vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: OH

Complaint narrative:
I received a voicemail on Monday XX/XX/XXXX from an " XXXX '' claiming that I had 2 civil complaints against me and that I would be served papers that week. I called the number she left in the voicemail and reached CRS and XXXX. XXXX XXXX took the call. He stated the call was being recorded and to let him finish before speaking or asking questions. He said that I owed a debt from XX/XX/2005 from XXXX XXXX  and that I would be receiving a court summons regarding a theft and fraud investigation. He claimed that I had 3 options : 1 ) To go to court and be responsible for the judgment and court costs 2 ) make payments or 3 ) pay off at a discount and avoid the court. The call occurred during my work shift and created unnecessary panic and anxiety. I gave my debit card number to avoid a court record and was sent and email to sign papers to authorize payment. After the call ended and I calmed down, I performed research on CRS and associated and found many reports of scamming and predatory tactics to collect old debt. I called the court system in my local county as  well as XXXX XXXX and had enough information that this was not legitimate. On XX/XX/XXXX, CRS withdrew {$490.00} without my signed authorization. I called Mr. XXXX to confront him with the situation and call him out with the information I had obtained. He continued to dispute the information XXXX XXXX ( the institution where the debt is owed ) gave me before cutting me off and asking what I wanted. I stated that I want the funds returned to my bank account since I did not sign the papers authorizing them to withdraw. He was going to hang up on me before I could ask when the money would be deposited. He stated today ( XX/XX/XXXX ). I called XXXX XXXX  to confirm the original information I received. I called Mr. XXXX back and stated once again the facts and called him out on the lies. He said " the money had already been refunded and to stop calling. '' He hung up on me. The funds were not returned.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
My student loan was recently transferred to XXXX XXXX. XXXX XXXX   does not have a single method of payment that doesn't incur an additional fee. The cheapest option is a {$0.00} additional fee. 

The act of paying my loan costs additional money beyond the actual loan itself .... This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. 

Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was on the Hurricane Harvey Relief program thru Chase bank for roughly 9 months but when i came off of the program they are trying to double charge me for the month of XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: VA

Complaint narrative:
The loan was repossessed due to me not being able to title and tag because my last county claimed unpaid personal property for a vehicle owned and purchased when I no longer lived their. I called and asked if they could extend the temporary tags and they said no instead of directing me to DMV who could have granted and extension. They also did not notify me of repossession, notify me of public or private sale, notify me of the sale price and remaining balance on loan, notify me of where car was located for personal possessions. I submitted a request to remove the account from my reports due to the Commonwealth of VA code not being followed via fax on XXXX XXXX. XX/XX/XXXX I received three alerts from three different monitoring companies, XXXX XXXX, XXXX XXXX, and XXXX XXXX that they had updated the account to Closed. This re-aged the account. The account had already been closed on XX/XX/XXXX. I called them on XX/XX/XXXX and they proceeded to tell me falsehoods once a manager got on the phone saying I ignored their calls. I asked for a transcript of the call and they said their was not one ; I said their was as it stated at the beginning of the call it was recorded and this was an attempt to collect a debt. She said no ma'am it is recorded for customer service and to get a subpoena. I said I would follow another complaint with CFBP and from their the attorney general. They have also changed outstanding balance since the re-age.

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 2019-02-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote a check to the Internal Revenue Service on XX/XX/XXXX. It was properly cashed by the IRS on XX/XX/XXXX. My check and account is with Chase Bank. 

Two years later, on XX/XX/XXXX, the exact check ( now altered on the back ) was hand endorsed and improperly cashed at a XXXX  XXXX XXXX Branch ( unknown location ) without proper identification being presented. 

My bookkeeper had no reason to suspect any foul play as it is not uncommon for me to write checks to the IRS and since it was two years later, even the check numbers didn't seem odd since check numbers rotate through and I have several checking accounts with Chase. 

