vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am an IDENTITY THEFT victim. A family member, who is now deceased, used this credit card to pay off debt on other credit cards. He committed suicide in XX/XX/XXXX. I have sent detailed documentation to XXXX and their first collection agency, XXXX. XXXX ceased collection efforts, and now, even though I sent XXXX detailed documentation, including my report to the FTC, XXXX has hired another collection agency. This group says they have contacted me three or four times about this debt, beginning inXX/XX/XXXX, but I HAVE NEVER HEARD FROM THEM BEFORE THEIR LETTER OF XX/XX/XXXX. Why would they make such a bizarre claim? I do not know to what address they sent letters, but I did not get any from this group ; EVER until XX/XX/XXXX. I am XXXX, and my only income is SSD and a pension. I made a settlement offer to XXXX, which they ignored, and continue to come after me. I have had several XXXX XXXX XXXX, and XXXX relapses due to this harassment. I feel that I have no way out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XXXX I entered the bank of BB & T and they stated my account was BLOCKED due to XXXX ( XXXX XXXX XXXX ) this account was not my personal account this account is my business account. Source stated that it was due to check fraud. Back in 2015 I disputed all information regarding this fraud with proof of Identity theft and also disputed this information with XXXX XXXX and found that I was not at fault. XXXX stated that the did a dispute with XXXX XXXX XXXX to prove that it wasn't me and that the information that came back from them was accurate stating that I have two accounts with them. This information was inaccurate and even XXXX stated that the information was inaccurate. XXXX is owned by big time banks and XXXX XXXX XXXX  and BB & T are one of them. Now my business account is on block and I have important things to do. this is ridiculous that they would do this and I'm very upset.

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 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have had a very difficult time with XXXX XXXX. I am elderly living on a fixed income. With my family income, I can afford my mortgage. SinceXX/XX/XXXX, I have been trying to get a modification with PNC. Their system is very dysfunctional and slow. It can take days or weeks to get a simple answer from them regarding the modification. We have been in underrating since XXXX with 2 update  requests. We have asked PNC to place the foreclosure on pause while we go through our review. On the last request from PNC, we had to get an updated profit and loss from an accountant. Which is a 3rd party and not quick. We sent documents needed a few hours late and PNC is now kicking our file out of the review. It took 4 days for XXXX our representative to even tell us this. Now we have to file a possible bankruptcy all because PNC is a predatory lender, and the representative has done everything possible to backdoor our file into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
I asked Collection Consultants of California to stop reporting on a medical debt for 1 ) it violated HIPPA and 2 ) it was past the statute of limitations in California, which is four years, and they can not try to collect a debt that is beyond four years old. They have refused to do so and are still trying to collect the debt. Therefore, I am making another complaint against them. It is against the law to collect a debt that is beyond the statute of limitations and violates HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
1 ) On or about XX/XX/XXXX I attempted to open a checking account with Suntrust bank. I made a {$100.00} opening deposit from my current XXXX XXXX XXXX account. 

2 ) On XX/XX/XXXX, Suntrust bank stated that they could not fund my new account. On or about the same date, they returned my opening deposit in full to my XXXX XXXX XXXX Account. 

3 ) In or about early XX/XX/XXXX, I received a checking account statement from Suntrust bank. I contacted them via their online contact form notifying them that they had not opened my account. 

4 ) In or about early XX/XX/XXXX, I attempted to gain online access to the Suntrust checking account via their online banking service. On XX/XX/XXXX, they notified me that they were unable to open the account because they did not have all of the required documents. 

5 ) On XX/XX/XXXX, I received a checking account statement from Suntrust bank dated XX/XX/XXXX showing a - {$3.00} balance. The statement consisted of a {$0.00} opening balance, 0 transactions, and a {$3.00} paper statement fee. When I attempted to open the account, I opted for electronic statements. Further, Suntrust never opened the account or allowed me access to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I sent financials and a request for mortgage modification to Ditech mortgage for them to process. Ditech had all the requested documents but they foreclosed on my home while they were processing my modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi attempted to bill my full balance ( not the amount due XXXX to my bank account, resulting in 3 overdraft fees of {$30.00} each, so {$90.00} in fees. Citi additionally charged interest and additional fees to my account, which have already been refunded. I am seeking reimbursement for the fees resulting from their multiple, incorrect, and unauthorized charges. I have already spent several hours on multiple phone calls attempting to resolve this issue. Citi sent me a letter on XX/XX/2018 requesting documentation, but no address to send it to. I am providing that 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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: MO

