vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used XXXX for transportation on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX pulled funds out of my Bank Of America Checking account. This is NOT an account I associated with XXXX payments. The only payment listed in my XXXX account is XXXX. I may have had my banking information listed in the past, but it has changed as of 2 years ago. I do not know how XXXX got a hold of my bank information as I already " erased '' it from their system. It is very troubling. I called XXXX. They have no documentation of payment request from XXXX on those dates. I called Bank Of America. I was told XXXX pulled the funds out and to call them directly. I don't understand why an unauthorized transaction would go through? XXXX DOES NOT have a customer service phone number or email readily available to contact them. Please refer to a copy of my bank statement for reference.

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 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ... 

I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... 

Received treatment on XX/XX/2017 and paid {$220.00}. 

I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. 

Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. 

Then I started to receive bills for {$150.00}. 

Now, they have submitted 5his information to a collection company called Amcol. 

This information is now showing on my credit report. 

Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. 

I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. 

The person on the phone had a very thick accent from XXXX. 

The number appearing on the caller ID is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
I owed a XXXX credit card debt back in XXXX for which a judgement was obtained against me. The judgement was never Renewed within the 10 years allowed which means it is no longer valid. However, the agency ( kirschenbaum, Phillips and XXXX in XXXX, Ny ) garnished XXXX from my bank account. I called them to court, XXXX, NY, and the judge ruled in my favor. She vacated the judgement on XX/XX/XXXX and demanded my money be returned. The agency has been uncooperative since that time and will not release my money to me. I do not believe this agency has 1 lawyer working with them as theyve had several complaints against them on line. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2018 American Express called my employer to speak to me about a debt. I asked them not to call my employer and they keep contacting me there. 
My co-worker informed me of a call at XXXX from a foreign speaking individual whom asked for me. Turn out it was the XXXX number from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IN

Complaint narrative:
I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I didn't Authorized ( Authorization ) too view or pull credit report ( Identity Theft Victim / XXXX Data Breach )  .... 


XXXX details : XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 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 2018-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I deposited a check at a Bank of America ATM. The deposit was taken but I was not made aware until after it was complete there would be a 7 business day hold placed. I have talked with several representatives, all but one stated that was common practice at their ATMs for check deposits. I was told by the first representative that later that next day I could request {$200.00} of the funds to be released and the could after they could view the check. I waited 3 days to make sure it was viewable and was told there was no way to get any of the funds released. If this is common practice customers should be notified. If the hold can be printed on my receipt I should be allowed to cancel the deposit and handle the transaction a different way. I asked is I could bring proof from my dad 's bank that the check cleared for the funds to be released, they would not allow that. I have since making the deposit incurred NSF fees on my account as a result of the funds being held.

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 2018-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Received a letter from Hunter Warfield dated XX/XX/18, addressed to my work place not my home, confirming that they had received my claim of fraudulent ( which I was not aware that I had filed ). They requested that I provide them with certain information, cop of ID or valid driver 's license etc ). I called them and went through several departments. finally got connected with a support Dept. and the person wanted more information again, which I did not provided. I questioned the fact that the letter was sent to my place of business/work and all of a sudden got disconnected. I am afraid this company is fishing for information and uses fear tactics to get information. I don't know whether they are using it for ID theft or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Westwood Legal
State: MD

Complaint narrative:
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: OH

Complaint narrative:
They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.

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 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts sent a collection notice to me on behalf of XXXX XXXX XXXX which was a previous disputed claim - the dental company was negligent and didn't send it to my insurance until after the filing deadline had expired. I paid it anyway on XX/XX/18 in the amount of {$790.00}. I called and talked to them and they said it would be posted and cleared from my credit report in 30-90 days. Now they have posted the collection again ( twice ) on my credit report as {$790.00}. This is a predatory practice. I have the bill showing the collection amount of {$790.00} and a copy of my ACH transaction showing I paid it on XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't authorize ( authorization ) too view or pull credit ( Identity Theft Victim - Equifax Data Breach ) ... 

Inquiry details XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 Complete Dept. XXXX XXXX XXXX, XXXX XXXX   XXXX from XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not able to have a freeze on my credit report permanently removed. I am in the process of applying for a new mortgage and need to allow prop spectate lender to have access to my credit report. The transunion employees I have gotten are very hard to understand and I am hard of hearing. I may have answered a question regarding my credit report but sometimes the questions were a little confusing or I was not able to understand them. I need to have the freeze on my credit report removed, immediately.

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 2018-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called XXXX threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: OH

Complaint narrative:
They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.

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 2018-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2018 I made a {$1000.00} payment for future delivery of a custom made rear bumper with XXXX by ACH with Wells Fargo via account # XXXX. I paid the additional balance of {$2200.00} on XX/XX/2018 per their request. They estimated 8-12 weeks for completion from the original order date. After repeated delays and a lack of communication they ultimately stated that they didn't know when they would have they product completed. At that point I began asking for a refund and they are now unreachable via phone or e-mail. I filled for a refund with Wells Fargo and they denied the claim saying that I should take it up with the vendor ( XXXX ). As I stated they are unresponsive so I have no recourse with them. XXXX has violated the terms of our agreement by failing to deliver the product.

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