vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: CA

Complaint narrative:
I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a call from XXXX stating I needed to be at home within an hour to sign court documents and if I was not at home they would go to my place of employment. I spoke to XXXX XXXX who said I need to contact him before XXXX Pacific Time to provide them with my debit card if not they would proceed with criminal charges on an installment loan from Check N Go from about 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello- I tried opening up a bank account with a credit union today. However, I was told that I was denied because of information that was submitted to XXXX and XXXX. The information that was disclosed to them about me was that I did several fraudently transactions to try and get money. However this is not a true statement or reflection of my character ... I have NO arrests and now they are making me feel like I 'm a criminal. As I recall, back in late XX/XX/XXXX I was diagnosed with XXXX. I was in and out of the hospital. I ca n't recall any transactions that they are stating that I did. I would NEVEr do anything fraudently. Today, I was told that this would stay on my report for 5 years. My health is better and I 'm working now ( I am a XXXX and have been for almost 20 years except I had to leave for medical purposes ). I want this deleted from my file. This is not a true reflection of me. I have to thank XXXX for keeping me alive. I want to dispute this and I want this to go away quickly so that I can open a bank account. They do n't understand how hard my life has been sick I have been ill for the past 2 1/2 years. They also told me that I owed {$50.00} for bank fees ... not any fees that I took from them. I am deeply requesting that all of this is being disputed and that it gets removed from XXXX and XXXX as soon as possible. My next pay date is XX/XX/XXXX and I am desperately asking that all of this information changes so that I can have a fresh start. I do n't recall these transactions but I have young kids and I have overcame many obstacles since my illness. I should n't have to be denied opening an account and then BOA is putting information that is not only embarrassing to me personally but if they could have saw how the bank manager looked at me when I tried opening that account. Under FCRA, I do n't deserve to be looked upon this way and I also believe that if an account was opened and this occurred, that BaoA would have reached out to me and we could have come to a resolution.

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 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 I received a call from the phone number XXXX. The phone call did not feature a " live '' conversation- that is, I did not speak with a human being. The only message I received was " Hello. We are calling about a pre-legal matter. If you have retained an attorney, have them call us at XXXX. Thank you. '' I called the number back immediately after the call disconnected and received a message of " Hello. NO one is available to take your call. Leave a message and someone *may* return your call as soon as possible. '' There was no identification of who the company was, nor was there an option to speak with someone. I researched the number in question and found the company to be a company named the " Northeast Collection Bureau. '' I do not have currently, nor have I ever had in my possession any documentation from this company proving any kind of debt. I am offended by their attempts to contact and feel that, the nature of their phone call ( " this is a legal matter, you will have your attorney call us immediately '' ) is both harassment and extremely threatening. I WILL NOT BE THREATENED BY A COMPANY THAT IS TOO LAZY TO PROVIDE PROOF OF THE EXISTENCE OF A DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau
State: MI

Complaint narrative:
This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: OK

Complaint narrative:
For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Century Financial Services, Inc.
State: CT

Complaint narrative:
I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Reverse Mortgage Solutions, Inc.
State: WA

Complaint narrative:
In XX/XX/2012, my father ( now age XXXX ) applied for a reverse mortgage with XXXX ( XXXX ). The contact at XXXX, only known by his first name of XXXX, repeatedly told us ( I am his daughter, age XXXX ) that the house would remain in the family ( heirs ) until the last person died, which would be my sister who is now XXXX. My father recently contacted Reverse Mortgage Solutions ( XXXX ) who told him that the property CAN NOT be passed down to heirs - this information was a surprise to him and upset him greatly. After looking through the original documents, we found out that XXXX sold the mortgage to XXXX immediately after my father signed the documents ( on XX/XX/2012 ), something that was NOT pointed out to him. 

We would like XXXX to abide by the original agreement made by XXXX that the mortgage be passed down to first me and then my sister. ( I was XXXX when the contact was made in XX/XX/2012. ) Lenders case number : XXXX FHA case number : XXXX Respectfully, XXXX ( XXXX on documents ) XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I signed up for a bank account with HSBC for a {$350.00} welcome bonus in XX/XX/2016. The promotion required that I use HSBC 's bill pay service twice a month for three consecutive months and maintain a minimum balance of {$1500.00} throughout. Upon completion of these terms, the bonus was to be deposited " 4-8 weeks '' after. 

I completed two bill pays each in XXXX, XXXX, and XXXX. At most, 8 weeks later should have been at the end of XXXX. By XXXX, no bonus had appeared. I have called on a weekly basis since early XXXX and each time a customer service representative assures me they are " opening an investigation with the back office. '' I have supossedly now opened 5 of these investigations but not a single customer service representative has contacted me with a resolution. Furthermore, each time I call for an update, no record exists of any previous contact and I am read the same script each time. I have asked to speak to supervisors and the back office directly but I am refused each time. Essentially HSBC is giving me the run around with no way to escalate or speak with anyone in a position of authority. 