Complaint narrative:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I XXXX XXXX sent my father {$550.00} 2 times through XXXX via mobile number XXXX From Chase to his Bank ( XXXX XXXX XXXX ). My father received confirmation XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX that my account will be credited but he never received the money. Called Chase said money went to the matching name and phone number and kept giving me a run around, transferring me from person to person as no one knew what to say or do. I have spend many many hours off work to try to handle this and still hasn't been resolved. It is a lot of money to me and I hope and pray you guys can assist in getting my money back. It has been 2 months of stress and I feel as I will be loosing that {$1100.00}. 

thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a bill from my XXXX credit card charging several purchases from the XXXX XXXX with a total of {$5400.00}. I did not make any of these purchases, and explained the fraud to XXXX, and closed my account with them. On XX/XX/XXXX, I went to Chase bank and then discovered that {$6500.00} was taken out my Chase account without notifying me, and that the money went towards the same XXXX bill from the fraud purchases from the XXXX XXXX. I informed Chase, closed my account, and notified the police. The police report said that the items were purchased with the XXXX card and money from my chase account was taken out to pay it off, and shipped to an address in XXXX, and they are still investigating it. XXXX has yet to refund me back my money, and told me that they need a statement from Chase confirming that there was fraud. Chase, however, refused to give me the proof even though I have contacted them multiple times all year since then, and because of this, I still have not got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
On XX/XX/XXXX I sent Transunion a signed, certified letter requesting them to send me verifiable proof ( an original consumer contract with my signature on it ) on four seperate accounts.

On XX/XX/XXXX I received a letter from Transunion showing investigation results. Three out of the four accounts where deleted and the last one ( amount {$46000.00} ) came back as " verified and updated '' which is illegal according to the FCRA An account can not be verified without providing me with an original consumer contract with my signature on it according to the FCRA. In other words, Transunion left an unverified account ( amount {$46000.00} ) on my credit report.

I sent another signed, certified letter to Transunion on XX/XX/XXXX requesting them to verify the unverified account ( amount {$46000.00} ). On XX/XX/XXXX Transunion send me another letter with investigation results " verified and updated '' without providing me with an original consumer contract with my signature on it which is illegal according to the FCRA.

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 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX representative " XXXX XXXX '' has called me at work on multiple occasions. If I am not working on a specific day she will contact my workplace everyday until she reaches me. The collection agency also has my personal number for which I have cooperated with them and attempted to set up a repayment plan to resolve my debt. I have asked that they do not call my work after setting up the repayment plan and XXXX XXXX agreed that she would remove my number. This is a matter that my colleagues at work should not need to hear discussed as it is embarrassing. After submitting my verbal request XXXX XXXX continues to call my workplace stating she hasn't been able to get in touch with me by phone. I always return her calls because I feel the need to remain complaint with my current arrangement however money is tight and I missed a payment for which has resulted in the collection agency calling my workplace in addition to my personal number.

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 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX : applied for home equity line of credit on line. At the end of the process I was prompted with the following message : " This message confirms that we have successfully received your application. Your Loan application information is provided below. Your application will be assigned to a lending representative within the next 24 hours. If you have further questions regarding the status of your application, please call XXXX and mention the below loan application ID number. We value your relationship and thank you for choosing Citibank for your credit needs. ". 

XX/XX/XXXX : Since no one contacted me, I called Citibank to follow up. I called the XXXX at XXXX XXXX and spoke with a representative who after providing her with my SSN, stated she couldn't find my application data that I submitted on line. I stated my concerns about : a- Protecting my private financial information I included in the on-line application. And : b- The impossibility of refiling on line again since I already used my email on the application she couldn't file. And : c- The possibility of a conflict which may occur if I filed over the phone or in person, with the now missing on line application data, which may cause future delays to the processing of my loan application. 
The conversation ended at XXXX XXXX, and the representative stated she will check with others and call me back. 
Since I didn't hear back from Citibank, I called again for follow up. I spoke to about 6 representatives who kept switching me around as if I was punished for asking where my information is. The shuttling around lasted from XXXX XXXX to XXXX XXXX - all conversation recorded by my security camera. The last person said she couldn't hear me! I spoke with about 6-7 persons from Citibank some were able to hear other claimed they couldn't, and I used the same phone in all calls I made.

My complaint is about not being able to apply for credit ( home equity credit line ) to an equal opportunity lender bank. I do recall the same harassing treatment from Citibank when I applied for my home mortgage in XX/XX/XXXX, and that I was only able to proceed, after complaining NYS banking department and to Citibank managers. As I wait your response, I intend on calling Citibank tomorrow and again try to reach a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX , XXXX from Portfolio Recovery Assoc. LLC. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XX/XX/XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XX/XX/XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XX/XX/XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XX/XX/XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.

Company response to consumer: Closed with non-monetary relief