vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I received multiple calls from the company, Southwest Credit Systems, after multiple harrassing phone calls I spoke with a rep and was told I owed a debt and immediately asked how I wanted to pay, I was never asked if the debt was mine nor was I asked about disputing. I know the laws so I informed the rep I am not aware of the debt, I was disputing it and requested verification. A few days later I received a letter from Southwest, again stating I owe them a debt and I had 30 days to dispute the debt in writing even though I had already disputed and requested verification. I sent them a response letter days later and stated in writing that I was disputing the debt and again asking for actual verification and I informed them that a simple letter from them stating I owe a balance was not sufficient verification. They have not provided any verification but have now started reporting the alleged debt to all 3 credit agencies and they have " re-aged '' the alleged debt stating I have an account with them opened this month. This is complete fraud, false informing, harrassment and blantantly illegal as they are aware of all these violations and clearly have no verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im writing to re-open the dispute with XXXX-XXXX XXXX charge posted in my Chase Sapphire Preferred account XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$440.00} USD. 
XXXX DID NOT provide me with the service and car quality expected from a car rental company. 
I rented a car from XXXX in XXXX on my winter break with my family ( XX/XX/XXXX-XX/XX/XXXX ). The car failed to start on the day of my return flight which made me miss my flights which led me to incur added expenses for new flights. 

I contacted XXXX Corporate Office to report this issue and they contacted XXXX in XXXX. XXXX XXXX XXXX in XXXX refused to refund me the cost of the car rental. Ive proceeded in good faith to resolve this with the merchant to no avail. 

I object to the XXXX-XXXX XXXX charge. As a credit card consumer ; I exercise the right to have this charge removed from my bill afforded by the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was at an appointment in a clinic between XXXX and XXXX, on XX/XX/2020, when I received a fraud alert for the credit card I had just used for travel. There were three alerts, two saying an attempted cash withdrawal of {$400.00} was declined, and the third saying an attempt to withdraw {$800.00} cash was approved. Another text asked me to respond yes or no to me having attempted the three transactions. I responded no, and I immediately received a text saying my credit card was restricted, and a number to report to the banks fraud department of what happened. They immediately credited my account and sent me a new credit card. Three weeks later, on Friday XX/XX/2020, they said the dispute was reversed because my credit card chip was read and my PIN number was used for the transaction. I told the representative my credit card was in my pocket at the time the transactions were made, and the last time I had used the card was a few days earlier in XXXX California, on Thursday XX/XX/2020. I also informed the bank that I was only using the card for international travel, as of late. The representative told me the charge would be reversed and I would not have to pay it, but it remains on my statement along with a new interest charge for the transaction.

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 2020-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have written several letters to Equifax to have 5 collection accounts removed from my credit report. The accounts have been paid in full. The collection agency has reported to all.3 bureaus. XXXX and XXXX have removed all the accounts accordingly, however, Equifax has not and has not responded to any of the multiple letters I've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TX

Complaint narrative:
On XX/XX/2020, I called Experian to dispute a collections account reflected on my credit report by XXXX XXXX XXXX   XXXX. I informed the Experian customer service rep I spoke with, that I was disputing the account because the charges reflected on my credit report are for pest control treatment which I am not responsible for, and which my former Landlord ( XXXX XXXX ) is responsible for. Subsequent to the phone conversation with Experian, I uploaded a document on Experians site which outlined the reason for my dispute on the account. On XX/XX/2020 I was notified by email that the dispute Investigation had been completed. I logged into my Experian account and saw per the results that the information I disputed was verified as accurate. This came as a surprise since other credit bureau reporting agency completed their investigation and deleted the collections account from my report based on the same information I provided Experian. On XX/XX/2020 I called Experian to get further details on how the investigation was conducted and how the decision was arrived at and I was informed by the Experian customer service rep that I disputed the account as a paid account and the information was sent to the collections account who verified that the account remained unpaid. I immediately told the Experian rep that the wrong information was noted as the reason for my dispute. I asked him if my file at least had the document I sent and he reviewed my file and confirmed that the document was received but he was not sure why the right information was not recorded. He then apologized for the mix-up. 

Experian has not carried out its due diligence in investigating my dispute and this is concerning. First, the wrong reason for my dispute was entered by the Experian representative who initiated the dispute over the phone. Secondly, I submitted a document which clearly outlined the reason for the dispute, however no-one at Experian cared to read the document. Experian has not carried out any due diligence in correctly documenting the reason for my dispute or properly investigating the dispute and continues to report the collections account as accurate.

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 2020-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I stepped into the branch to speak to a representative regarding transactions that will post to my account. Currently, I share a checking account with my husband. There were two items in which were coming out our account ACH. I explained to the representative that I contacted the company to stop the ach. And remove the automatic debits. I was informed my husband would have to do it. I explained that my husband is in the hospital and unable to contact them. I was told by the chase rep it was nothing I can do. Thus, I ended occurring 3 overdraft fees because of this. 

I know have a power of attorney document that was presented to the company and the account is no longer on automatic withdrawals. The chase representative should have offered me a solution. We receive XXXX checks that come in the mail and sometimes they are late and this is what happened. I went back to the branch and asked if they could waive the overdraft fee and they said to call customer service. I called customer service and they said no

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
my taxes were garnished without me receiving any notices or phone calls about going into default. i got one email XX/XX/2019 saying my balance was due.i no longer can log into that email, i assume i would beg a call or something if my account was being taken into default nobody reached out to be a payment. Then i have loans on there that i havent even used. And a refund on there i did not receive. this is really ridiculous and i am now trying to figure out how to get my money back because i have XXXX   small kids and no money. a part time job, doing XXXX  and XXXX XXXXs on the side so i can pay my expensive rent. to put me in an offset but NEVER MAIL A LETTER IS COMPLETELY OBTUSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
XXXX XXXX has wrongfully placed this debt, they have absolutely no proof that I owe this bill. They have failed to provide me with billing address, and billing dates of the alleged place of service. I also ask for a copy of the contract that was signed to initiate these services and I have not been provided with one. Also, I want to know what where the services provided for this amount in question. I have not gotten any answers to these questions or documentation.