I have documentation outlining the promotion and proof of having used the bill pay service. Furthermore, I recorded a secure chat conversation with HSBC where the representative confirmed I had met the conditions for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017, by certified mail in order to dispute information, in regards to 4 hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017, and they completed the request on XX/XX/2017. The request that I submitted included 4 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Inquiries XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: ROC Asset Solutions, LLC
State: OH

Complaint narrative:
I received a call from a man identifying himself as XXXX XXXX. In the voicemail message he said he was calling from API. However in the next message he said it was Regency One XXXX. I did return the call once he wanted me to verify some information. Then he says well have " they '' contacted you. I asked who is " they '' and he said well I 'll tell you that later. Then he asked again, have " they '' sent a letter. Since I refused to respond anymore without know who " they '' were he told me it was XXXX XXXX XXXX. Then he states that his company is looking to forcibly collect a debt and will do so be either wage garnishment or placing a lien on my current vehicle.When I asked how would you place a lien on a vehicle that has nothing to do with this company or this debt he said well I do n't know m'am but they are looking to forcibly collect this debt. I explained to him that I would then contact the company directly and discuss this debt with them at which point he states that 's not going to work and that I have to pay them. I politely got off the phone. I did attempt to email the company he spoke about but as of right now I have n't gotten a response. He also contacted my mothers home and asked to speak to her. He would not provide any further information about his company ( i.e. contact/mailing info etc. ) And I 've attempted to find information on my own and have come up with 2 possible addresses and 3 phone numbers

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had a credit card through US Bank. I contacted the credit card company after paying off the full amount on the card. I then contacted US Bank directly to make sure that there were no issues and that the card was paid in full and that I would never have to hear from them again, because I am fed up with their business tactics. I made the payment of the full amount due on XXXX/XXXX/2017, the payment posted on XXXX/XXXX/2017. Today XXXX/XXXX/2017 i got an email from US Bank saying that I now owed them {$24.00}. I called them right away to find out why. The CSA told me it is for interest on cash advances. I said how can you charge me interest on an credit card that I have paid off in full, verified with US Bank that it has been paid in full, and has been closed? She tried to tell me that interest is accrued daily for cash advances. I told her that was wrong because everything was verified as having been paid in full and the account has been closed, I insisted that interest can not be charge on a closed account that has been paid in full. She continued to regurgitated talking point about company policy. So I interrupted her and said she needed to do something because I am NOT paying a bill on a closed account, especially when these fees have been added AFTER account was paid in full and verified as being so, AND has been closed. She said she could do a " one time '' courtesy refund of the fees. I said " what do you mean on time ''? I said this account is closed and if you continue to bill me you will refund the money every time! She said i will probably receive a more statements with amounts due on them. This is very shady! I have a high school friend that states her daughter is having similar problems with US Bank! US Bank has never been customer friendly, and after utilizing there services for 10 years, i moved my account to a credit union. When I closed my US Bank account the teller asked me why I was closing them, I told her that there is ZERO benefit to me having my money in US Bank. She just shrugged her shoulders and thanked me. 
That seems to be their whole attitude. 
I worked my XXXX off to pay off this credit card and US Bank just keep trying to XXXX me dry!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received an email from Simple, the company that handles the accounts for BBVA-Compass bank. The email informed me that my prepaid account with them had been suspended because of an outstanding bill in the amount of {$700.00}. This was both perplexing and angering for three reasons of import : ( 1 ) I have never had a bank account with BBVA-Compass, other than this prepaid debit card, and have been unable to find any listing on the two credit reports I checked ; ( 2 ) I am perplexed what that bank has never made any attempt to contact me directly instead of using their surrogate, especially in view of the fact that I have had the Simple card for well over one year ; ( 3 ) I have all the communications I have received from Simple, but nothing from that bank ; I can forward those to you if you so desire. I have subsequently closed that account, especially after being told that I can never, ever again have a Simple debit card account. Any clarification you can discover in this obviously incompetent debacle will be appreciated. For certain, I have NOT had an account with BBVA-Compass Bank, for do I owe it anything ; quite the contrary! Thank you, XXXX XXXX, XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.

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 2015-10-28 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Consumer Asset Management (Texas)
State: TX

Complaint narrative:
Collection agency rep ( XXXX XXXX ) contacted me by phone and was very aggressive and rude stating he was preparing to file a lawsuit against me and that my employer would be contacted and my wages garnished unless I paid them {$10000.00} immediately for a vehicle reposessed in 2005. XXXX XXXX also stated he would sue my wife and notify her employer as well. Was contacted by another agency rep ( XXXX XXXX ) who stated I had to pay {$10000.00} in 24 hours before my case was submitted to a court and that I would have my wages garnished and a lien placed on any tax returns and property. XXXX XXXX stated she could accept a lower payment of {$3500.00} but it would have to be sent to them within 24 hours. XXXX XXXX identified the agency as Consumer Asset and XXXX XXXX stated the name as XXXX XXXX. Both agencies have the same address and phone numbers. Both stated that letters had been sent to me via mail but I have not received any letters from either agency named describing a debt of {$10000.00}. Contacted a local attorney who advised me the agency was violating Federal and State laws concerning fair debt collection as the the debt was time bared and threatening to file a law suit was illegal and I should file a complaint with the FTC and the State Attorney.

Company response to consumer: Untimely response