was never billed for it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$7600.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2018 I HAVE TRIED TO CALL EXPERIAN ON SEVERAL ATTEMPTS AND WROTE LETTERS TO THE COMPANY FOR THE LAST THREE MONTHS STATING THERE NOT SUPPOSE TO PUT MY BANKRUPTCY ON MY CREDIT REPORT THIS IS THE ONLY AGENCY THAT FAILED TO COMPLY, SEND THEM BANKRUPTCY LETTER THAT THE COURT HAS PROVIDED ME STATING THEY DO NOT REPORT TO CREDIT BUREAUS XXXX AND XXXX DOES NOT HAVE IT ON MY REPORT BUT EXPERIAN HAS GAVE THEM THE DOCUMENT STATING IT DOES NOT GO ON THERE STILL NO RESULTS ON ANSWER FOR EXPERIAN CREDIT BUREAU.

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 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
My Discovery Credit Card opened XX/XX/2017, My limit was {$3000.00}, currently it is {$2000.00}! Discovery Credit Card decreases my limit whenever it gets to 200-400 available credit!!! Yes! balance was high!! Due to moving into my New three story Town House in XX/XX/2017, my limit was close to max quickly!! I knew my Credit Utilization would increase and my Credit Score would decrease due to purchasing I needed to make with my new home. I gave myself 1 1/2 years to pay everything off! Spoke to rep and they said to make sure payments were made and to set up auto pay ( did that ) and I should be fine!! Payments are way over minimum!! Every time my Limit is decreased, my Credit Score goes down. Which affects my Credit Worthiness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$5100.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I fell behind on my mortgage due to job loss in XX/XX/XXXX. My loan was sold to Carrington Mortgage in XX/XX/XXXX. When I started working in XX/XX/XXXX after I received my first check in XX/XX/XXXX, I called to set up payment arrangements that by my calculations would have had me not only caught up, but ahead on my mortgage by the beginning of XX/XX/XXXX. The person I spoke with, told me this was impossible, my account was " locked '' against partial payments and that they would only accept the full amount due at that time. They also advised me to try to get a mortgage modification. I agreed to attempt the modification and awaited the paperwork. They paperwork did not arrive until XX/XX/XXXX. I was denied for repayment or modification. I received a general collection call from them regarding my account in XX/XX/XXXX, where I was told by the representative that my account was not " locked '' and that payments ( partial ) could be made, it's just that she wouldn't be able to take it over the phone I would have to send it in via mail or wire transfer it, but also that the lock could go on my account at any moment, she also said to try again for a modification, which I did. The paperwork came in XX/XX/XXXX and I was denied in XX/XX/XXXX. I called with someone on the phone with me to attempt to speak to someone in the Modification dept. The first time I got through, but when I called again the next day with more questions and concerns I was denied contact with the Modification dept and the rep stated because they spoke with me the day before they would probably not take my call. She did not attempt to transfer me. I applied again for a modification and have again been denied, I've attempted to make payments, the first was accepted the second rejected. The reason they have been denying my repayment requests is because they say it will take more than 6 months to repay the past due, and I keep trying to show and explain that it would NOT take more than 6 months, I can have the deficit cleared and my account completely in the black in 6 months and it would have been cleared if the person I spoke with in XX/XX/XXXX had been truthful with me. I have friends that are able to assist with my basic needs while I meet this past due obligation, but there's no way to list or count that as " income '' I was told by the rep because their assistance wouldn't start until I was approved for the modification and was making payments. Carrington Mortgage is refusing to work with me to help me stay in my home they are only offering deed in lieu of foreclosure and that is not what I want. I am willing to accept any assistance to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. 

Over a month went by I had received nothing from the company. 

However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. 

They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to Transunion, XXXX, and XXXX. Transunion has my opening date as XX/XX/XXXX ; whereas, XXXX, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, XXXX, and Equifax. XXXX has my opening date as XX/XX/XXXX ;  whereas, XXXX, and Equifax cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3300.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have Equifax, XXXX and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On 3 Occasion I asked Equifax and XXXX to verify 3 debts on my report. The first was on XX/XX/XXXX, the next one was on XX/XX/XXXX and the 3rd was on XX/XX/XXXX. I am sending one last request, as none of these requests resulted in showing me proof that any of the 3 debts are actually mine. They never even responded by mail to let me know what the status of these debts are. I am prepared to seek civil remedy, but as part of my case am filing this complaint for the record. I will be attaching my last and final request, and this will list the debts that I am trying to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Control Company, Inc.
State: CA

Complaint narrative:
To whom it may concern, I got a collection call from someone who had confirmed my XXXX   address at XXXX. She had told me that because my cell phone are code was XXXX that she thought I still lived in XXXX but had my XXXX address on file and asked me to confirm it. This had awoke my XXXX year old as well. Credit Control Sincerely XXXX XXXX

Company response to consumer: Closed with explanation