vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northwood Asset Management Group
State: FL

Complaint narrative:
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: TX

Complaint narrative:
On XX/XX/2018 i have settled two account s with XXXX XXXX a collection company for XXXX   XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX  and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted Equifax today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I received a call from this company and asked for a detailed billing statement a statement as I dispute the debt owed. This was for a auto insurance policy that was prepaid so any payments were for the month ahead in advance. The policy was cancelled by me as I switched policies and the insurance company attempted to collect for the month I had switched to a new company already. The last month was prepaid in advance of switching. 
I wrote his collection company disputing the debt and asking for validation and proof of detailed billing and all payments They just sent the final bill from XXXX not proving I owed the bill or that it was a valid debts and while I was in dispute billing resolution with XXXX. The collection agency threatened to put it on my credit and did. 

Until I get validation I want this removed from my credit. I have proof I do not owe this to XXXX   and have sent them proof. Any dither collection activity should cease and disist as well as any attempts to call me or contact me unless it's to send the proof I asked for. If the debt is not removed from my creditors until it can be proven to be valid I will follow penalties pursuant to the fair debt collection violations. The company has not sent any validation as requested andt the debt in question is disputed and not owed. If XXXX comes back and can prove I owethis amount I will pay them the amount. I do not do business with collection agencies that do not follow fair debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: NY

Complaint narrative:
Nationwide Recovery Systems did not properly disclose their identity. They did not properly disclose Consumer Rights, not properly disclosing to family members of their consumer rights, leaving a message on a shared voicemail for a family member.

NRS did not provide my details in writing of the debt. NRS has not contacted or sent notice to my address. They did not disclose their identity properly as well.

I have the voicemail NRS left for a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
The Discover Credit card does not want to hear and consider that facts that I am showing about the fraud on my credit card.

As I explained to the representatives at the Discover that i was away for work my card was charged at several locations in a different state. There was also a charge from XXXX   store and i was told by Discover that it delivered to my address.

1. I did not make the purchase/order from XXXX, which from what i was told was for 10 XXXX or so.

2. I did not give Discover permission to charge the card ( i was told by Discover that someone allowed the purchase to go through. ) 3. Discover card does not want to acknowledge the fact that i was away from New York in XXXX   when the orders and the charges were made. I am sure it is possible to track where the order was made and how and by who.

4. THE MOST IMPORTANT. The only fact that the Discover Credit card relies on and does not want to hear me, is that the delivery was made to my address and it was signed for it with my first name.

I however several times tried to prove that i did not receive the delivery and i did not sign for it. The fact that the investigators, discover card and XXXX XXXX. can not find the suspect does not make me responsible for the charges.

I am sending proof of three official government issued Identification cards and each of them has my signature on them that do not match the signature that was signed for the delivery.

If discover claims that it was delivered to my address and signed, it could have been received by anyone, outside, in the lobby ( because i live in an apartment building ) in the hallway.

So it is up to investigators and Discover to find who made the purchase and who received it. Also for the XXXX company who delivered the package. If the package was for an amount over 10000 dollars they of XXXX products they should have checked who they were delivering the package to, by at least checking the ID.

Once again please hear and read my information and do not only rely of things that favor you Discover Card and make conclusion without ALL the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In XX/XX/2018 I applied for a Chase XXXX XXXX credit card having a XXXX point signup bonus if I charged {$1000.00} on the card in 3 months. 

The Chase XXXX offer stated : " Bonus Awards. The product is not available to either I ) current cardmembers of any XXXX Rapid Rewards credit card or ii ) previous cardmembers of any XXXX Rapid Rewards who received a new cardmember bonus within the past 24 months. '' I received a new cardmember bonus about 36 months ago so the product should have been available to me. 
My credit score is XXXX ( very good ), I pay all my bills on time, and I do not owe money so I am financially qualified.

I was not approved because Chase said I had too many credit cards opened in the last 2 years. ( See attachment letter from Chase ) This additional requirement was not stated in the offer. The offer was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: OH

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I sent in a request to XXXX asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. XXXX is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

XXXX XXXX what bankruptcy XXXX XXXX XXXX what bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was denied opening a bank account due Bank of America reporting a negative information on XXXX XXXX XXXX XXXX. This is harming my ability to obtain a bank 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 2018-05-04 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: TX

Complaint narrative:
On XX/XX/2018 i have settled two account s with XXXX XXXX  a collection company for XXXX XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted XXXX   today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,

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 2018-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2018 i have settled two account s with XXXX XXXX  a collection company for XXXX XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted XXXX   today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This is an unverified amount charged to my credit report of XXXX this amount is unverified and I am not aware of this belonging to me under the fair credit reporting act section 609 this amount has to be validated with a original signature I am asking this debt to be removed from my credit profile Thank you Sincerely XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/2015 this debt for {$800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: IL

Complaint narrative:
I have sent several request to have fradugelent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Capio Partners , LLC violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and other state statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BlueChip Financial
State: FL

Complaint narrative:
Called my office attempting to collect something for XXXX which I assumed they purchased tried to force me to verify my social and dob which I will not give over phone continue to contact me at office which I said I could not be contacted there regardless now they continue to call with automated dialer From XXXX area code. Harassment for something Im not even sure belongs to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/18 I tried to cash a payroll check drawn from Bank of America at Bank of America. When I went into a Bank of America branch in XXXX, KS and I was told that a {$8.00} fee will be applied since I am not a banking customer. I should not be charged a fee to cash a check at the bank from where it was issued. This means that if I do not have a financial institution I am unable to cash the check for the amount it was written for. This is an unfair practice and a cost that should not be passed on in this manner. The check was written for {$830.00} and was essentially charged a 1 % fee to cash it.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a card with American express, and they emailed about a XXXX   interest pay overtime until XX/XX/XXXXof this year XX/XX/XXXX.

We got a limit of {$35000.00} for this pay over time.

So i had a bill with one of our suppliers for {$29000.00} that we needed to pay, so we thought to use this promotional offer, But since this is a larger amount of our regular cash flow, we reached out to american express customer service to confirm that this charge is eligible for this 'Pay over time ' promotion, and they gave us the OK, and we charged that amount.

Shockingly we saw our statement with a minimum payment due of {$29000.00}, with a due date of XX/XX/XXXX, and a penalty APR of 29.99 % if its not paid.

I called spoke to a supervisor name XXXX from XXXX  AZ branch, and was promised if i pay {$6000.00} she will move this large charge into Pay over time.

We paid the {$6000.00} in full on XX/XX/XXXX and today isXX/XX/XXXX and they still didnt fix this, and i scared of this bill how this will end up on our company.

I believe this was all a dirty trick they used to push us into the 29.99 % APR. and they should stop doing this and give us compensation for our painful time that we are so anxious about this.

Company response to consumer: Closed with non-monetary relief