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted capital one in XX/XX/XXXX as I was laid off. On a recorded call, I made capital one aware that I was still fighting to get unemployment, which was just approved this week on XX/XX/XXXX, and I could only pay $ XXXX/month. Granted one of the agents was an overseas agent who may not fully have understood my request, which is why the jobs shouldnt have been outsourced as they do not fully understand what theyre agreeing to and it harms consumers later. She walked me through signing up for a payment assistance plan for 90 days. However, capital one marked my payment late and is reporting late for an amount of {$230.00}. I can not pay that much money. While the unemployment was finally approved, I also received a new job offer. And they didnt back date my unemployment to the date of lay off because my separation letter had a XX/XX/XXXX date. As much as I would like to pay more than {$50.00}, I can not. I have to now pay my rent which is over {$1000.00}. The lump sum from unemployment will only be for three weeks, so thats only {$820.00}. I will not start my new role until XX/XX/XXXX, which means I wont get a paycheck until XX/XX/XXXX since I start in the middle of a pay period. 
I called capital one last week on XX/XX/XXXX to inquire about the status of my account. I spoke to a supervisor XXXX with ID # XXXX. I explained to her the call was recorded on my end and capital one end so my info can be verified. She denied reducing my monthly payment even after giving her the facts. 
I also called XXXX in the executive office and left a VM. She never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Purchased an appliance from Sears in XXXX, Texas. Total cost, {$380.00}. Sears,  without my approval transferred my account to Shop Your Way MasterCard in XXXX XXXX, SD. Received account statement & an unsolicited MasterCard from this company. I did not request a MasterCard & never used it. 
Payments indicated ( correct balance due ) & {$28.00} monthly payment, first payment due on XX/XX/XXXX. I sent a bank check for {$84.00} to Shop Your Way, with the notification that I was paying the first three ( 3 ) months in advance, XX/XX/XXXX., XX/XX/XXXX., & XX/XX/XXXX.Company REFUSED to accept " Payments in Advance '', and notified me my next {$28.00} payment was due on XX/XX/XXXX. I notified Shop Your Way, in writing that I did not agree with this venal response, and my next payment was due on XX/XX/XXXX! 
Received statement from this disreputable cabal that I was being charged {$28.00} for " LATE PAYMENT ''! I did not make a XX/XX/XXXX payment, as it was paid in advance, I did not make a XX/XX/XXXX  payment, since this had been paid for in XX/XX/XXXX.

Statement from this sedulous company now claims I owe for three ( 3 ) " Late Payment '' charges. My correct balance due to Sears, not Master card, was {$300.00}. I mailed a bank check to this disingenuous company on XX/XX/XXXX, for {$300.00}, with the notification that this was PAYMENT IN FULL on my SEARS balance.

Shop your Way has refused to cash this check, Shop Your way employee and his supervisor have refused in a telephone conversation to inform me of my balance.

This is an example of the continued obstinate conduct of Shop Your Way MasterCard. 
I have paid the entire balance due for the purchase of an appliance from Sears. 
I did NOT sign any agreement with MasterCard, and I believe that I have paid my balance due in a timely manner.

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 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
In XX/XX/2020, I was contacted by Amsher collections regarding my XXXX account. I was offered a settlement or a payment plan option. I was told given my timely response with them, setting up a payment plan would prevent this debt from being added to my credit report. So, I set up the payment plan. Two payments of {$67.00} each processed through my bank on the dates I arranged. Suddenly, on XX/XX/20 I get a notification that this account was added to my credit report and did not include the original balance nor did it show the payments I already made on the account. Additionally, this was not what I was told would happen with my account. When I called Amsher about this, I was told something completely different. I also NEVER verified for the auto pay payment plan I set up to be canceled, but considering I called and complained about their practices they withdrew my payment plan anyway WITHOUT my verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Trying to get PMI off my Fifth Third Bank mortgage. I have called them about it 2 times in the last 3 years. and they just say no! I have to get original loan down to 78 %. But I explained to them that the housing market is way way UP! and i shouldn't need it anymore. I have 2 home mortgages with them and a excellent record .Especially since I have been a good customer for 30 years and never a late payment or bounced check.. It's clear they just like to make ME pay PMI and they get protected. what's up with that? I think I should be refunded for the last 3 years because, fairly I don't think the loan has needed it. Now I am {$6000.00} away from that officially .... but paying it for years unneeded. Today its XXXX estimate is {$160000.00} and i owe {$94000.00}! ... it seems to me they are so greedy. If something happened they could easily get the money they need and they should know it! if they were a ethical company they should of taken it off at least temporarily while my home value is high. they don't intend to, they sent me a letter showing me a document I signed and IM stuck! very " hold to contract '' feeling I get. and they claim to care about people? but pmi is unneeded? I think i've paid enough pmi payments for the last 20 years at least but never missed a payment on my 2 mortgages ..I don't know maybe it's an oversite? it seems to me they should of taken that stuff off a long time ago..and the Escrow account bounces all over the place but that's another issue. shouldn't i be trusted by now to pay that on my own taxes and insurance? OH well, I guess have to be still on probation? : ) Makes me never want to finance anything ever again..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SD

Complaint narrative:
I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. 
Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX  id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need.

Company response to consumer: Closed with explanation