vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was in a car accident. I called Chase they informed me to give them information to insurance company and hold payment until deemed totaled etc. XX/XX/XXXX it was deemed totaled but only covered a portion of the note ... .. {$9400.00}. The gap insurance covered a couple hundred dollars as well leaving me with a balance to be paid about 1400 I did not have out of pocket. So they said the $ XXXX payment did not count as a payment and continued to report to the credit as late and charged off the account. without giving me the option to make small payments thus resulting in this dinging my credit report from XX/XX/XXXXthrough XX/XX/XXXXand now I am unable to get an auto loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques
State: CA

Complaint narrative:
XX/XX/2018 RE : Hunt & Henriques XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct : ending in XXXX Dear Consumer Financial Protection Bureau : I am writing in response to a debt collectors threatening letter, dated XX/XX/2018 ( copy enclosed ) about the above -referenced account ( XXXX ending in XXXX ) I have explained to the debt collectors demand, how I can not balance this request. Ive expounded on my position, as explained in my letter to Hunt and Henriques, XX/XX/2018. This is a permanent situation, not only medically, but because of our listed ages ; my wife will be XXXX in XXXX and I will turn XXXX in XXXX. In addition, our only source of income, as I explained to the debt collators, is Social Security and our pensions and my Veterans Medical Benefit. I explained to the debt collectors that we have no attachable income. My stated notice to the debt collectors is covered in the Fair Debt Collection Practices Act, 15 USC 1692c. 

( c ) In accordance the above-referenced act, I have asked XXXX ( twice by phone and once by letter ) and the debt collector twice by letter ( enclosed ), to cease and desist. 

In addition, I explained in detail and forwarded several copies of my wifes diagnosis of XXXX and how our finances are affected by medical charges and other financial obligations. 

I am asking that the debt collectors cease in their efforts to further contact me and to stop any attempt at legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve 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 2018-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted XXXX/resurgent To pay the XXXX that I owe for a XXXX account. I asked that if I would be able to have a pay to delete done and I was told no they would accept payment but this would still show negativity and would not remove from my credit. I just want to pay this have it completely removed from my credit and move on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Xapo, Inc.
State: CA

Complaint narrative:
purchased bitcoin using this merchant XAPO, received email after a week hold that bitcoin is available in the account. Afterwards tried to login to access funds and my account is blocked. XAPO verified my balance is in the wallet but wants me to send bitcoin so they can adjust the account and take all my bitcoin. Also lied and gave me misleading information that I owe them money and won't provide requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: NY

Complaint narrative:
Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
There are 9 medical bill from XXXX XXXX XXXX   hospital that have been sent to Kings Credit Services dating from XXXX to XXXX that should of been billed to XXXX. My daughter and I had insurance and we were seen several times over those 2 years yet these bills were still sent to collections. I have submitted proof from XXXX stating we did have ins. I also sent a letter from where we were see ( clinic ) showing proof we had ins, yet their billing dept says otherwise. Their response to this was they never received ins information, yet they were. I have tried several times to resolve this issue since XXXX. Their notes state that ins was never turned in but we seen them throughout out stay in XXXX and that was 2 years. I know that proof of ins was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: ERC
State: MI

Complaint narrative:
I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called XXXX to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: CA

Complaint narrative:
I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a XXXX XXXX credit card, that I have never been late on, ever and recently just paid off. I was notified that my credit limit was decreased. When I called to find out why, they told me because of serious judgement, which was my bankruptcy but they knew this when they approved me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
A single {$480.00} credit card charge to XXXX ( XXXX XXXX XXXX ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from XXXX. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The XXXX credit card was closed by XXXX XXXX and this has probably damaged my credit. I will never do business with XXXX again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like XXXX/XXXX  XXXX allows this kind of behavior that could cause serious damage to those less fortunate than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: NY

Complaint narrative:
XXXX  XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit. 

I was told that this would be removed from my age of credit as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
No I idea who this company is I personally did not have an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: FL

Complaint narrative:
A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CT

Complaint narrative:
Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.

Company response to consumer: Closed with explanation