vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am unsure as to where to start with this ongoing issue I have been having with USAA. However, it started in  XXXX   2017 . On the  XXXX , I noticed some fraudulent activity with my Checking account and filed a fraud case and had my bank card suspended and replaced. The bank told me on or about  XXXX   XXXX  or  XXXX  that they were no longer conducting business with me and that the fraud case would take up to 75 days and that my funds would be available to me after the case was over.     The end of  XXXX  I realized that my  XXXX  check had already been sent to USAA and I spoke to them on that day (  XXXX   XXXX  ) and the  XXXX  of  XXXX  to try and figure out what I could do as far as the funds of my check. I was informed that I was to wait  60 c alendar days.     I called last week,  XXXX   XXXX , and was asked to call back on the following Monday,  XXXX   XXXX . I called again and was asked if it would be okay that they call me back with a resolution, when and if found. I accepted. I did receive an email the beginning of  XXXX   (  the  XXXX  to be exact ), that the Fraud case had been resolved and nothing on my part to do because the transactions were not mine.     Today,  XXXX   XXXX , I received a letter in the mail that my 'USAA  Federal Savings Ba nk Accou nt ', bei ng the Checking Account #  XXXX  was being closed as of the date of the letter,  XXXX   XXXX ,  2017 . I have been calling  XXXX  and then in  XXXX  about my funds sent from  Veterans Affairs and whether they can send me my money to my new banking account or not and  am still awaiting an answer.     With the letter, I continue to be told to call if any questions. Up until now there is no resolving this issue with the bank 's customer service because the run-around does not stop with them but only continues after being placed on hold for ab out 15 minutes at  the least, each time, at least once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In attempting to clear up my credit, I sent several letters to Equifax about Chapter  XXXX  bankruptcy that is on my report. I asked that they send communication about verifiable proof of the following :  *the n ame of the courthouse *the person 's name they verified the dispute with  *the address *the telephone  number *the documentation used to verify the dispute According to FCRA, Sect ion 609 a ( 2 ) I  can request to see what they used as proof to verify the bankruptcy and FCRA, Sec . 611 par ( 6 ) ( B ) ( iii ) a   description of the procedure used to determine the accuracy and completeness of the information of a letter sent to Equifax on  XXXX . They sent letter back asking for identification and I sent that on  XXXX  ; however they did not send what I requested  Method of Verification  for Chapter  XXXX  bankruptcy. I sent another letter on   XXXX   stating that I sent the identification and that I wanted my request answered. Again they sent letter asking for identification again. How many times can you give them identification? This time I told them I would report them to the FTC and their website led me to you. As of today which is  XXXX  I have not received my answers to the aforementioned request.   Since there is NO LAW that the bankruptcy remain on your report for 10 years ; at least I have not seen one than it should be removed. if you can find that law please send it to me. The other two credit bureaus removed the bankruptcy and evidently Equifax refuses to provide the information I am requesting. With that being said the bankruptcy needs to be removed since it was  discharged  and I have not received the answers to my request. I believe they are stalling because they do not have that information. Hopefully you can intervene and find out why they  will  not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a student loan through FedLoan Servicing. I 'm currently on an income based repayment plan . Income based rep ayment plans need to be recertified every year, in order to verify income and determine how much the repayer is able to pay in monthly payments.     On  XXXX   XXXX , I got a notification e-mail telling me that I needed to recertify my income by  XXXX   XXXX . Therefore, on  XXXX   XXXX , I submitted an application to renew and recertify my repayment plan with studentloans.gov, a site maintained by the Department of Education to apply for income based repayment plans and verify income. Because of security issues, studentloans.gov notified me that, until their security was upgraded, I could not submit the form online, but that I should fax the completed form and a copy of my most recent tax return to FedLoan Servicing.     I faxed my completed tax return and form on  XXXX   XXXX . On  XXXX   XXXX , I received an e-mail from them saying that my form was received, and that, within  ten days, they would review the application and let me know if they needed additional information.      On  XXXX   XXXX , having not yet heard from them, I contact ed FedLoan Servicer 's phone center to check on the status of the application. The representative told me that th ey had received my application, and that they might have the application reviewed by  XXXX   XXXX , but the latest it would take them would be  XXXX   XXXX , and I 'd receive a response by then, On  XXXX   XXXX , I contacted their phoneline again to check the status. Another representative informed me that reviewing my application could take up  to two billing cycles ( two months ), and that I would just have to wait. I reminded them that my reduced repayment rate was due to expire and that, if it expired without recertification,  I would have to pay the standard rate ( I 'm paying about {$120.00} a month now. The standard rate would increase that to about {$570.00}. ) She told me, if that were the case, I 'd just have to pay the standard rate until they reviewed the paperwork.     After I got off the phone with them that day, I sent them a message through their website explaining the situation and asking when my paperwork would be reviewed, but I have not yet gotten any response.     As of yet, they have still not recertified my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had financed with fifth third bank with amount of {$16000.00} for  XXXX   XXXX   XXXX . This financing on  XXXX   XXXX .  XXXX  monthly  XXXX  with late fees it would be {$320.00}. I found the loan was  XXXX .!!!!!!!  Want  more explain for this intersting. When I counted my payment it 's above {$1500.00} roughly. Paid off {$7000.00} with late charge {$340.00} and {$350.00} with last month of paid off before  XXXX   XXXX . I talked with them and how to calculate this payments they did n't explained or cerified my right. This financial institution I am not trust their process of this loan payment since I was starting my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   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 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On  X/XX/17 , I ente red into an agreement with  Professional Finance Corporation att orneys in court to pay a debt in the amount of {$550.00} ( {$410.00} principle, {$55.00} interest and {$130.00} in court costs  ).  This agreement was approved by the presiding judge and agreement signed in court. This amount was paid in full through bank account deductions of {$100.00} eve ry two wee ks. On  XXXX   XXXX , I received a letter from the attorney that I had worked with on this stating the payment was made in full. The issue is that they did not stop taking out funds, but continued taking money out of my bank account after the full amount of {$550.00} was satisfied, and as of today they have taken a total of {$700.00} from my bank account, which is {$140.00} more than the court ordered amount, and this would appear to be illegal in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: SC

