vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was in an automobile accident on XX/XX/2019 and because of my injuries I was out of work for several weeks. since I was not working during that time, my account went negative because my bills were on auto-pay. I was in the process of getting a personal loan to help get my account out of the negative and to have an extra cushion for my upcoming bills when out of nowhere and without warning my account with JP Morgan Chase was closed. Ive been a customer with them for 7 years and they refused to give me any information as to why they closed my account. And now, because of this closure, I am being blocked from opening any new account. I feel as though I am in a nightmare, not only was I in a horrific car accident, but now my bank is putting me in an even worse situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I paid through friends and family on pay pal to a XXXX XXXX on XXXX but XXXX XXXX on pay pal for concert tickets to a sold out breaking XXXX XXXX in XXXX Arkansas on XX/XX/XXXX that she never delivered digitaly like she said she would. I sent {$55.00} dollars plus Paypal collected. XXXX $ in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019. 

My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX  although I have lived in XXXX  since XXXX. 

I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Porania, LLC
State: CA

Complaint narrative:
We filed for bankruptcy back in 2010, years later we won a court settlement and paid off our bankruptcy through the court settlement. the bankruptcy still shows open on our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a charge off from Synchrony Bank XXXX XXXX XXXX XXXX XXXX in the amount of {$1700.00}. This account was sold, to my knowledge, to XXXX XXXX collection agency as far back as XXXX 2019. I am in the process of paying this debt in full with XXXX. At the present time Synchrony is still reporting on my credit report that I owe them after sending numerous certified letters.

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 2019-09-08 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
This was a Private Student loan that was issued by XXXX XXXX, and now NYSHESC is garnishing my salary for this loan. NYSHESC has never taken any legal action against me to retrieved the funds, and the statue of limitation has been expired over 16 Years ago. NYSHESC does not owned this loan nor was it sold to them. I have send numerous letter to them and they have disregard them. For garnishment Process. Unlike federal student loans, a private lender must proceed by filing a complaint on the defaulted student loan in federal or state court. That means typically the borrower will receive personal service of the summons and complaint, with an opportunity to answer, raise defenses, and appear in Court. This never happened. They are trying to collect on a loan that they do not own. Private student loans can not directly garnish wages without a judgment. So, for a private student loan servicer or collection agency to garnish your wages, that entity must first sue you and obtain a judgment. Guaranteed student loans ( e.g. federal, state, or non-profit guaranteed loans ) can directly garnish your wages without a judgment. there are no Judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
A law office try to charge me for a service that l don't really know about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I had this credit card with HSBC for some time now, which I very rarely use. Last I used this card in XXXX XXXX and charged {$110.00}. They stopped sending me monthly card statements. As I did not receive any statement since XX/XX/XXXX till now, I did not remember the balance amount. They sent me a collection notice in XX/XX/XXXX saying that I owe then {$79.00}. I called their customer service to ask why this is in collection and why I did not receive the statement. They mentioned that there was a returned statement so they stopped sending the statements. I paid the full amount and confirmed the address. They promised that they would start sending the statement. Again I did not get any statement, but received another collection notice, this time indicating that the balance I owe {$77.00}. I paid that on XX/XX/XXXX assuming that now I am paying the full amount. But again on XX/XX/XXXX they sent me another collection notice stating that this time I owe {$77.00}. I called them today and found out the total charge was {$110.00} in XXXX XXXX but as I did not pay I was charged interest and though the statement says I owe only {$77.00} I actually owe {$110.00}. I paid that amount fully today over the phone and asked them to close the account. 

My problem with HSBC is that they were not sending me the monthly statements and kept charging punitive interest. If one  of my mail was returned ( I don't know why that will happen, as I this is my primary residence since XXXX and I get all my mail here ) why did not the back try to send me an email or tried to contact over phone. They have both my phone, and email on their file. Secondly, if they say they could not deliver the statement, how is it that they are able to mail me the collection notice at the same address, which I have received every time. 

With their not sending me the billing statement and keeping me in the dark, I had to pay a total of {$270.00} for a purchase of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
XX/XX/XXXX I settled and paid on BMW Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that BMW is stating that the payments are reporting correctly per BMW. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
This company has reported a charge off on my credit report. I paid this account in full through a wage garnishment. Garnishment stopped when it was paid in full, yet it is now listed as a charge off. When I called the company, they state the debt was not paid XXXX full and garnishment was stopped in error. This is absolutely NOT true. I want this charge off and all bad reports from this company removed from all of my credit reports

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 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I would like to open a bank account which is essential to my financial health. I was able to unfreeze easily with XXXX and XXXX. However, with Equifax, I am unable to unfreeze my account despite calling and using the website. I will need help from Equifax to avoid incurring personal financial damage due to Equifax 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
I did not notice that anything was wrong with my student loans until this morning. I have paid my loan payment through auto-payment for years with the exact same checking account. No information for my checking account has changed. I never received statements from Campus Partners, who was previously my loan servicer until XXXX/XXXX/19. The only info I have received in years, other than tax forms, was notice recently that my servicer was changing. I have gotten no emails, phone calls, or paper bills. 

