vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Check Security Associates, LLC
State: MO

Complaint narrative:
A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My client has been trying to do a short sale however his tenant has not been collaborating. Actually she does not want anyone in the home because she wants to purchase the property herself. If you can send something in writing that tenants or previous tenants can not purchase the property that would be great. Anyway my client had to hire an attorney and go to court. Her lease expired in  XXXX  and she did not get out of the home! The judge gave her until  XXXX   XXXX  to move out but she is not collaborating with showings. I have another chase short sale and I know that it has to go through the modification process first before it goes to equator. Is there anyway you can start reviewing our clients paperwork while the tenant moves out and we can get you an offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  XXXX .

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 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The bank closed my account unexpectedly my payroll check was deposited into that account it 's been over a month and I have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harley Davidson Financial Services Inc
State: AR

Complaint narrative:
A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I have been receiving repeated calls by  Portfolio Recovery  since   XXXX   XXXX    2017 a t  XXXX . This company reported an account from   XXXX   XXXX    XXXX   XXXX   on   XXXX   XXXX    2017 in the am ount of {$1700.00}. This collection agency is in violation of FDCP A 809 ( a )  for not providing a collection notice within 5 days after initial communication. This was not done 5 days after the initial call, nor 5 days after reporting it to the  Credit  reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.

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 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
Collection agency has repeatedly called me after  XXXX  since  XXXX / XXXX / 2017 . I have called the company back on  XXXX / XXXX /   2017  and told them to stop calling me so late. The calls still continued. This is in violation of the FDCP A 802 ( a )  and the company has not sent me any notice after the initial contact on  XXXX / XXXX /   2017  when I spoke with them. Collection agency also did not tell me what this collection was for when I spoke to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
A COMPANY CONTINUES TO CALL ME FROM XXXX AND ASKS FOR A XXXX XXXX, WHICH I AM NOT. I HAVE ANSWERED THESE CALLS ( MANY TIMES - APPROX. 15 ), THEY SAY NOTHING AND HANG UP. I CALL THE NUMBER BACK TO FIND OUT WHO IS CALLING AND THEY ASK FOR A XXXX ( LAST NAME WITHHELD ). I TELL THEM EVERY TIME THERE IS NO XXXX XXXX. THEY SAY THEY WILL REMOVE MY NUMBER FROM THEIR CALL LIST, BUT STILL RECEIVING CALLS. THIS IS MY BUSINESS PHONE AND I HAVE TO ANSWER CALLS FROM POTENTIAL CUSTOMERS THAT I DO NOT HAVE ON CALLER ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
I have been contacted b y Hunter Warfield rega rding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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:
On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: CA

Complaint narrative:
On   XXXX   XXXX   my wallet got stolen out of my wallet on camera at  a Restaurant in    XXXX   XXXX  California. When I couldnt pay my bill cuz I had no wallet I immediately shut off all my cards and called the police as the bartender went into the back to review the security footage as she had remembered a suspicious man sitting next to me.. Police Report was filed , officer   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX  ) .On   XXXX   XXXX   the day after I turned off My prepaid California Child support  card wit h EPPICARD they allowed {$5400.00} in transactions to go through. When I realized this happened I immediately disputed the transactions as  Fraudulent  on   XXXX   XXXX  . Based on the disclosures and notices on EPPICARD i was to have been notified within  10 busi ness days if an error had occurred. I called EPPICARD on   XXXX   XXXX   to question what was going on with the investigation and was told I needed to mail a incident report that they had not yet sent me, SO I create d one, includ ed the police report etc and faxed and mailed a copy to EPPICARD and still today  18 business days after I reported the Fraud,28 B usiness days after I reported the card stolen I have still not heard anything from EPPICARD  XXXX  nor have they contacted the  officer in my case and they are still holding my money hostage ... and to add insult to the injury when I called again this am to follow up, was told they co uld hold my money " while they investigate '' for up to 90 days ... ...??!!!!??!!! Not only did their system not see that the transactions in question were completely out of character with how I use this child support card and not flag it and turn it off like ALL my other cards did but they have made no attempt in all this time to contact me nor assist me with resolving this situation. This EPPICARD prepaid  MC ser ves states who issue child support to mothers across the country who need their child support to live and feed their children and this is absolutely unacceptable handling issues that these special cardholders have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: MD

Complaint narrative:
We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
I have been contacted by  XXXX   XXXX  regarding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I took out a mortgage loan with the promise of having a low monthly payment and low interest rate as advertised. However, the monthly payment and apr were not the amount as promised but the contrary, they were monthly payments that I was not able to afford. The bank started a foreclosure action against my property in   XXXX    . I tried to do a loan modification in several occasions but the bank denied me without an in-depth explanation. I was a victim of the subprime mortgage crisis ; I am  XXXX   XXXX   XXXX  woman who wants to pay her mortgage.

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 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC
State: IA

Complaint narrative:
On  X/XX/2017    a recording called my working stating that if this was not ' XXXX   XXXX  to please hang up the phone, as this was in regards to a civil matter on a recorded line regarding case #. '' They company name was   XXXX  or Chaplin    Collection   services ... They have called my work numerous times in attempt to collect on a fraudulent payday loan from  XXXX  fund, which  1. I h ave paid in full numerous times, and  2.   XXXX   XXXX  was in a lawsuit for fraud. I would like them to stop calling and harassing me at work, or to provide actual proof of the claim. Instead they are using aggressive techniques to collect on a debt that i do not owe. called from  XXXX  and said to return call there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Santander Bank had a promotion for a {$150.00} bonus with opening a checking account. To qualify for the bonus, some terms must be met which included a direct deposit of {$500.00} or more within 90 days of account opening and keeping the account open for 90 days. Santander 's te rms and conditions of the offer state that the offer is not available to current or former customers who OPENED a checking account between  XXXX  2016  and  XXXX / XXXX / 2016 .     I have met all the conditions above listed and advertised in  Santander 's promotion. I met the direct deposit requirement soon after account opening and did not have an account or opened one with Santander betw een  XXXX / XXXX / 2016  and  XXXX / XXXX / 2016 . I have very clearly met the terms outlined in their qualification s. Santander refuses to deposit the {$150.00} for unknown reasons, and attempts to reach out to Santander ha ve been unsuccessful in achieving a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
I have contacted this company on numerous occassions trying to inform that this account is not mines. I have never had an  XXXX   XXXX  account and to be quite frank I have never even shopped in their stores because they do n't make clothes for my size or style. I contacted them by phone but to no avail the reps were rude as  XXXX . I sent multiple letters asking that they provide me with a contract with my signature and the terms and conditions regarding this account. They pretty much refuse ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Supposedly I received a loan from  XXXX  that went to a bank account that my husband, who was an   XXXX   military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a   XXXX   XXXX   open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day  1 the  loan payments came back as NSF but that account had already been closed.   I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with  XXXX  just to get these debt  collectors  off my credit report but somehow they responded. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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 belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
Re : two addre sses in Louisiana not mine.     Though a  XXXX   XXXX  (  XXXX   ) a t  XXXX   Fraud Management Dept inf ormed me in   XXXX   XXXX   that I am not responsible for a fraudulent purchase at a  XXXX  store in Louisiana,  two Louis iana addresses are now on my consumer credit files. I have never lived nor worked in Louisiana. I have been an Illinois resident since   XXXX  .     Both Louisiana addresses should be deleted from my consumer credit files. They are :  XXXX   XXXX   XXXX ,  XXXX   XXXX , LA  XXXX   XXXX   XXXX   XXXX ,  XXXX , LA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC
State: MS

Complaint narrative:
I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.

Company response to consumer: Closed with explanation