When my CPA was doing my XX/XX/XXXX Taxes, it was noted that there was a discrepency in my books of {$870.00} ( the amount of the check ). Upon a deeper look and investigation of the front and back of the cancelled check, only then were we able to see that the check had in fact been altered. This finding took place on or about XX/XX/XXXX, 1 year and 2 months after the XXXX  XXXX XXXX and Chase claim a statute of limitations on fraud. They now claim I am unable to get my money back from either institutution. 

My claim is as follows : 1. XXXX  XXXX XXXX should NEVER have allowed a check made payable to the Internal Revenue Service to be CASHED by an individual. The IRS doesn't cash checks. This was NEGLIGENCE on the part of XXXX and they are hiding behind a 1 year statute of limitations clause that I think any judge would throw out due to the negligence of the Bank and it's employees in this matter. 

2. Chase Bank is insured for loss. I am not. That's why I bank with an FDIC bank. I have held and transferred millions of dollars through Chase as I have been with the company for over 30 years, having my business and personal accounts with them all of that time. For them to deny an {$870.00} claim is unphathomable considering how long I have been a loyal customer. 

I want this matter resolved in my favor and am not going to stop until it is. I am prepared to go on social media, picket the banks if necessary and close all of my accounts if I am not treated properly in this regard. {$870.00} will not hurt the bank. It hurts me financially to lose this money because of a technical issue of me not finding the bank 's error in time. 

I am prepared to do whatever necessary to recover my losses, including, if necessary, go after XXXX for Negligence, Fraud and potentially even employee collusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/ 2019, XXXX, agent of XXXX XXXX, XXXX, contacted my tenant via telephone and discussed a debt I allegedly owe American Express, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with XXXX XXXX to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is XXXX XXXX. As such, the complaint against XXXX may be withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This concerns a report to the " XXXX XXXX XXXX XXXX ''. A XXXX XXXX from PNC Bank k submitted a " Dishonored Check Reporting From '' to this organization. The form listed a check. The listed check was honored. I asked that they correct their error but to no avail. A XXXX XXXX from PNC Bank called me and just read off pre-prepared form with excuses without substantively addressing the problem or taking an interest in correcting the problem. Now I have an attorney grievance committee filing a complaint about a dishonored check that was in fact honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all three credit reports. I noticed an account from XXXX XXXX XXXX, XXXX. In XX/XX/XXXX I  disputed the alleged account with all three credit bureaus. In XX/XX/XXXX all three credit bureaus came back as verified. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX. ( Letter enclosed ) Prior to this XXXX XXXX XXXX, XXXX did not send a dunning notice. They also did not notify me within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter asking for validation of alleged account.

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 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The Best Service Company account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The Best Service Company. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.

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 2019-02-22 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: CA

Complaint narrative:
On XX/XX/2019 I receive a letter from Portfolio Recovery Associates, LLC alleging that I owe them a debt for {$6200.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( PRA ) LLC any amount please show agreement that I owe. ( PRA ) LLC receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, XXXX  and Equifax because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, Equifax and XXXX  will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with Experian, XXXX and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, XXXX and Experian will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I have complaint against chase bank. They are saying I made electronic payments which has check numbers next to them on my bank statement. I asked them for photo copies of check payment XXXX but they have said I have made those payments electronically so there is no copy. But my bank statement is saying there is a check numbers. I already tried contacting cfpb about this and they have saidXXXX, XXXX was not posted. I attach following evidence. I filed previous complaint number XXXX about this. They have these checks were not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: NC

Complaint narrative:
This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from XXXX XXXX dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from Experian reporting a date of XX/XX/2019 and an Experian report number of ( XXXX ). In which, the Experian report does not show my current XXXX XXXX Credit card reporting. There is still a major disconnect between Experian and XXXX XXXX. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with XXXX XXXX and Experian both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An immediate resolution is required at this point.

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 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST
State: IA

Complaint narrative:
In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.

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