Complaint narrative:
O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.

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 2017-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed  XXXX   XXXX  a number of times with Equifax  XXXX   XXXX . None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a  FULL  investigation I demand that the results be made available to me within  Five days. This needs to be expedited, all   XXXX    CRA are in violation of the l aw. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: CA

Complaint narrative:
I am concerned w  ith two things regarding Synchrong Bank.
# 1 The envelope they sent to an incorrect address, this address is a family member 's house, but not my address.
# 2 The Envelope contains various FDCPA/RFDCPA Envelope Violations. 15 U.S. Code 1692f ( 8 ) # 3. Please see attached letter request, waiting for a response from Synchrony Bank.
15 U.S. Code 1692f ( 8 ) - Unfair practices. Using any language or symbol, other than the debt collectors / creditor 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Please find the burden of proof attached.
I do n't wish to litigate this matter, but I would be entitled to {$1000.00} in statutory damages at the very least and attorney fees should this matter not be resolved in a timely m  anner by synchrony bank.

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 2017-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On    XXXX   XXXX     2017   I  called Convergent Outsourcing and spoke to  XXXX   XXXX  ext  XXXX .. I explained to him that I a collection account on my credit report and need explaination of the debt due to me trying to buy a house I was needed to resolve this. He told me of the sum of {$730.00} and offered me a settlement of  XXXX .. I explained to him that I would like for some documentation showing the debt and where the charges came from because I was unaware.. he explained to me that he would send me documentation to verify the debt in the mail. I gave him my mailing address and said that I would be in contact with him after receiving the documentation. I gave it more than 45 days to receive and never receive anything. I then proceeded to dispute this with the credit bureau because I do believe that this is unjust and after I disputed this with the credit bureau I received a letter from Convergent stating " Based on the information you provided us for your credit reporting dispute we have completed our investigation and reported back to the credit report agency '' ( letter attached ). VERY vague letter and not at all resolving the issue. First and foremost this debt was NEVER verified as a debt of mine. Second of all  XXXX   XXXX   (  rep for  Convergent   )  did NOT follow protocol in sending information to myself the consumer with the information regarding the charges and balance. And also, there was NOT information given to the credit bureau except that it belongs to me and that is untrue. Fair Credit Reporting Act states that if ask the creditor or collect agency has to give documentation or proof of debt if ask by the consumer. It is unlawful for  Convergent  to demand payment on a account that the y have YET to p roof any information to me. I 've been a victim of identity theft and I 'm all to familiar of how this goes. I need this resolved as soon as possible in order to continue the process of purchasing a home for my family. I 'm requesting th at Convergent  send ALL documentation verifying the debt from the original creditor and in the event that it is invalid that the account is closed and deleted from my credit report from all agencies.

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