This morning, I happened to get a notice from one of my credit card accounts that my credit score had changed. I pulled my credit report and discovered my score has dropped from an XXXX to a XXXX! I looked into the details and noticed my student loan payments through Campus Partners were marked as delinquent. This is the first and only time I was made aware of this, and only because I pulled my credit. {$140.00} has been debited from my account automatically on the 15th of every month for years. I tried to access my account on the Campus Partners website to see what was going on, but I no longer show as having an account with them. I also can not access my account through the new servicer. 

I called my bank XXXX XXXX XXXX XXXX XXXX to see if they could help me figure out what happened. They said that they show zero efforts from Campus Partners to draft my account since XXXX of this year. There were no NSFs on my account. Ive had plenty of funds to make the payments every month. Campus Partners simply didnt do what I asked them to do and auto-draft the payment, nor did they tell me it was no longer set to autopay or that payments were late. They simply waited nearly 5 months and then reported me delinquent. Had my credit card not told me my credit score changed, I would still not know. The last draft on my checking account was on XXXX/XXXX/19 for {$140.00}. My bank said theyd be happy to provide info showing that no attempt was made to draft the funds and that no payments had ever been denied. 

Im happy to pay every penny I owe, and I would have already done so, if Campus Partners had told me there was an issue with my payments. Ive never been delinquent on any debt in my life. Ive responsibly paid on this student loan for over 10 years, and I feel it is wrong for them to treat me this way. Ive spent years building my credit score of over an 800. This is simply unethical, and I ask for your help in resolving the issue and getting my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX is stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.

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 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XXXX/XXXX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XXXX/XXXX/2019 on all three credit bureaus.

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 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed my Capitol One credit card account early XXXX and paid it off on XX/XX/30. I paid the entire balance of {$1700.00}. Now they are charging me interest of {$29.00} on a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
someone opened up bank accounts in my name and now im unable to open any bank accounts im an victim of identity thief

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
im an victim of identity thief and someone opened this account in my name and I tried to dispute it with the bank because this account isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This was workers comp case that should of been taken care of and paid off a year or longer ago.. this case was handle by workers comp insurance, the second time Capio partners damaged my credit. I contacted my lawyer, all debt has been paid. Fast forward 10 months later and I have a derogatory mark dropping my credit by 20 points. Saying I owe funds for the third time. Horrible company, please someone investigate them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX opened a balance in the amount of {$2900.00}. This is an apartment community in XXXX, Ohio. I called the apartment community and their corporate office and they said they had no record of me living there. I told them this charge was appearing on my credit, I asked them for proof of residency. They do not have it. I also asked for proof of my identification and signature on the lease agreement, they didn't have that either. 

The charge is for a month of rent for the fall of XX/XX/XXXX per the collection agency, but the apartment complex knows nothing about it. In the fall of XX/XX/XXXX I lived at another apartment community that I worked for. I have witnesses with my previous supervisor and records showing my dates of residency. I never occupied an apartment at XXXX at XXXX XXXX. When I spoke to someone at their corporate office they said maybe it was identity theft, but again they have no lease or documents proving that I owe or stayed there. 

For the past five years I have completed paperwork to remove this debt, I have struggled to try to purchase a home or even lease an apartment. Everything has had to be under my husbands name. I need this debt removed, I never lived or even applied to live at this community and they have been affecting my credit score for 5 years for collecting a debt I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
someone opened this account with my information and I tried to get this removed already

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
someone opened this account with my information and also deposit checks into it I tried to get this dispute because I never opened and bank account with bank of America before

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 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
someone stole my information and opened this account im a victim of identity theft I tried to get this remove and was unable to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am filing a complaint with Navient Student Loan Service regarding my most recent payment dated XX/XX/2019. Their website under my account summary says I still owe {$95.00} for XX/XX/19. They also did not carry out my allocation request when I spoke to them on XX/XX/19.

OnXX/XX/19 I submitted a payment of {$1000.00}. The minimum balance due on XX/XX/19 was {$170.00} ( please see attached XX/XX/2019 pdf file ). 

I also called Navient on XX/XX/19 and asked them to allocate {$880.00} against Loan 1-01,  and {$110.00} against Loan 1-02. I was assured this would happen and that the website would update in 24 hours to reflect the allocation request. 

When I went to the website it says I still owe {$95.00} ( see screen snapshot from their website, pdf file Account Summary XX/XX/2019 ).

Company response to consumer: Closed with explanation